Medical Coverage
Medical Insurance Plan Options
Michaels offers several medical plan options, all with prescription drug coverage. Here you’ll find information about how each plan works, what costs to expect, and the resources available to you after you’ve enrolled.
| Basic & Enhanced PPO | Choice HSA | Kaiser HRA | |
| Administered by BCBSTX1 | Administered by Kaiser | ||
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The Basic and Enhanced PPO plans have copays, deductibles, and coinsurance. You can choose any provider, but you’ll save money when you use a provider in the Blue Choice PPO Network. |
The Choice HSA plan uses the same network as the PPO plans and covers the same services. You can choose any provider, but you’ll save money when you use in-network providers. |
California residents can choose to enroll in the Kaiser HRA plan, but must use a Kaiser provider for the plan to pay benefits. | |
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1All plans offered by Blue Cross and Blue Shield of Texas (BCBSTX) have separate and higher deductibles and out-of-pocket maximums for out-of-network care. Review the Enrollment Guide for more details on out-of-network benefits.
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What You'll Pay for Medical Care
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| Choice HSA | Basic PPO | Enhanced PPO | Kaiser HRA (CA only) |
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|---|---|---|---|---|
| Money from Michaels (Amount deposited into HSA or HRA; you can use this money to pay for qualified expenses) |
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| Individual | $500 | N/A | N/A | $425 |
| Family | $1,000 | N/A | N/A | $950 |
| Deductible (Amount you pay before you and Michaels share the cost of care) |
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| Individual | $2,000 | $2,500 | $1,000 | $1,500 |
| Team Member + Spouse/Child | $4,5006 | $5,000 | $2,000 | $3,000 |
| Family | $4,500 | $5,000 | $2,500 | $3,000 |
| Out-of-pocket maximum (The most you will pay – including your deductible and copays – before Michaels pays 100% of remaining eligible expenses for the rest of the plan year) |
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| Individual | $6,000 | $4,500 | $4,500 | $3,000 |
| Team Member + Spouse/Child | $12,000 | $10,600 | $9,000 | $6,000 |
| Family | $14,500 | $10,600 | $10,000 | $6,000 |
| What you pay after you meet the deductible (Except as noted) |
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| Office Visits | ||||
| * Preventive Care2 | $0, no deductible | $0, no deductible | $0, no deductible | $0, no deductible |
| * Primary Care | 20% | $25 copay, no deductible | $30 copay, no deductible | $20 copay |
| * Specialist | 20% | $50 copay, no deductible | $50 copay, no deductible | $20 copay |
| Urgent Care3 | 20% | $75 copay, no deductible | 20% | $20 copay |
| Retail Clinic4 | 20% | $25 copay, no deductible | 20% | $20 copay |
| Emergency Room4 | 20% | 25% | $250 copay + 20% | 20% |
| Hospital Care and Mental Health5 | 20% | 25% | 20% | 20% |
| Routine Prenatal Care | $0, no deductible | $0, no deductible | $0, no deductible | $0, no deductible |
| Delivery | 20% | 25% | 20% | 20% |
| 1Out-of-network expenses are paid based on the allowed charge. You are responsible for any amount above the allowed charge, even after you reach your out-of-pocket maximum, if applicable. 2Preventive care includes, but is not limited to, annual exams, annual gynecological exams, routine mammograms, colonoscopies and immunizations (based on age and gender). 3Must be an urgent care issue or you will pay 100% of the cost. Routine, preventive and diagnostic procedures are not covered at urgent care facilities. See your Summary Plan Description (SPD) for more details. 4Must be a true emergency or you will pay 100% of the cost. 5Pre-certification is required for inpatient care except for delivery. 6You must meet the family deductible before the plan shares expenses for any covered family member. |
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What Each Plan Costs
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| Choice HSA | Basic PPO | Enhanced PPO | Kaiser HRA (CA only) |
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|---|---|---|---|---|
| You | ||||
| Biweekly | $57.06 | $41.26 | $109.29 | $88.34 |
| Annually | $1,483.56 | $1,072.76 | $2,841.54 | $2,166.84 |
| You + Spouse/Domestic Partner1 | ||||
| Biweekly | $153.10 | $111.29 | $274.74 | $199.26 |
| Annually | $3,980.60 | $2,893.54 | $7,143.24 | $5,180.76 |
| You + Child(ren) | ||||
| Biweekly | $112.74 | $75.03 | $209.47 | $157.56 |
| Annually | $2,931.24 | $1,950.78 | $5,446.22 | $4,096.56 |
| You + Family | ||||
| Biweekly | $189.28 | $130.04 | $333.94 | $234.75 |
| Annually | $4,921.28 | $3,381.04 | $8,862.44 | $6,103.50 |
| 1By law, if a domestic partner does not qualify as a tax dependent, the cost for his/her benefits cannot be paid pretax, and the “value” of Team Member and employer-provided domestic partner contributions is taxable. | ||||
Pharmacy Benefits
For more pharmacy information and resources included in each medical plan, visit the Pharmacy Benefits page.
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| BCBSTX Choice HSA | BCBSTX Basic PPO | BCBSTX Enhanced PPO | Kaiser HRA | |
|---|---|---|---|---|
| In-Network Benefits Only | ||||
| Preventive Drug List1 | $0 copay | $0 copay | $0 copay | $0 (based on ACA required coverage) |
| Generic | Before you meet deductible, you pay full cost of drug. After you meet deductible, you pay 20% | Retail2: $14 copay Mail-order3: $35 copay | Retail2: $10 copay Mail-order3: $20 copay | Retail2: $10 copay Mail-order3: $20 copay |
| Preferred Brand | Before you meet deductible, you pay full cost of drug. After you meet deductible, you pay 20% | Retail2: 25% ($50 min; $130 max) Mail-order3: $125 copay | Retail2: $35 copay Mail-order3: $70 copay | Retail2: $30 copay Mail-order3: $60 copay |
| Non-Preferred Brand4 | Before you meet deductible, you pay full cost of drug. After you meet deductible, you pay 50% ($100 min; $250 max) | 50% after deductible ($100 min; $250 max) | 50% after deductible ($100 min; $250 max) | Retail2: $30 copay Mail-order3: $60 copay |
| Specialty Pharmacy5 | Before you meet deductible, you pay full cost of drug. After you meet deductible, you pay: Generic: 20% ($200 max) Preferred brand: 20% ($250 max) Non-Preferred brand: 50% ($350 max) | Generic: $14 copay | Generic: $10 copay | $30 copay in most cases |
| Preferred brand: 25% ($50 min; $130 max) | Preferred brand: $35 copay | |||
| Non-Preferred brand: 50% after deductible ($350 max) | Non-Preferred brand: Non-Preferred brand: 50% after deductible ($350 max) |
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| Out-of-Pocket Maximum (If you reach this limit, Michaels pays 100% of all remaining eligible prescription drug costs for the rest of the plan year). | ||||
| Individual | Included in medical out-of-pocket max | $2,050 | Included in medical out-of-pocket max | Included in medical out-of-pocket max |
| Family | Included in medical out-of-pocket max | $4,100 | Included in medical out-of-pocket max | Included in medical out-of-pocket max |
| 1Review the preventive drug list. 2Up to 30-day supply. 3With BCBSTX plans, up to 90-day supply; also available at your local CVS pharmacy, the same as through mail order. The Kaiser HRA allows up to a 100-day supply. 4Non-preferred brand drug costs don’t apply to the out-of-pocket-maximum. Up to a 30-day supply. Specialty drug costs apply to out-of-pocket-maximum. |
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Medicare Eligibility
Are you turning 65 and eligible for Medicare? Contact Medicare Transition Services for information and assistance.
Choosing & Using an HSA or HRA Plan
To help you pay for eligible in-network health care expenses, Michaels contributes to either a Health Savings Account (HSA) if you enroll in the Select HSA plan, or a Health Reimbursement Account (HRA) if you enroll in the Kaiser HRA plan.
The two types of accounts work differently: follow the links for a closer look at each account in order to help you choose.
Deductibles & Coinsurance
Coinsurance and deductibles function differently depending on the plan you choose.
PPO & Kaiser HRA Plans: If you have Family coverage, one person can meet the individual deductible, and then the plan will share costs for that individual (coinsurance).
Choice HSA Plan: If you enroll yourself and at least one (1) dependent, there is no individual deductible. The entire family deductible must be met before the plan pays coinsurance for any covered family member.
To access more detailed benefits documentation, including plan summaries and required legal notices, head over to the Document Library.
Resources for BCBSTX Plan Members
Your BCBSTX medical plan includes access to a wide variety of medical resources and programs available to you at no additional cost – use the links below to learn more.
Provider Finder
Well onTarget & Health Assessment Program
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Group Numbers for BCBSTX Medical Plans
- Enhanced Plan: 363243
- Basic Plan: 363244
- Choice Plan: 363245
Community Resource Directory
BCBSTX members have access to an online directory with information regarding community resources (i.e. financial assistance, food pantries, medical care, and other free or reduced-cost help) in all states, not just Texas.
Helpful Links for BCBSTX Members
Member Welcome: English | Spanish
Blue Access for Members: We’re With You Wherever You Go | Your Health at Your Fingertips
Services: Preventative Services | Virtual Visits | Breast Cancer Screenings
Travel Coverage with Global Core
Like your passport, always carry your Blue Cross and Blue Shield of Texas (BCBSTX) ID card with you when you travel or live abroad.
Through the Blue Cross and Blue Shield Global Core program, you have access to doctors, hospitals and other health services in nearly 200 countries and territories around the world.
Blue Cross & Blue Shield of Texas (BCBSTX)
Medical Insurance (PPO & HSA)
Contact Information
Phone: 1-877-269-1180
Quick Links
Resources for Kaiser Plan Members
Open Enrollment Self-Guide
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Helpful Links for Kaiser Members
Kaiser Permanente
Medical Insurance & Health Reimbursement Account (HRA)
Contact Information
Phone: 1-800-464-4000
TTY: 711
Quick Links
New Hire Hub
Benefits Enrollment Guidance for Newly-Hired Full-Time Team MembersWelcome
Congratulations! We are delighted to have you on the Michaels team. We know you have lots of information to review, things to learn, and steps to complete as you begin your career with us, so we want to make sure that the process of selecting benefits for you and your family is as simple as possible. The information and tools provided on this website make it simple to evaluate your options and then “design your benefits” for today and in the future.
Get Started
Get started with your benefits enrollment today! Start by watching the orientation video and reviewing the job aid; both are linked below.
Important
You have 30 days from your date of hire to complete your benefits enrollment.
You can use the Enrollment Deadline & Effective Date Calculator on this page to confirm your enrollment deadline.
Watch the Benefits Enrollment Orientation Video
Review the New Hire Enrollment Job Aid
Confirm Your Enrollment Deadline
Enrollment Deadline & Effective Date Calculator
Your enrollment deadline is 30 days from your hire date. Your effective date is the first of the month following 30 days of service.
Select your hire date:
New Hire Checklist
The following checklist will get you started with your benefits enrollment. A more detailed enrollment guide can be found at this link: How to Enroll.
- Know who’s eligible: Find out who you can cover under your Michaels benefits. Most plans provide coverage for eligible dependents; if you need to cover family members, you can determine who is eligible. Remember, your spouse or domestic partner cannot be covered by a Michaels medical plan if full-time medical coverage is available through his/her employer.
- Compare the options: Let eValuate help you choose the right coverage for you and your family.
- Add up FSA savings: You may want to take advantage of the tax-savings of one or more Flexible Spending Accounts (FSAs).
- Consider life Insurance and name your beneficiaries: Figure out how much life insurance coverage you need to protect yourself and those you love. Your beneficiaries are managed in Workday, and you can change your designation at any time.
Virtual Health Care & Telehealth Services
24/7 Virtual Access to Health CareFree MDLIVE Visits for Those Impacted by Hurricanes
MDLIVE is offering a free urgent care and behavioral health visit* for those impacted by Hurricane Helene and/or Hurricane Milton. MDLIVE gives you and your eligible dependents 24/7/365 access to affordable and reliable doctor visits from the safety of your home.
How to Redeem Your Free Visit*
- Visit mdlive.com/bcbstx, call 888-680-8646, or use the MDLIVE app to log in or create an account.
- Select Urgent Care (on-demand 24/7) or Mental Health (by appointment only) and schedule an appointment with a provider.
- When presented with payment options, redeem a free visit by entering the promo code:
- For urgent care, use promo code HeleneUC or MiltonUC.
- For behavioral health, use promo code HeleneBH or MiltonBH.
*This promo will be available through Jan. 31, 2025.
Some of the Benefits of MDLIVE
- Physicians are all board-certified, state-licensed, and experienced in delivering high-quality medical care. Consultations are one-on-one and completely private.
- It’s suitable for the whole family — pediatricians are available.
- It’s less expensive compared to Urgent Care or the ER.
- MDLIVE’s doctors can treat over 80 common illnesses and can even send prescriptions to your pharmacy if medically appropriate.
- You can talk to an MDLIVE doctor in less than 15 minutes via the MDLIVE app, on the MDLIVE website, or by phone.
When you’re enrolled in a Michaels medical plan, you and your covered dependent(s) can speak with a board-certified doctor by phone or video 24/7 through MDLIVE!
Blue Cross & Blue Shield of Texas (BCBSTX) Members
Virtual Visits with MDLIVE
Leading virtual visits vendor, MDLIVE, lets you visit independently-contracted MDLIVE board-certified doctors when you may need care. MDLIVE doctors may help treat non-emergency medical and pediatric health issues. Plus, they may even write and send prescriptions to a nearby pharmacy, when appropriate.
You may desire a virtual visit:
More information can be found in the materials linked below from BCBSTX and MDLIVE:
Provider
Blue Cross & Blue Shield of Texas (BCBSTX)
Medical Insurance (PPO & HSA)
Contact Information
Phone: 1-877-269-1180
Quick Links
Kaiser Permanente Members
Kaiser Telehealth Services
With Kaiser Telehealth, you can use everyday devices like your smartphone, laptop, or tablet to get care outside of where your typical care team is physically located.
Telehealth usually means connecting virtually with a health care professional while you’re out in the real world, such as in your backyard, at the park, or at the beach. However, telehealth can take place during office visits, too, like when your doctor consults with a specialist in another room or facility.
More information can be found in the video presentation and materials linked below from Kaiser:
Provider
Kaiser Permanente
Medical Insurance & Health Reimbursement Account (HRA)
Contact Information
Phone: 1-800-464-4000
TTY: 711
Quick Links
24/7 Virtual Access to Health Care
Company-Paid Telehealth Services through CirrusMDCirrusMD Virtual Health Care
You and members of your family* have access to a 100% company-paid virtual care platform, CirrusMD. When you have a medical question, you can reach a licensed provider through the CirrusMD app at any time, from anywhere, with no appointments or wait times.
There is no cost to access care through CirrusMD. You’ll only pay the cost for any prescription medications or care you receive from providers outside the CirrusMD platform.
*CirrusMD is available to all part time Michaels team members ages 18 and older and their immediate family members. An immediate family member is defined as your spouse, domestic partner, and/or dependent(s) under 26 years old.
Follow the CirrusMD Registration Guide to sign up for CirrusMD and get care for free when and where you need it.
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How It Works
When you have a medical question, you can reach a doctor through the CirrusMD app and get connected in less than a minute. Telehealth services are available 24 hours a day, seven days a week, 365 days a year.
Michaels part-time Team Members and family members* can consult with licensed medical provider from anywhere through the CirrusMD app.
Connect from home, work, or wherever life takes you. Get help with:
- Urgent care (coughs, fevers, sore throat, stomach pain, diarrhea, rashes, allergic reactions, animal/insect bites, sports injuries)
- Chronic care and prevention (diabetes, hypertension, asthma, acne, smoking cessation)
- Women’s health (birth control, irregular bleeding, urinary tract infections, wellness)
- Mental health (anxiety, depression, stress, insomnia)
- Other general health questions
- Questions about where to receive care
*Team Members and dependents must be at least 18 years of age to use the CirrusMD services.
Video Guides
Quick Links
Provider
CirrusMD
Paid Parental Leave (PPL)
Supporting Your Growing FamilyPaid Parental Leave (PPL) Policy
Benefits & Guidelines
All US full-time exempt Team Members are eligible for Paid Parental Leave (PPL) to support families after the birth, adoption, surrogacy, or legal placement of a child. This policy covers birthing mothers and all eligible non-birthing parents, including dads and domestic partners.
Further Reading: Michaels Announces Enhanced Paid Leave Programs (Feb. 5, 2023)
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How PPL Works
| Program Features | |
|---|---|
| Waiting period from hire date | |
| None, as long as the qualifying event occurred on or after Feb. 5 of the plan year. | |
| Benefit amount | |
| Up to 8 weeks of full pay1 for each parent/guardian Team Member. | |
| Application process | |
| Apply directly with Matrix using existing leave process and documentation requirements. | |
| Concurrent policies | |
| PPL hours are applied to any qualifying paid or unpaid family and medical leaves, unless otherwise dictated by applicable federal, state, provincial or local law. | If applicable and approved, PPL for birth mothers covered by Michaels Short-Term Disability (STD)2 is paid concurrently3 through the first 8 weeks of PPL. |
| 1This is your usual pay rate in effect when you first became disabled. It does not include bonuses, overtime pay, extra benefits or compensation. 2The STD benefit will be paid based on the duration of disability. Generally, the duration for maternity disability is up to 6 weeks following a normal delivery and up to 8 weeks following a C-section. 3STD is not available in California, Connecticut, District of Columbia, New York, Rhode Island, Massachusetts, Washington or New Jersey. |
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Guidelines for Use of PPL Hours
- PPL time cannot be used before the birth or effective date of the event (unless required by applicable laws); time off needed before the date should be covered by other types of paid leave, e.g., personal, vacation or sick time.
- Team Members have a choice to use all paid leave, and/or PPL in accordance with Company policies and applicable laws.
- PPL will be paid first and then the Team Member can elect to use sick, personal and vacation hours.
- PPL hours are available throughout the first year following the qualifying event, not just immediately after birth or placement.
- Covered Team Members receiving STD benefits for the birth of a child must fully exhaust those benefits before requesting the remaining PPL balance within first year following the event.
- For Team Members not receiving STD pay, full PPL balance available for use as needed throughout child’s first year with the family.
- PPL may be used more than once, but not within the same 12-month period, unless required by applicable law.
- Where applicable, PPL follows the same 12-month, rolling backward period as U.S. Family and Medical Leave Act (FMLA) leave.
Video Overview of Leave, Disability & Voluntary Benefits
Request Leave
Get Support
For assistance, contact Team Member Services at 855-432-MIKE (6453) and select option 2, available Monday through Friday from 8 a.m. to 5 p.m. CT. You can also open a Knowledge Zone support ticket.
Guidance for Filing Claims with Reliance Matrix
How-To Guides
- Easy Access Claims Filing - Process flow overview for filing claims with Reliance Matrix.
- Filing Claims with Reliance Matrix - Applies to Leave of Absence (LOA), Disability, and Voluntary benefits.
- How to File Claims for Short-Term Disability (STD) & Family Medical Leave of Absence (FMLA)
- How to File Claims for Voluntary Accident, Hospital Indemnity & Critical Illness
- Download the Matrix eServices App
Important Note About Claims for Kaiser Members
Team Members who are enrolled in a Kaiser medical plan must complete an authorization release form in order to file a claim with Reliance Matrix.
- Reliance Matrix will provide you with the authorization release form to sign and return.
- This form is required in order for Reliance Matrix to obtain the required medical certification from your physician.
- Failure to provide the signed authorization release form to Reliance Matrix will result in your claim being denied.
File Your Claim(s) Online with Reliance Matrix
Provider
Reliance Matrix
Disability, Life & AD&D, Accident, Critical Illness, Hospital Indemnity Insurance
Contact
Phone: 1-800-351-7500
Wellness Requirement Verification
Confirm Your Wellness Activity
Michaels offers you and your spouse/domestic partner an opportunity every year to pay a lower medical premium. If you and your spouse/domestic partner are enrolled in a Michaels full-time medical plan, you both must complete an annual wellness exam between July 1, 2023 and June 30, 2024 to avoid a $780 per person surcharge on your 2024-2025 medical premiums.
Our records show that you and/or your spouse/domestic partner have not completed the wellness requirement and will NOT be eligible for the lower medical premium each month. If you are subject to the surcharge, your monthly premium for medical coverage WILL INCREASE beginning with the August 8, 2024 paycheck.
Wellness exams can take up to 45 days after the date of service to be reported to Michaels. We ask for your patience while we partner with our vendors to get confirmation.
If You Think Our Records Are Incorrect
If you believe our records are incorrect, and all wellness activities have been completed, please complete the form below by June 30, 2024 and we will begin a review.
Please provide all requested data so that we can quickly resolve your dispute.
While we research your information, please review this list of Frequently Asked Questions (FAQs).
2nd.MD
Free Expert Medical Advice & Second Opinions for Critical Health ConcernsThis program is for Team Members enrolled in a BCBSTX medical plan.
Expert Medical Services
Your medical coverage with BCBSTX includes FREE access to expert medical advice and second opinions for critical health concerns from some of the country’s leading medical providers.
When you’re facing a critical medical decision, 2nd.MD can help you receive the right diagnosis and the right course of treatment — all at no cost to you. They can put you in touch with a board-certified, leading doctor, specializing in your area of need, by video or phone within 3-5 days of your request. The 2nd.MD Care Team will coordinate all the details for you and help you collect the necessary medical records, so you can focus on getting the best care possible.
This benefit is available to all U.S. Team Members and dependents enrolled in a BCBSTX medical plan.
Get Started
- Activate your account by visiting 2ndmd.com/michaels or calling 1-866-841-2575.
- Download the 2nd.MD app so that no matter where you are, you can speak a 2nd.MD specialist via video.
Provider
Blue Cross & Blue Shield of Texas (BCBSTX)
Medical Insurance (PPO & HSA)
Contact Information
Phone: 1-877-269-1180
Quick Links
Contacts
For Assistance with Part-Time Benefits & Extras| Category | Contact | Phone Number | Website |
|---|---|---|---|
| Benefit Extras & Discounts (Part-Time) | Advancial Credit Union | 1-800-322-2709 | Visit Website |
| Employee Assistance Program (EAP) | Aetna Resources for Living (EAP) | 1-800-283-5645 | Log In Username: Michaels Access Code: 8002835645 |
| Fitness Discounts | Camp Gladiator | Visit Website | |
| Virtual Care/Telehealth | CirrusMD | Access CirrusMD & Log In | |
| Tuition Discounts | Colorado Technical University | 1-866-897-1560 | |
| Employment Verification | 1-800-367-5690 (ID: 11668) | Visit Website | |
| Benefit Extras & Discounts | Corporate America Family Credit Union (CAFCU) | 1-800-359-1939 | Visit Website |
| Fitness Discounts | Global Fit | 1-800-294-1500 | Visit Website |
| Child Care Discounts | KinderCare Learning Centers | 1-877-914-7683 | Visit Website |
| Claims for Disability, Leave of Absence (LOA), Accident & Critical Illness | Matrix Absence Management | 1-888-288-1354 | Log In |
| Health, Life, Auto & Home | Mercer Indigo (Michaels Part-Time Benefits Program) | General Support: 1-855-429-8851 Health Markets: 1-855-568-0140 | Visit Website |
| Discounts | PerkSpot | 1-866-606-6057 | Log In |
| Supportiv | Supportiv | Online Chat Only | Website |
| HR, Payroll, Benefits & Open Enrollment | Team Member Services | 1-855-432-MIKE (6453) | |
| Tuition Discounts | University of Phoenix | 1-866-354-1800 | Visit Website |
| 401(k) | Voya | 833-396-4015 | Log In |
| Tuition Discounts | WGU Texas Online University | Visit Website | |
| Payroll, HR, & Benefits (Qualifying Life Events & Open Enrollment) | Workday | Log In |