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Open Enrollment is November 1 - 19, 2021.
January 1
After you enroll, confirmation statements will be mailed to your home in December. The statement will include instructions and a deadline for any corrections.
If you are a benefits-eligible employee, you can cover eligible dependents. Eligible dependents include your spouse and children, as long as they meet the plan’s definition. Click here to download a PDF explaining who is eligible and what documentation you need to provide to enroll them.
Whenever you enroll a dependent for the first time (or re-enroll a dependent after coverage is dropped), you’ll be required to provide documentation for that dependent within your enrollment period. Click here to download a PDF explaining who is eligible and what documentation you need to provide. CMC has the right to review eligibility at any time. If you enroll an ineligible dependent, you could face disciplinary action.
There are three ways to enroll:
1. Contact Employee Services at 877.262.8050.
2. Go to the CMC GlobalNet homepage. Click on “Benefits”. For password resets, contact the IT Helpdesk at 1-888-823-1212.
3. Go to cmcbenefits.bswift.com and log in using your employee ID number.
Your current elections will carry over to the following year, except for your Flexible Spending Account contributions. Per IRS rules, if you wish to enroll in an FSA you must re-enroll every year. If you do not elect or enroll in CMC benefits in, you will ONLY be enrolled in benefits paid 100% by CMC.
The EAP is a free resource to help with things like stress, anxiety, will prep, legal issues and advise, relationship support, locating childcare/eldercare and more!
EAP benefits are available at no cost to CMC employees and their dependents.
Yes, individuals receive up to 5 free confidential EAP sessions per issue each year with an accredited counselor.
Call LifeWorks 24/7/365 at 866.695.6327.
Log in to login.lifeworks.com Username: cmc Password: myeap
Download the LifeWorks mobile app available for iOS and Android users.
CMC offers one medical plan, the BCBS PPO.
The plan features low copays to encourage you to seek care when you need it:
The plan deductible is $800 for individual coverage and $2,400 for family coverage. The out-of-pocket maximum is $8,700 for individual coverage and $17,400 for family coverage.
Read your 2022 Benefits Guide for more information.
The BCBS employee premium structure will include a minimum or maximum contribution or a percentage of annual base pay.
• The minimum contribution structure will apply to employees whose annual base pay is less than $65,000.
• The maximum contribution structure will apply to employees whose annual base pay is $145,000 and over.
• The percentage of pay structure will apply to all employees whose annual base pay is between $65,000 and under $145,000.
Go to the benefit website cmcbenefits.bswift.com to see your rate.
Note:
• Current employees – Your premiums are based off of your annual base pay as of September 1.
• New hires – Your premiums are based off of your hire date if you were hired after September 1.
Blue Cross Blue Shield (BCBS) administers the BCBS PPO. BCBS offers a nationwide network of providers. To find a doctor in the BCBS network, visit bcbstx.com and click on “Find a Doctor or Hospital".
ID cards will be issued to all members enrolled in 2022. So, be sure that your home address on file is correct, and then watch your mailbox in late December/early January for your ID card from BCBS. For a replacement card, call BCBS at 1-877-262-7977.
When you enroll, you will need to indicate if you (and your spouse, if applicable) are a tobacco user or non-tobacco user by checking the appropriate box for you and your spouse. If you use tobacco, you pay a $75 per month/per person surcharge.
Remember, while CMC uses the honor system for certification, misrepresenting your tobacco status can lead to disciplinary action.
See "What is the surcharge?" in the Wellness FAQs.
No, copays do not apply to the deductible.
Yes, copays do apply to the out-of-pocket maximum.
The out-of-pocket maximum is the most you will pay out of your own pocket for covered expenses in a year. Once you reach the out-of-pocket maximum, the medical plan pays for all covered services for the rest of the year. The out-of-pocket maximum does not include premiums or services the plan does not cover.
The family deductible can be met by three OR a combination of covered family members. When only two members are covered (Employee + Child coverage or Employee + Spouse coverage) benefits will be paid on an individual level. Once the individual deductible has been satisfied, co-insurance applies.
The family OOP max can be met by three OR a combination of covered family members. The deductible and co-pays and/or co-insurance applies to the OOP max. When only two members are covered (Employee + Child coverage or Employee + Spouse coverage) benefits will be paid on an individual level. Once the individual OOP max has been met, claims will be paid at 100%.
Use MDLIVE for non-emergency medical and mental health issues such as allergies, asthma, depression, cold/flu, grief and loss, parenting issues, pink eye, rash, sinus infections, stress/anxiety, substance abuse, relationship issues and more!
For participants and dependents covered by the BCBS plan, your visit is FREE. If you receive a prescription, the regular copay applies. NOTE: If you schedule a visit online, be sure to use MDLIVE.com/bcbstx to ensure your visit is covered by CMC’s plan (if you use the main MDLIVE.com URL without “/bcbstx”, you may be charged a copay).
Yes, everyone in your family, regardless of age, will need to register with MDLIVE.
NOTE: For HIPAA purposes, any dependents age 18 and under will need a parent or legal guardian with them during an MDLIVE consultation.
Call MDLIVE Health Services at 888-680-8646.
Individuals between 0 and 17 years old must have a parent or legal guardian present during the virtual visit. If your child is 18 or older and has their own MDLIVE account, you cannot access their account unless your child authorizes you to do so.
Yes, MDLIVE can be accessed on most mobile devices with an Internet connection. The MDLIVE Mobile App is available for download in the iTunes Store and the Google Play Store.
System requirements for MDLIVE videoconferencing are:
• Windows®7, Vista, or XP
• A Mac running OSX 10.6 (Snow Leopard) or superior
• Highspeed internet connection
• A webcam with at least 1.3 megapixels
• Microphone (most webcams already have microphone built in)
Keep in mind, Telehealth requirements vary by state. You can talk to a doctor by phone or you can use a computer or smartphone for video conferencing.
NOTE: If you access MDLIVE.com/bcbstx while using a CMC device, your location will be determined by CMC servers and may be incorrect. Be sure to confirm your current location when prompted upon logging in to MDLIVE.
Once you're registered, you can schedule a visit via:Computer at http://MDLIVE.com/bcbstxMDLIVE.com/bcbstx The MDLIVE app on your smartphoneBy calling MDLIVE at 888-680-8646Logging in through Blue Access for Members (BAM). To schedule a visit, you will need to: Confirm your location and the type of doctor you want to visit. Then, choose a doctor and an appointment time.Provide a short explanation of the reason for your visit and fill out a brief medical history, if you haven’t already. (Depending on the reason for your visit, you may need to take and upload a photo for the doctor prior to your visit for rashes, skin infections, pink eye, etc.)Choose a pharmacy (make sure it’s in-network!) close to your current location in the event you need a prescription. Confirm the appointment.NOTE: If you access http://MDLIVE.com/bcbstxMDLIVE.com/bcbstx while using a CMC device, your location will be determined by CMC servers and may be incorrect. Be sure to confirm your current location when prompted upon logging in to MDLIVE.
Behavioral Health can be scheduled 24/7, but consultations are conducted by appointment only. Average availability for all Behavioral Health provider types is less than one week. This scheduling is done in the same format as requesting or scheduling a medical visit. Behavioral Health visits must be conducted by video consult through computer, smart phone, or tablet.
The average wait time is less than 18 minutes. If you have not received a call within 60 minutes, call MDLIVE at 888-680-8646.
Yes. If you’re out of state, you’ll be treated by a physician who is licensed in the state where you’re located at that time. NOTE: MDLIVE is not available outside of the U.S.
Yes, you can access MDLIVE in English and Spanish. Once you’ve logged in to the patient portal, you can switch languages in the top right corner by your name.
No. Your prescription drug coverage is part of your medical plan and coverage is offered by BCBS. When you enroll for medical coverage, you will also be enrolled for prescription drug coverage.
No. Your medical plan ID card also works as your prescription drug ID card.
The medical plan covers certain preventive medications you take on an ongoing basis at 100%. When filling other prescriptions, you will pay a flat copay. The exception is for specialty drugs, for which you pay 20% of the cost to a maximum of $250 per prescription.
Please see the 2022 Benefits Guide for more information.
Yes, generic drugs cost less! However, if you choose to purchase a brand-name drug instead of a generic alternative when one is available, you will be responsible for the difference in cost between the brand-name and the generic, in addition to the brand name copay (or coinsurance for specialty drugs).
Pharmacies will generally give you a generic drug, unless your doctor has asked for a specific brand-name drug. If your doctor has prescribed a brand-name drug (either preferred or non-preferred) when a generic is available, you will pay the difference in cost between the brand-name and generic drug.
To help you save money on prescription costs, ask your doctor if there is a generic alternative that would work for you. If a generic equivalent exists, but you are prescribed a brand-name drug (either preferred or non-preferred), you will have to pay the difference in cost between the brand-name drug and the generic drug. If your doctor writes “DAW” or “Dispense as written” on your prescription, then you will only have to pay the copay and will not have to pay the difference in cost between the brand name and generic drug.
Check the drug lists to determine if your medication is classified as a preventive drug or a preferred drug. Visit bcbstx.com or call 1-877-262-7977.
CRx International is a mail order program that offers select brand name medications for FREE.
If your medication is one that’s covered by CRx International, you’ll pay nothing for the prescription, and shipping is free too!
Click here to see the list of eligible medications.
Livongo offers FREE chronic condition management for pre-diabetes, diabetes, hypertension and heart disease. It provides free supplies such as lancets/strips, glucose meters, and blood pressure cuffs, as well as free 1-on-1 coaching for things like healthy habits, medication/pharmacy, progress/results.
All employees and their dependents enrolled in the BCBS medical plan.
Yes, Livongo will contact you directly if you qualify for the program.
Free supplies (test strips, lancets, blood glucose meter, blood pressure monitor cuff) and coaching & support (personalized coaches provide live, one-on-one support to help you on your way to better health).
You will have two options, the Premium Plan and the Basic Plan. The dental options have been improved to pay more when you need dental care.
Read your 2022 Benefits Guide for more information.
The plan uses the Delta Dental provider network, and you can find a network doctor online at deltadentalins.com; just use the tool in the “Find A Dentist” section or call 1-800-521-2651.
The Premium and Basic Plans both cover in-network preventive care at 100% with no deductible and major services at 50% after deductible. They cover basic restorative care at different levels. Only the Premium Plan covers orthodontia. Please see the 2022 Benefits Guide for more information.
No. You will not receive a Dental ID card for dental coverage from Delta Dental. When you go to the dentist to receive services, they will ask you questions to verify coverage. The group number is 5838.
You will have two options, the Premium Plan and the Basic Plan.
The plan uses the VSP provider network, and you can find a network doctor online at vsp.com; just select “Find A Doctor” or call 1-800-877-7195.
The Premium Plan has lower copays, but the Basic Plan has lower payroll deductions. The Premium Plan covers a variety of lens options, while the Basic Plan does not. Please see the 2022 Benefits Guide for more information.
No. You will not receive a Vision ID card for vision coverage from VSP. When you go to the eye doctor to receive services, they will ask you some questions to verify coverage. The group number is 12247388.
Lincoln Financial is the carrier for Life and AD&D Insurance. The group number is 09-466376.
Yes. CMC provides coverage at no cost to you in the amount of two times your annual base pay for both Basic Life and AD&D.
No. Neither Basic Life nor Basic AD&D coverage is available for your eligible dependents. However, you may cover them under the Optional Life and Optional AD&D Plans.
Basic Life gives your beneficiaries financial protection if you should die. Basic AD&D may provide financial protection if you die or are seriously disabled in an accident.
Yes, you may purchase additional life insurance and AD&D coverage for yourself, your spouse and your child(ren). Certain maximums apply.
Read your 2022 Benefits Guide for more information.
See the 2022 Benefits Guide for Optional Life and AD&D rates.
You will be asked to name your beneficiaries when you enroll for benefits. You are automatically named the beneficiary of your dependents’ life insurance coverage. Be sure to update your beneficiaries when necessary. You can update your beneficiaries at any time through the Benefits website at cmcbenefits.bswift.com or contact Employee Services at 877.262.8050 for assistance.
CMC provides company-paid Short Term Disability (STD) and Long Term Disability (LTD) coverage at no cost to you.
Short Term Disability provides income replacement if you miss seven or more consecutive days of work due to an approved illness, injury or pregnancy. Weekly benefits start after seven days of absence and may continue for up to 26 weeks.
See the 2022 Benefits Guide for the schedule of benefits paid under the coverage.
Benefits are paid if you can’t work due to an approved illness or injury. Monthly benefits start after the later of 180 days or when STD coverage ends.
See the 2022 Benefits Guide for the schedule of benefits paid under the coverage.
CMC offers two different FSAs – the Health Care FSA and the Dependent Care FSA. The Health Care FSA is used to reimburse you for eligible medical, dental, vision and prescription drug expenses for yourself, your spouse and your dependent child(ren).
The Dependent Day Care FSA is used to reimburse you for eligible out-of-pocket child or adult dependent day care expenses. Note that dependent medical expenses ARE NOT eligible for reimbursement.
If you wish to participate in an FSA, you'll enroll during your open enrollment period. Per IRS rules, you must elect an FSA contribution amount each year you participate.
You can contribute:
Contributions are deposited into your account with each paycheck. For the Health Care FSA, you will receive a debit card you can use to pay for services, or you can file a claim. For the Dependent Care FSA, you file a claim to be reimbursed. For more information on filing claims, go to https://healthequity.com/ (select WageWorks if prompted).
You can carry over all of your unused 2021 Health Care and Dependent Care FSA dollars into 2022. Note: Carryover amounts do not count towards the 2022 annual contribution limits.
For the Health Care FSA, you can use up to your full election on Jan. 1.
For the Dependent Care FSA, you can use only the amount that is currently in your account. If there is not enough money in your account, you will have to pay for the service out of pocket.
All benefits-eligible employees may elect the FSA, regardless of whether they enroll for medical coverage with CMC or waive coverage.
All benefits-eligible employees may elect the FSA, regardless of whether they enroll for medical coverage with CMC or waive coverage.
Yes. You can use your FSA funds to pay for eligible expenses for anyone you claim as a dependent on your taxes. Your dependent does not need to be enrolled in a CMC health care plan. For more information about how FSAs work, go to https://www.irs.gov/pub/irs-pdf/p969.pdf.
You can carry over all of your unused 2021 Health Care and Dependent Care FSA dollars into 2022.
Yes, the carryover applies to both Health Care and Dependent Care FSAs.
No, you can carry over all of your unused 2021 Health Care and Dependent Care FSA dollars into 2022 in addition to contributing up to the 2022 IRS limit. For example, if you carry over $300, you can still contribute up to $2,750 in 2022.
No, you aren’t required to make a Health Care or Dependent Care FSA election in 2022 in order for the dollars to carry over.
The Lifestyle Benefit promotes CMC's Total Wellness philosophy by providing a reimbursement of up to $500 annually for approved wellness-related expenses. Click here for a list of eligible expenses.
All BCBS eligible employees are eligible for this benefit, regardless of enrollment status.
Things like fitness/nutritional memberships/classes, student loan reimbursement, fishing/hunting license, and pet care are considered eligible expenses. Log in to your account at www.HealthEquity.com/ (select WageWorks if prompted) for a complete list.
You can file a claim online, via fax or mail.
Online: Log in to your Participant account at www.HealthEquity.com (select WageWorks if prompted) and file a claim.
Fax/Mail: Print and sign a paper claim form and return to WageWorks with all legible receipts for processing either by fax (877-353-9236) or by mail to WageWorks, P.O. Box 14053, Lexington, KY 40512.
Reimbursements are received via CMC payroll. Once claims are processed and approved, reimbursement payments will be processed in the next 1-2 available payroll cycles.
Yes.
Yes, the account can be used to pay for eligible expenses for you or your eligible dependents.
Voluntary benefits, like Critical Illness, Accident Insurance and Hospital Indemnity, supplement your medical insurance by helping you pay your out-of-pocket expenses if you suffer a serious illness or accident, or are admitted to the hospital. These voluntary benefits do not replace your medical plan.
We want to encourage employees to seek medical care when they need it. Voluntary benefits help pay for out-of-pocket expenses for certain illnesses and accidents, helping to remove another barrier to seeking care.
You elect coverage during your enrollment period, and your premiums are deducted from your paycheck, just like for your other health insurance benefits. If you experience a covered illness, injury or hospital admission during the year, you file a claim. Payment is made directly to you to spend on whatever you need (e.g., hospital bills, groceries, household bills).
Yes. You may purchase optional coverage for your spouse and dependent children.
See the 2022 Benefits Guide for more information.
The plan pays benefits for heart attack, stroke, kidney failure, coronary artery bypass, cancer and several others. No medical questions or tests are required for coverage.
See the 2022 Benefits Guide for more information. You may also access the Summary of Benefits Coverage (SBC) from the Document Library or call Voya at 877-236-7564 with any questions.
The plan pays benefits for common injuries like fractures and dislocations, burns, lacerations and concussions. It also pays benefits when you are treated in the emergency room or hospital, take an ambulance, undergo surgery or get physical therapy.
See the 2022 Benefits Guide for more information. You may also access the Summary of Benefits Coverage (SBC) from the Document Library or call Voya at 877-236-7564 with any questions.
The plan pays benefits based on the number of days spent in a hospital, critical care unit or rehabilitation facility. It also pays benefits for outpatient and inpatient surgery, and emergency room and rehabilitation services.
See the 2022 Benefits Guide for more information. You may also access the Summary of Benefits Coverage (SBC) from the Document Library or call Voya at 877-236-7564 with any questions.
The policy number is 0070288-9.
You can file a claim in a variety of ways:
Phone: Wellness claims can be filed over the phone by calling 1-888-238-4840. In order to file over the phone, you will need the following information:
Online: 24/7 at https://claimscenter.voya.com/static/claimscenter/
Reimbursement generally takes 7-14 days from the time you submit the claim online or by fax. Please allow additional time for reimbursement if claims are mailed. Reimbursement may take longer if information is missing from your submission.
You can submit an annual physical exam, biometric screening, age-appropriate services such as mammogram, colonoscopy, well woman exam, etc., hearing screening, vision screening and dental cleaning.
All full-time CMC employees are eligible to participate on the first of the month following the first 30 days of your employment. Part-time employees are also eligible the first of the month after 1,000 hours of work.
You are eligible to start participating on the first of the month after 30 days of employment.
Unless you elect to not contribute to the Retirement Plan, 6% of your pay will be automatically deducted from each paycheck on a pre-tax basis and contributed to your account. These automatic deductions will begin 31 days after you are eligible to participate in the plan. If you are automatically enrolled in the Plan, your pre-tax contribution rate will increase by 1% every September 1 until your deferral percentage reaches 8%. You may elect to increase, decrease or stop your deferrals at any time on www.MillimanBenefits.com.
There are two types of contributions you can make to the plan – pre-tax (traditional 401(k) contributions) or Roth after-tax. Additional information about Roth after-tax contributions can be found later in these FAQs.
You may save from 1% to 50% of your pay (up to IRS limits).
Yes, you may change your contribution amount at any time on MillimanBenefits.com.
CMC will match your contributions $1 for every $1 you save, up to 3%. Plus, 50¢ for every $1 you save on the next 3% of your pay. That equals a total match of 4.5% of your pay if you contribute 6%.
Yes, the Company match and any earnings on the match are all considered pre-tax income. The distribution is taxable the year in which you receive a taxable distribution.
Yes, earnings on pre-tax contributions are considered taxable income. The earnings are treated as normal income when you receive a taxable distribution.
Vesting is the accrual of ownership in the Company match and any discretionary contributions CMC makes to your account (Supplemental Contributions). You are always 100% vested in the value of your own contributions, and you are 100% vested in the Company match and Supplemental Contributions after 2 years of service.
In addition to the Company match, each year CMC may elect to make a discretionary Supplemental Contribution to the plan. The Supplemental Contribution amount, if any, will be determined and authorized by the Board of Directors of Commercial Metals Companies each Plan Year.
Your portion of any Supplemental Contribution will be based on your basic compensation. You must have been employed on the last day of the Plan Year (8/31) to be eligible to receive the Supplemental Contribution.
There are two options available to you, which represent a wide variety of investment options:
If you’re automatically enrolled in the Retirement Plan, your account will be invested in the Vanguard Target Retirement Fund that most closely aligns with your normal retirement date (defined in the Plan as age 65).
Yes, you may change your investment elections at any time by logging into your account on MillimanBenefits.com.
You may elect a beneficiary on MillimanBenefits.com. Click on “Beneficiaries,” and provide the required information (Social Security number and date of birth) for those you designate.
To complete a rollover to your CMC account, log in to MillimanBenefits.com and choose "Review or make contribution changes" and then choose "Looking to roll over an account into this plan? Get Started here". For additional information, you can call the Milliman Benefits Service Center at 1-866-767-1212.
You can access your account at any time at MillimanBenefits.com. The first time you log on, your:
Milliman Benefits Service Center representatives are available Monday - Friday from 7 a.m. to 7 p.m. Central Time through web chat on MillimanBenefits.com or by calling 1-866-767-1212.
The main difference in the two contribution types boils down to when you pay taxes. Pre-tax contributions are deducted from your pay before income taxes are withheld. Roth after-tax contributions are deducted from your pay after income taxes are withheld. When it’s time to withdraw money from your Roth after-tax account, the earnings will be distributed tax-free if withdrawn as part of a qualified distribution.
To receive a qualified distribution from your Roth after-tax account in the Retirement Plan, you must:
You may withdraw Roth after-tax contributions at age 59½ (a separate election is required) or upon termination of employment. Roth after-tax contributions would also be available for hardship withdrawals (regulated by IRS rules) and loans but they would be accessed after you’ve tapped out all other available funds in the plan.
Yes, the Roth after-tax account requires minimum distributions after age 70½ (or retirement if later). A Roth IRA does not require minimum distributions until after the death of the owner.
Yes, you may contribute to your account in both ways, including catch-up contributions if you are age 50 or above by year-end. The total amount of your contributions may not exceed the plan’s limit of up to 50% of pay, subject to the maximum annual IRS contribution limits. Your combined pre-tax and Roth after-tax contributions are considered for the Company match.
The match is based on your total contributions. You will receive the full match of 4.5% if you contribute at least 6% of your eligible compensation. This can be made up of any combination of pre-tax and Roth after-tax contributions. In this example, since the total contribution for both your accounts is 8%, you would receive the full 4.5% match.
Neither. The match will be deposited into a separate “match” account and is considered pre-tax money for taxation purposes.
Yes, investment elections for all contribution types within the plan are the same.
No, amounts from an individual Roth IRA are not eligible to be rolled into the CMC Retirement Plan. However, Roth after-tax contributions made to a previous employer’s qualified 401(k) plan may be eligible to be rolled into the CMC Retirement Plan. If rolled over, the original date the Roth contributions began will be recognized by the CMC Retirement Plan.
Yes, you may convert vested pre-tax balances in your CMC account to Roth after-tax money through an In-Plan Roth Conversion.
Yes. When you request an In-Plan Roth Conversion, your pre-tax balances will be re-classified in the plan as Roth after-tax balances. No money will be withheld for taxes or
distributed to you. However, you will be required to pay taxes. The conversion will be reported to the IRS as taxable income on Form 1099-R. You’ll need to identify income sources other than the CMC Retirement Plan to pay associated taxes. A loan or distribution from the plan cannot be used to cover the taxes unless you meet the plan’s normal conditions to do so.
The deadline to receive standard rates for the following year is December 31.
No. If you are newly enrolled in the BCBS medical plan on or after January 1, you are not required to complete an annual physical in that year. You will automatically pay the standard rates in the following year.
Annual physicals provide a more complete picture of your health, and you are more likely to follow up on any health concerns or conditions while at your doctor’s office. In addition, getting an annual physical each year helps you establish a long-term relationship with your doctor.
If you do not complete an annual physical by December 31, you will pay a $50 surcharge per month in the following year. This is also true for your covered spouse enrolled in the BCBS PPO Plan. See the Surcharge questions below for more information.
You and your covered spouse enrolled in the BCBS Medical Plan will be required to complete an annual physical by December 31, to avoid the surcharge.
The surcharge is $50 per month per employee and spouse. This means that if you cover your spouse you BOTH will pay a $50 per month surcharge if you do not get your annual physical. Here is how it works:
IF...
You DO NOT Cover a Spouse and …
You DO Cover a Spouse and …
You are not required to get an annual physical, as you do not pay premiums to CMC. However, because CMC cares about health, we encourage all employees and their spouses to get an annual physical every year.
Annual physicals are covered once in a calendar year rather than rolling 12 months. So if, for example, you got your annual physical in September 2021, you can get another one in June 2022.
If you got your annual physical on or before December 31, it will count for the following year's standard medical rates.
Yes, if you see an in-network doctor. Go to BCBSTX.com or contact BCBS at 1-877-262-7977 to find an in-network doctor.
You should verify with BCBS before you make your appointment that your doctor is in-network. Go to BCBSTX.com or contact BCBS at 1-877-262-7977.
No. If you get an annual physical at an out-of-network doctor your annual physical will still count and you will not pay the surcharge. However, if you go to an out-of-network doctor, you will pay the full cost of the visit. CMC does not cover out-of-network annual physicals.
Tell your doctor that you are making an appointment for an annual physical exam.
In order for the blood work or tests to be covered at 100% by CMC, you will need to verify that the facility and services performed are in-network and are coded as part of the annual physical.
That part of the visit may not be covered at 100%.
Before you leave your doctor’s office, request a copy of your itemized bill to verify that your visit was coded as an annual physical and keep it for your records. After your visit, check your Explanation of Benefits (EOB) to make sure it was coded as a physical history and processed correctly. It can take a few weeks after your visit for your EOB to be ready for you review. Click here to see an example EOB.
Remember, CMC only covers in-network annual physicals at 100%.
You can find your EOB on BCBSTX.com. From the home page, click on the tab Claims Center tab. It can take a couple of weeks after your visit for your EOB to be ready to review. If your EOB is incorrect, contact BCBS at 1-877-262-7977
NOTE: Not all employees are eligible to participate in the plans described. Eligibility is dependent on the terms of any collective bargaining agreement, employee classification and/or plan documents applicable to the individual employee.