Medical Coverage

Michaels offers several medical plan options, all with prescription drug coverage.

Here’s an overview of how each plan works. All BCBSTX plans have separate  — and higher — deductibles and out-of-pocket maximums for out-of-network care. Review the Enrollment Guide for details on out-of-network benefits.

How the PPO Plans Work – The PPO plans have copay, deductibles, and coinsurance. You can choose any provider, but you’ll save money when you use a provider in the Blue Choice PPO Network.

How the Choice HSA Plan Works – The Choice HSA uses the same network as the PPO Plans, covers the same services and allows you to choose any provider, but you’ll save money when you use in-network providers.

If you live in California, you may also choose to enroll in the Kaiser HRA, but you must use a Kaiser provider for the plan to pay benefits.

Learn more about using your HSA or HRA.

A note about deductibles – The way the deductible works in the Choice HSA plan is different. With the PPOs and the Kaiser HRA, if you have Family coverage, one person can meet the individual deductible and then the plan will share costs (coinsurance) for that individual. With the Choice HSA, if you enroll yourself and at least one dependent, there is no individual deductible. The entire family deductible must be met before the plan pays coinsurance for any covered family member.