CareWay Tiered Provider Network

Finding the right doctor is about more than just a name on a list — it’s about balancing quality and costs.

That’s why Michaels is introducing the Blue Cross Blue Shield of Texas (BCBSTX) CareWay Tiered Network for those enrolled in the Basic PPO and Enhanced PPO medical plans. It takes the guesswork out of the process by vetting providers for you, looking at everything from medical expertise to efficiency, so you can focus on staying healthy.

How It Works

Providers are grouped into four tiers based on quality, results, and efficiency – as illustrated in the “CareWay Tiering Structure” table below.
Choosing Tier 1 providers means you’ll get high-quality care with lower copays and coinsurance.
Regardless of the tier your provider(s) are in, your out-of-pocket eligible expenses accumulate to your annual deductible and out-of-pocket maximums.
To compare benefit tiers and find out what you can save on copayments and coinsurance when choosing a Tier 1 provider, review the “What You Pay For Medical Care” table below.
You can use the “Search for Providers” link below to confirm whether your physician is in the CareWay network and what tier they fall under.

Search for Providers

CareWay Tiering Structure

Tier 1 (Pay Lower Copays & Coinsurance)	Tier 2	Tier 3
Physicians in this tier meet a predetermined upper score threshold for Qualify of Care, Medical Appropriateness, and Cost Efficiency, resulting in a lower in-network member cost share. (Tier 1 also includes unscored in-network PPO behavioral health providers.)	Physicians in this tier include professionals with average scores for the same measurements and unscored in-network PPO providers.	Physicians in this tier are comprised of the lower scored professionals for the same measurements.

Tier 1

(Pay Lower Copays & Coinsurance)

Tier 2

Tier 3

Physicians in this tier meet a predetermined upper score threshold for Qualify of Care, Medical Appropriateness, and Cost Efficiency, resulting in a lower in-network member cost share. (Tier 1 also includes unscored in-network PPO behavioral health providers.)

Physicians in this tier include professionals with average scores for the same measurements and unscored in-network PPO providers.

Physicians in this tier are comprised of the lower scored professionals for the same measurements.

What You Pay for Medical Care

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	Choice HSA	Basic PPO		Enhanced PPO		360 Protect Plan		Kaiser HRA (Calif. Only)
	In-Network	CareWay Tier 1 Provider	CareWay Tier 2 or 3 Provider	CareWay Tier 1 Provider	CareWay Tier 2 or 3 Provider	Select Tier 1 Provider	National Tier 2 or 3 Provider	In-Network
Plan Deductible
Team Member Only	$2,500	$3,000		$1,500		$1,000	$1,500	$1,500
Team Member + Spouse/Child(ren)	$5,000	$6,000		$3,000		$2,000	$3,000	$3,000
Team Member + Family	$5,000	$6,000		$3,000		$2,000	$3,000	$3,000
Out-of-Pocket Maximum
Team Member Only	$6,000	$6,000		$6,000		$4,500	$6,000	$3,000
Team Member + Spouse/Child(ren)	$12,000	$12,000		$12,000		$9,000	$12,000	$6,000
Team Member + Family	$14,500	$14,500		$14,500		$11,500	$14,500	$6,000
What You Pay for Medical Care
Coinsurance (Team Member Share)	20%	20%	40%	20%	40%	10%	20%	20%
Preventive Care	$0	$0	$0	$0	$0	$0	$0	$0
Primary Care Office Visit	20%*	$25 copay	$60 copay	$30 copay	$75 copay	$15 copay	$30 copay	$20 copay*
Specialist Office Visit	20%*	$50 copay	$120 copay	$50 copay	$125 copay	$30 copay	$50 copay	$20 copay*
Telehealth	$0	$0	$0	$0	$0	$0	$0	$0
Urgent Care	20%*	$75 copay	$75 copay	20%*	40%*	$50 copay		$20 copay*
Emergency Room	20%*	20%*	20%*	$250 copay + 20%*	$250 copay + 20%*	$250 copay + 10%*	$250 copay + 10%*	20%*
Retail Clinic	20%*	$25 copay	$60 copay	$30 copay	$75 copay	$15 copay	$30 copay	$20 copay*
Hospital Care & Mental Health	20%*	20%*	40%*	20%*	40%*	10%	20%	20%
Routine Prenatal Care	20%*	$25 (PCP) $50 (SPC)	$60 (PCP) $120 (SPC)	$30 (PCP) $50 (SPC)	$75 (PCP) $125 (SPC)	10%	20%	$0
Birth Delivery	20%*	20%*	40%	20%*	40%*	10%	20%	20%
Important: This table shows what you pay for services if you use incentive options and in-network providers. For full plan information, including cost information for out-of-network providers, please review the Summaries of Benefits and Coverage for each plan available in the Document Library. All maximums are indicated as plan year maximums. (*Indicates what you pay after the annual plan deductible is met.)

*Indicates what you pay after the annual plan deductible is met. Visit the Medical page for more information.

Search for In-Network Physicians & Specialists

It’s easy to find high quality, cost-efficient physicians that are in the BCBSTX CareWay network. Use Provider Finder to get started.

Search Now

Helpful Links

Plan Administrator

Blue Cross Blue Shield of Texas (BCBSTX)

Medical Insurance (PPO & HSA Plans)

Phone: 877-269-1180

Beginning July 1, 2026, Michaels is introducing the Blue Cross Blue Shield of Texas (BCBSTX) CareWay Tiered Network for those enrolled in the Basic PPO and Enhanced PPO medical plans. Use the toggle below to display information about this new program for 2026–2027 and visit the Open Enrollment page for guidance on enrolling in benefits beginning May 11, 2026.

Beginning July 1, 2026, this benefit will be available at no cost to all full-time Team Members and dependents aged 18 and over enrolled in a Michaels BCBSTX or Imagine360 medical plan.

Cancer Screening, Care & Support

Color can help you prevent cancer, get care for it, and live your life after it. Two out of every five Americans will get cancer in their lifetime, and early detection can more than triple survival rates. Knowing your risk and following screening guidelines is the best way to catch cancer early.

With Color, this is simple and personalized, making it easier than ever to prioritize your health. Whether you’re focused on prevention, navigating a current diagnosis, managing your health after cancer treatment, or caring for a loved one with cancer, Color is here to help every step of the way.

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Expert Care & Cancer Screening Options

Color’s team of cancer experts (including doctors, genetic counselors, care advocates, cancer risk experts, and mental health experts) are here to support you in navigating your screening – with options for at-home screening and help scheduling in-person screenings on your behalf.

Color offers at-home screening kits for colorectal cancer, prostate cancer, cervical cancer, genetic testing, and skin cancer screenings.

Support for Whatever's Next

You can access your Color benefit any time. Color’s team of experts is available 7 days a week for questions, help scheduling or finding a provider. Color will remind you when you’re due for screening and keep you up to date, so you can focus on the rest of your life.

Get Started with Color

Create Your Color Account

First, visit color.com/michaels and create a Color account. You’ll answer a few questions and create an account using your email and password.

Complete Your Cancer Risk Assessment

After you create your account, you’ll be prompted to complete your cancer risk assessment, which takes around 5-10 minutes to complete. This includes questions about your health history, your lifestyle, and more to help Color understand your personalized cancer screening and care needs.

Learn More & Get Started

Video Overview

Provider

Color

Cancer Screenings

Phone: 844-352-6567

Beginning July 1, 2026, this benefit will be available at no cost to all full-time Team Members and dependents aged 18 and over enrolled in a Michaels BCBSTX or Imagine360 medical plan. Use the toggle below to display information about this new benefit for 2026–2027 and visit the Open Enrollment page for guidance on enrolling in benefits beginning May 11, 2026.

Starting July 1, non-urgent/non-emergent MRIs and CT scans must be scheduled through OneImaging to be covered under Michaels BCBSTX medical plans. If you don’t coordinate your imaging through OneImaging, your medical plan will not cover the services.

OneImaging Services

OneImaging makes it easy and convenient to get medical imaging — like MRIs, CT scans, X-rays, ultrasounds, and mammograms — without the long wait times and high costs often found elsewhere.

Available May 1, 2026

While contacting OneImaging will soon be required for non-urgent MRI and CT scans, this benefit is available* starting May 1, 2026, for all your imaging needs.

With OneImaging, you get:

Clear pricing and savings of 60% to 80% on imaging services
Access to a nationwide network of accredited facilities
Easy scheduling online or with help from OneImaging’s support team
Hands-on support for your imaging needs and answers to your questions

*Must be enrolled in a BCBSTX Michaels medical plan. If you don’t coordinate your imaging through OneImaging, your medical plan will not cover the services.

OneImaging is your exclusive network provider for non-urgent MRIs and CT scans.

Get Started with OneImaging

Provider

OneImaging

Medical Imaging Services

Phone: 833-619-0837 (Call or Text)

Email: help@oneimaging.com

Visit Website

Starting July 1, non-urgent/non-emergent MRIs and CT scans must be scheduled through OneImaging to be covered under Michaels BCBSTX and Imagine360 medical plans. If you don’t coordinate your imaging through OneImaging, your medical plan will not cover the services.

OneImaging Services

OneImaging makes it easy and convenient to get medical imaging — like MRIs, CT scans, X-rays, ultrasounds, and mammograms — without the long wait times and high costs often found elsewhere.

Available May 1, 2026

While contacting OneImaging will soon be required for non-urgent MRI and CT scans, this benefit is available* starting May 1, 2026, for all your imaging needs.

With OneImaging, you get:

Clear pricing and savings of 60% to 80% on imaging services
Access to a nationwide network of accredited facilities
Easy scheduling online or with help from OneImaging’s support team
Hands-on support for your imaging needs and answers to your questions

*Must be enrolled in a Michaels BCBSTX or Imagine360 medical plan. If you don’t coordinate your imaging through OneImaging, your medical plan will not cover the services.

OneImaging is your exclusive network provider for non-urgent MRIs and CT scans.

Get Started with OneImaging

Provider

OneImaging

Medical Imaging Services

Phone: 833-619-0837 (Call or Text)

Email: help@oneimaging.com

Visit Website

Looking for pharmacy information for your Kaiser HRA plan?

If you’re enrolled in the Michaels Kaiser HRA plan, you must fill your prescriptions at a Kaiser-associated pharmacy in order for them to be covered. You can use your HRA to pay for prescription drugs.

Search for Kaiser Pharmacies

Prescription Drug Coverage for BCBSTX & Imagine360 Plan Members

Pharmacy Plan Information

If you are enrolled in a Michaels BCBSTX or Imagine360 medical plan, you will use the Prime Therapeutics Balanced Drug List Formulary, which is a list of preferred drugs that cost you less. If your doctor writes you a prescription, make sure it’s on the formulary, and if it’s not, ask your doctor whether another drug on the formulary will work for you.

You can fill one prescription for a maintenance medication at a retail pharmacy before the home delivery requirement applies.
You have the option to get 90-day supplies at CVS Pharmacy locations.
If you’re enrolled in the BCBSTX Choice HSA, you can use your HSA to pay for prescription drugs.

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Retail Pharmacies

Retail pharmacies are best for filling medications that you’ll use for 30 days or less. You can get your medication and begin using it almost immediately. You can also receive a 90-day supply at your local CVS pharmacy, and you won’t have to wait to receive it.

CVS Pharmacy is In-Network

CVS Pharmacy is in-network and will fill your prescriptions.
If your CVS Pharmacy is one that doesn’t immediately recognize your plan, you can request that they process your ID card again to confirm.
For BCBSTX plan members: Michaels and BCBSTX are working with CVS Pharmacy to ensure communication of the BCBSTX in-network status to all CVS Pharmacy locations so that Team Members will not experience issues getting prescriptions filled due to pharmacists incorrectly notifying Team Members that CVS does not accept BCBSTX coverage.

90-Day Home Delivery Prescriptions

Home delivery prescriptions are best for filling medications that you’ll take for 90 days or more.

Make sure you ask your doctor to write the prescription for 90 days instead of 30.
It can take up to two weeks for you to receive your medication using this method. If you need medication immediately, ask your doctor for a 30-day prescription that you can fill at your local pharmacy.
For BCBSTX plan members: Your doctor may be able to upload your prescription directly to the prescription drug provider. Otherwise, you must complete a Home Delivery Service Form in the BCBSTX member portal and send in your written prescription.

For maintenance medications, 90-day home delivery is required. Refer to the next section for more details.

Maintenance Medications

Maintenance medications are prescriptions that you need on a regular basis for an ongoing condition, such as high blood pressure.

Maintenance medications on the preventive drug list are available for $0 copay with no deductible.

90-Day Home Delivery Requirement

If you take a maintenance medication, it is mandatory that you use 90-day home delivery. You will be allowed one 30-day fill at a pharmacy location. After that, you’re required to get a 90-day supply either through mail order or at a local CVS Pharmacy.

In-Network Benefits

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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)
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.

Drug Lists

Balanced Drug List Formulary (includes Dispensing Limits, Prior Authorization Programs, and Step Therapy Programs)
Preventative Drug List (Preventative Drug Benefit Program)
Contraceptive List (ACA)
Drug List (ACA)
Specialty Drug List

Split-Fill Program

For no additional cost, eligible Team Members can take advantage of the Specialty Drug Split-Fill program to try a partial quantity of a newly prescribed specialty drug before the full month’s supply is filled.

The resources linked below are for BCBSTX plan members. Resources for Imagine360 plan members will be posted here soon.

Helpful Resources

Note: If you’re enrolled in the Kaiser HRA plan, you must fill your prescriptions at a Kaiser-associated pharmacy in order for them to be covered. You can use your HRA to pay for prescription drugs.

Prescription Drug Coverage

Plan Highlights

Our BCBSTX medical plans use the Prime Therapeutics Balanced Drug List Formulary, which is a list of preferred drugs that cost you less. If your doctor writes you a prescription, make sure it’s on the formulary, and if it’s not, ask your doctor whether another drug on the formulary will work for you.

You can fill one prescription for a maintenance medication at a retail pharmacy before the home delivery requirement applies.
You have the option to get 90-day supplies at CVS Pharmacy locations.
If you’re enrolled in the Choice HSA, you can use your HSA to pay for prescription drugs.

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Retail Pharmacies

CVS Pharmacy is In-Network

CVS Pharmacy is in-network for BCBSTX and will fill your prescriptions.
If your CVS Pharmacy is one that doesn’t immediately recognize your plan, you can request that they process your ID card again to confirm.
Michaels and BCBSTX are working with CVS Pharmacy to ensure communication of the BCBSTX in-network status to all CVS Pharmacy locations so that Team Members will not experience issues getting prescriptions filled due to pharmacists incorrectly notifying Team Members that CVS does not accept BCBSTX coverage.

90-Day Home Delivery Prescriptions

Home delivery prescriptions are best for filling medications that you’ll take for 90 days or more.

Make sure you ask your doctor to write the prescription for 90 days instead of 30.
Your doctor may be able to upload your prescription directly to the prescription drug provider. Otherwise, you must complete a Home Delivery Service Form in the BCBSTX member portal and send in your written prescription.
It can take up to two weeks for you to receive your medication using this method. If you need medication immediately, ask your doctor for a 30-day prescription that you can fill at your local pharmacy.

For maintenance medications, 90-day home delivery is required. Refer to the next section for more details.

Maintenance Medications

Maintenance medications are prescriptions that you need on a regular basis for an ongoing condition, such as high blood pressure.

Maintenance medications on the preventive drug list are available for $0 copay with no deductible.

90-Day Home Delivery Requirement

If you are enrolled in a BCBSTX plan and you take a maintenance medication, it is mandatory that you use 90-day home delivery. You will be allowed one 30-day fill at a pharmacy location. After that, you’re required to get a 90-day supply either through mail order or at a local CVS Pharmacy.

In-Network Benefits

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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)
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.

Drug Lists

Balanced Drug List Formulary (includes Dispensing Limits, Prior Authorization Programs, and Step Therapy Programs)
Preventative Drug List (Preventative Drug Benefit Program)
Contraceptive List (ACA)
Drug List (ACA)
Specialty Drug List

Split-Fill Program

Member Resources

Reimbursement Claims

Prescription Drug Claim Form

Contact Your Provider

Blue Cross Blue Shield of Texas (BCBSTX)

Medical Insurance (PPO & HSA Plans)

Phone: 877-269-1180

Medical

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 once you’ve enrolled.

Medical Insurance Plan Options

Already enrolled in a medical plan? Go to Member Resources & Programs.

Choice HSA

You pay the plan rate for doctor visits, services, and prescriptions until your annual deductible is met.

You can choose any provider, but you’ll save money when you use providers in the BCBSTX network.

Provider Search

Basic PPO

You pay a flat fee for doctor visits, services, and prescriptions. These expenses count toward your annual deductible.

You can choose any provider, but you’ll save money when you use providers identified in Tier 1 of the CareWay network.

Provider Search

Enhanced PPO

You pay a flat fee for doctor visits, services, and prescriptions. These expenses count toward your annual deductible.

You can choose any provider, but you’ll save money when you use providers identified in Tier 1 of the CareWay network.

Provider Search

360 Protect Plan

You pay a flat fee for doctor visits, services, and prescriptions, often at lower prices than a typical PPO. These expenses will count toward your annual deductible.

You can choose any provider, but you’ll save money when you use select or national select or national Imagine360 providers.

Provider Search

Kaiser HRA

California Only

Team Members in California may choose to enroll in the Kaiser HRA plan, which functions similarly to a PPO plan.

You must use a provider in the Kaiser network in order for the plan to pay benefits.

Provider Search

Understanding How the Plans Work

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PPO vs. HDHP Plans

If you are deciding between a Preferred Provider Organization (PPO) plan, or our Choice HSA High-Deductible Health Plan (HDHP), it’s important that you understand the basic components of each plan type. Use this comparison chart to help you identify which plan type may be best for you and your family.

Which plan may be right for me?

PPO if: You prefer predictable, fixed costs at the doctor’s office and want individual deductibles for your family because a member needs more care.
Choice HSA if: You generally only visit the doctor for annual check-ups and want to build long-term savings for healthcare.

	Basic PPO, Enhanced PPO, and 360 Protect Plan	BCBSTX Choice HSA (HDHP)
Premiums	Variable Premiums: There are four PPO plans available to choose from. The Basic PPO plan offers the lowest per-paycheck cost of all plans.	Moderate Premiums: Higher per-paycheck cost than the Basic PPO. Offers long-term savings opportunity with a health savings account (HSA).
Copays	Predictable Fees with Copays You pay flat fees for doctor visits and prescriptions from day one, without having to first meet a deductible.	No Copays: You pay for services and prescriptions until your deductible is met; then the plan will pay a portion of the cost.
Deductibles	Individual-Focused: Once one person on the plan meets their deductible, the plan coinsurance starts paying for that person. Best for those with chronic conditions or frequent specialist visits.	Family-Focused: The entire family deductible must be met before the plan coinsurance begins sharing costs. Best for those who mainly need preventive care and are generally healthy.
Coinsurance	Ongoing Care: Once deductibles are met, the plan (Michaels) pays a portion of the cost for services.	Ongoing Care: Once deductibles are met, the plan pays a portion of the cost for services.
Out-of-Pocket Maximum	Total Protection: Once you hit your annual limit, the plan pays 100% of all eligible medical costs. Vary by PPO plan.	Total Protection: Once you hit this limit, the plan pays 100% of all eligible medical costs.
Pre-Tax Accounts	Healthcare FSA: Use-it-or-lose-it" account. Best for predictable, annual medical expenses. You contribute pre-tax dollars from your paycheck, Michaels does not.	HSA: Yours to keep. Michaels contributes funds and you can contribute pre-tax dollars from your paycheck to pay for eligible expenses, and the balance rolls over every year.

	Basic PPO, Enhanced PPO y 360 Protect Plan	BCBSTX Choice HSA (HDHP)
Primas	Primas variables: Hay cuatro planes PPO disponibles para elegir. El plan PPO básico ofrece el costo por nómina más bajo de todos los planes.	Primas moderadas: Costo por nómina más alto que el PPO básico. Ofrece la oportunidad de ahorrar a largo plazo con una cuenta de ahorros para la salud (HSA).
Copagos	Predictable Fees with Copays You pay flat fees for doctor visits and prescriptions from day one, without having to first meet a deductible.	Tarifas predecibles con copagos Usted paga tarifas fijas por las visitas al médico y las recetas desde el primer día, sin tener que cumplir primero con un deducible.
Deducible	Enfoque individual: Una vez que una persona en el plan alcanza su deducible, el coseguro del plan comienza a cubrir los gastos de esa persona. Ideal para quienes padecen enfermedades crónicas o realizan visitas frecuentes a especialistas.	Enfoque familiar: Se debe cubrir el deducible familiar completo antes de que el plan de coseguro comience a compartir los costos. Ideal para quienes necesitan principalmente atención preventiva y gozan de buena salud en general.
Coaseguro	Atención continua: Una vez que se alcanzan los deducibles, el plan (Michaels) paga una parte del costo de los servicios.	Atención continua: Una vez que se alcanzan los deducibles, el plan del país cubre una parte del costo de los servicios.
Gasto máximo de bolsillo	Protección total: Una vez que alcance su límite anual, el plan del país cubrirá el 100% de todos los gastos médicos elegibles. Varía según el plan PPO.	Protección total: Una vez que alcance este límite, el plan del país cubrirá el 100% de todos los gastos médicos elegibles.
Cuentas antes de impuestos	Cuenta de Gastos Médicos Flexibles (FSA): Cuenta de "úsala o piérdela". Ideal para gastos médicos anuales predecibles. Usted aporta dinero antes de impuestos de su nómina; Michaels no.	HSA: Es tuya para siempre. Michaels aporta fondos y tú puedes aportar dinero antes de impuestos de tu nómina para pagar gastos elegibles, y el saldo se acumula cada año.

Deductibles & Coinsurance

Coinsurance and deductibles function differently depending on the plan you choose.

PPO & HRA Plans: If you enroll yourself and at least one (1) dependent, once you or one of your dependents meet the deductible, coinsurance applies for that member. Any additional family members must meet their own deductible before coinsurance applies, or until the family deductible is met, then coinsurance applies to all.

HSA Plan: If you enroll yourself and at least one (1) dependent, there is no individual deductible. The total family deductible must be met before coinsurance applies for any family member.

Michaels Contributions to HRA & HSA Plans

To help you pay for eligible health care expenses, Michaels contributes to either a Health Savings Account (HSA) if you enroll in the Choice 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 to help you choose.

For additional ways to contribute pretax dollars to pay for eligible healthcare expenses, visit our Spend & Save page.

Medicare Eligibility

Are you turning 65 and eligible for Medicare? Contact Medicare Transition Services for information and assistance.

Search the Store Locator for FSA-Eligible Items

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Plan Costs & Coverage

What You'll Pay

Put a check-mark next to the plan information you want to display in the charts. All plans are displayed by default.

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	Choice HSA	Basic PPO		Enhanced PPO		360 Protect Plan		Kaiser HRA (Calif. Only)
	In-Network	CareWay Tier 1 Provider	CareWay Tier 2 or 3 Provider	CareWay Tier 1 Provider	CareWay Tier 2 or 3 Provider	Select Tier 1 Provider	National Tier 2 or 3 Provider	In-Network
Plan Deductible
Team Member Only	$2,500	$3,000		$1,500		$1,000	$1,500	$1,500
Team Member + Spouse/Child(ren)	$5,000	$6,000		$3,000		$2,000	$3,000	$3,000
Team Member + Family	$5,000	$6,000		$3,000		$2,000	$3,000	$3,000
Out-of-Pocket Maximum
Team Member Only	$6,000	$6,000		$6,000		$4,500	$6,000	$3,000
Team Member + Spouse/Child(ren)	$12,000	$12,000		$12,000		$9,000	$12,000	$6,000
Team Member + Family	$14,500	$14,500		$14,500		$11,500	$14,500	$6,000
What You Pay for Medical Care
Coinsurance (Team Member Share)	20%	20%	40%	20%	40%	10%	20%	20%
Preventive Care	$0	$0	$0	$0	$0	$0	$0	$0
Primary Care Office Visit	20%*	$25 copay	$60 copay	$30 copay	$75 copay	$15 copay	$30 copay	$20 copay*
Specialist Office Visit	20%*	$50 copay	$120 copay	$50 copay	$125 copay	$30 copay	$50 copay	$20 copay*
Telehealth	$0	$0	$0	$0	$0	$0	$0	$0
Urgent Care	20%*	$75 copay	$75 copay	20%*	40%*	$50 copay		$20 copay*
Emergency Room	20%*	20%*	20%*	$250 copay + 20%*	$250 copay + 20%*	$250 copay + 10%*	$250 copay + 10%*	20%*
Retail Clinic	20%*	$25 copay	$60 copay	$30 copay	$75 copay	$15 copay	$30 copay	$20 copay*
Hospital Care & Mental Health	20%*	20%*	40%*	20%*	40%*	10%	20%	20%
Routine Prenatal Care	20%*	$25 (PCP) $50 (SPC)	$60 (PCP) $120 (SPC)	$30 (PCP) $50 (SPC)	$75 (PCP) $125 (SPC)	10%	20%	$0
Birth Delivery	20%*	20%*	40%	20%*	40%*	10%	20%	20%
Important: This table shows what you pay for services if you use incentive options and in-network providers. For full plan information, including cost information for out-of-network providers, please review the Summaries of Benefits and Coverage for each plan available in the Document Library. All maximums are indicated as plan year maximums. (*Indicates what you pay after the annual plan deductible is met.)

	Choice HSA	Basic PPO		Enhanced PPO		360 Protect Plan		Kaiser HRA (Solo en Calif.)
	Dentro de la red	CareWay Proveedor de nivel 1	CareWay Proveedor de nivel 2 o 3	CareWay Proveedor de nivel 1	CareWay Proveedor de nivel 2 o 3	Seleccionar Proveedor de nivel 1	Nacional Proveedor de nivel 2 o 3	Dentro de la red
Plan de deducible
Solo para miembros del equipo	$2,500	$3,000		$1,500		$1,000	$1,500	$1,500
Miembro del equipo + Cónyuge/Hijo(s)	$5,000	$6,000		$3,000		$2,000	$3,000	$3,000
Miembro del equipo + Familia	$5,000	$6,000		$3,000		$2,000	$3,000	$3,000
Gasto máximo de bolsillo
Solo para miembros del equipo	$6,000	$6,000		$6,000		$4,500	$6,000	$3,000
Miembro del equipo + Cónyuge/Hijo(s)	$12,000	$12,000		$12,000		$9,000	$12,000	$6,000
Miembro del equipo + Familia	$14,500	$14,500		$14,500		$11,500	$14,500	$6,000
Lo que pagas por la atención médica
Coaseguro (Participación del miembro del equipo)	20%	20%	40%	20%	40%	10%	20%	20%
Atención preventiva	$0	$0	$0	$0	$0	$0	$0	$0
Visita al consultorio de atención primaria	20%*	Copago de $25	Copago de $60	Copago de $30	Copago de $75	Copago de $15	Copago de $30	Copago de $20*
Visita al consultorio del especialista	20%*	Copago de $50	Copago de $120	Copago de $50	Copago de $125	Copago de $30	Copago de $50	Copago de $20*
Telesalud	$0	$0	$0	$0	$0	$0	$0	$0
Atención de urgencias	20%*	Copago de $75	Copago de $75	20%*	40%*	Copago de $50		Copago de $20*
Sala de emergencia	20%*	20%*	20%*	Copago de $250 + 20%*	Copago de $250 + 20%*	Copago de $250 + 10%*	$250 copay + 10%*	20%*
Clínica minorista	20%*	Copago de $25	Copago de $60	Copago de $30	Copago de $75	Copago de $15	$30 copay	Copago de $20*
Atención hospitalaria y salud mental	20%*	20%*	40%*	20%*	40%*	10%	20%	20%
Rutina de atención prenatal	20%*	$25 (PCP) $50 (SPC)	$60 (PCP) $120 (SPC)	$30 (PCP) $50 (SPC)	$75 (PCP) $125 (SPC)	10%	20%	$0
Parto	20%*	20%*	40%	20%*	40%*	10%	20%	20%
Importante: Esta tabla muestra lo que pagará por los servicios si utiliza opciones de incentivos y proveedores dentro de la red. Para obtener información completa sobre el plan, incluyendo información sobre costos para proveedores fuera de la red, consulte los Resúmenes de Beneficios y Cobertura de cada plan disponibles en la Biblioteca de Documentos. Todos los máximos se indican como máximos anuales del plan. (*Indica lo que pagará después de alcanzar el deducible anual del plan).

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	Choice HSA	Basic PPO	Enhanced PPO	360 Protect Plan	Kaiser HRA (California Only)
Team Member Only	$72.11	$52.14	$138.10	$110.48	$89.15
Team Member + Spouse¹	$193.45	$140.63	$347.16	$277.73	$213.24
Team Member + Child(ren)	$142.45	$94.81	$264.68	$211.74	$168.58
Team Member + Family	$239.17	$164.32	$421.97	$337.58	$251.38
¹By law, if a domestic partner does not qualify as a tax dependent, the cost for their benefits cannot be paid pre-tax, and the “value” of Team Member and employer-provided domestic partner contributions is taxable.

	Choice HSA	Basic PPO	Enhanced PPO	360 Protect Plan	Kaiser HRA (Solo en California)
Solo para miembros del equipo	$72.11	$52.14	$138.10	$110.48	$89.15
Miembro del equipo + Cónyuge¹	$193.45	$140.63	$347.16	$277.73	$213.24
Miembro del equipo + Hijo(s)	$142.45	$94.81	$264.68	$211.74	$168.58
Miembro del equipo + Familia	$239.17	$164.32	$421.97	$337.58	$251.38
¹Por ley, si una pareja de hecho no califica como dependiente fiscal, el costo de sus beneficios no puede pagarse antes de impuestos, y el «valor» de las contribuciones realizadas por el Miembro del Equipo y por el empleador para la pareja de hecho está sujeto a impuestos.

For more pharmacy information and resources included in each medical plan, visit the Pharmacy Benefits page.

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	Choice HSA	Basic PPO	Enhanced PPO	360 Protect Plan	Kaiser HRA (California Only)
Preventative Drugs¹
Retail & Mail Order	$0 copay	$0 copay	$0 copay	$0 copay	$0 copay
Retail²
Generic	20%*	$14 copay	$10 copay	$10 copay	$10 copay
Preferred Brand	20%*	25% of cost ($50 min; $130 max)	$35 copay	$35 copay	$30 copay
Non-Preferred Brand*	50%* ($100 min; $250 max)	50%* ($100 min; $250 max)	50%* ($100 min; $250 max)	50%* ($100 min; $250 max)	$30 copay
Maintenance/Home Delivery³
Generic	20%*	$35 copay	$20 copay	$20 copay	$20 copay
Preferred Brand	20%*	$125 copay	$70 copay	$70 copay	$60 copay
Non-Preferred Brand*	50%* ($100 min; $250 max)	50%* ($100 min; $250 max)	50%* ($100 min; $250 max)	50%* ($100 min; $250 max)	$60 copay
Specialty Pharmacy⁴
Generic	20%* ($200 max)	$14 copay	$10 copay	$10 copay	$30 copay
Preferred Brand	20%* ($250 max)	25% cost ($50 min; $130 max)	$35 copay	$35 copay	Not Covered
Non-Preferred Brand*	20%* ($350 max)	50% of cost ($350 max)	50% of cost ($350 max)	50% of cost ($350 max)	Not Covered
Out-of-Pocket Maximum⁵
Individual	Included in medical out-of-pocket max	$2,050	Included in medical out-of-pocket max	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	Included in medical out-of-pocket max
¹For BCBSTX and Imagine360 plans: Up to 30-day supply for retail, and up to a 90-day supply for CVS mail order. For Kaiser plan: applies only to medications on ACA list. ²Up to a 30-day supply. ³For BCBSTX and Imagine360 plans: up to a 90-day supply through CVS. For Kaiser plan: up to a 100-day supply. ⁴Up to a 30-day supply. Costs apply toward out-of-pocket maximum. ⁵The out-of-pocket maximum is the most you'll pay before the plan covers 100% of the remaining eligible prescription drug costs for the remainder of the plan year. (*Indicates what you pay after the annual plan deductible is met.)

	Choice HSA	Basic PPO	Enhanced PPO	360 Protect Plan	Kaiser HRA (Solo en California)
Medicamentos preventivos¹
Venta minorista y por correo	Copago de $0	Copago de $0	Copago de $0	Copago de $0	Copago de $0
Comercio minorista²
Genérico/a	20%*	Copago de $14	Copago de $10	Copago de $10	Copago de $10
Marca preferida	20%*	25% del costo ($50 mín.; $130 máx.)	Copago de $35	Copago de $35	Copago de $30
Marca no preferida*	50%* ($100 min; $250 max)	50%* (mínimo $100; máximo $250)	50%* (mínimo $100; máximo $250)	50%* (mínimo $100; máximo $250)	Copago de $30
Mantenimiento / Entrega a domicilio³
Genérico/a	20%*	Copago de $$35	Copago de $20	Copago de $20	Copago de $20
Marca preferida	20%*	Copago de $$125	Copago de $70	Copago de $70	Copago de $60
Marca no preferida*	50%* (mínimo $100; máximo $250)	50%* (mínimo $100; máximo $250)	50%* (mínimo $100; máximo $250)	50%* (mínimo $100; máximo $250)	Copago de $60
Farmacia especializada⁴
Genérico/a	20%* (máximo $200)	Copago de $14	Copago de $10	Copago de $10	Copago de $30
Marca preferida	20%* (máximo $200)	25% del costo (mín. $50; máx. $130)	Copago de $35	Copago de $35	No cubierto
Marca no preferida*	20%* (máximo $200)	50% del costo (máx. $350)	50% del costo (máx. $350)	50% del costo (máx. $350)	No cubierto
Gasto máximo de bolsillo⁵
Individual	Incluido en el tope de gastos médicos de bolsillo	$2,050	Incluido en el tope de gastos médicos de bolsillo	Incluido en el tope de gastos médicos de bolsillo	Incluido en el tope de gastos médicos de bolsillo
Familia	Incluido en el tope de gastos médicos de bolsillo	$4,100	Incluido en el tope de gastos médicos de bolsillo	Incluido en el tope de gastos médicos de bolsillo	Incluido en el tope de gastos médicos de bolsillo
¹Para los planes de BCBSTX e Imagine360: hasta un suministro para 30 días en farmacias minoristas, y hasta un suministro para 90 días mediante el servicio de pedidos por correo de CVS. Para el plan de Kaiser: se aplica únicamente a los medicamentos incluidos en la lista de la ACA. ²Hasta un suministro para 30 días. ³Para los planes de BCBSTX e Imagine360: hasta un suministro para 90 días a través de CVS. Para el plan de Kaiser: hasta un suministro para 100 días. ⁴Hasta un suministro para 30 días. Los costos se aplican al máximo de desembolso personal. ⁵El máximo de desembolso personal es la cantidad máxima que usted pagará antes de que el plan cubra el 100% de los costos elegibles restantes de medicamentos recetados durante el resto del año del plan. (*Indica lo que usted paga una vez que se ha cumplido el deducible anual del plan.)

PPO CareWay Network

To access more detailed benefits documentation, including plan summaries and required legal notices, head over to the Document Library.

Not sure which medical plan is right for you? The eValuate tool can help you choose the medical coverage that's best suited for you and your family.

Why use eValuate?

eValuate is a free resource to help full-time Team Members choose the best medical plan for their needs.

Let the eValuate Health Plan Selector help you decide which medical plan makes the most financial sense for you and your family. Just answer a few questions and eValuate will calculate the tax savings you can expect on premiums and Health Care FSA contributions for each medical plan. Then you’ll get a summary highlighting which option works best for you.

eValuate doesn’t store any of your personal information, or share it with Michaels or anyone else – it’s totally private and confidential.

You can access and utilize eValuate 24/7 from any smartphone, tablet, or computer.

Search the Store Locator for FSA-Eligible Items

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Member Resources & Programs

Select your medical plan administrator below for access to the member resources available to you all year long.

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.

Blue Cross Blue Shield Select Networks

Michaels partners with BCBSTX for our high-quality medical plans and broad network of providers to choose from. Effective July 1, 2025, BCBSTX and Michaels will implement new networks in the locations listed below. The same Michaels benefit plans will continue to be offered across all networks.

Depending on your location, you’ll have access to either the BCBS Select Network or the BCBS BlueCard PPO Network. Team Members located in the below locations can go to the specific websites to search for your provider. While some providers may no longer be considered in network, a majority of Team Members should not experience disruption in their healthcare services. For Team Members located outside of the locations below you will continue to access the Michaels BCBSTX website to search for your provider.

BCBSTX Select Network Provider Finder Links:

California – Tandem PPO

Colorado – Pathway

Florida – Network Blue

Georgia – Blue Open Access POS

Illinois – Blue Choice PPO (BCS)

Minnesota – High Value Network

Kansas City, Missouri – Preferred Care

St. Louis, Missouri – Blue Access Choice

New Jersey – Horizon Managed Care Network

Wisconsin – Blue Preferred POS

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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.

Find Services Near You

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

Flu Season Resources: English | Spanish

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.

Provider

Blue Cross Blue Shield of Texas (BCBSTX)

Medical Insurance (PPO & HSA Plans)

Phone: 877-269-1180

Resources for Imagine360 Plan Members

Your Imagine360 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.

Search for Doctors & Specialists

After opening the link below, enter code OHNVR and your zip code to locate providers in the Imagine360 network.

Provider Search

Your Michaels 360 Protect Plan group number is V100013.

Plan Administrator

Imagine360

Medical Insurance (360 Protect Plan)

Phone: 844-403-2348

Resources for Kaiser Plan Members

Below are links to helpful resources and programs available to you as part of your Kaiser medical plan.

Kaiser Open Enrollment Self-Guide

Plan Administrator

Kaiser Permanente

Medical Insurance (HRA Plan)

Phone: 800-464-4000 (TTY 711)

Visit Website

Search the Store Locator for FSA-Eligible Items

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Medical Insurance Plan Options

Basic & Enhanced PPO	Choice HSA	Kaiser HRA
Administered by BCBSTX¹		Administered by Kaiser Permanente
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. You must use a Kaiser provider for the plan to pay benefits.
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.

Costs & Coverage

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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)
Money from Michaels (Amount deposited into HSA or HRA; you can use this money to pay for qualified expenses)
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)
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)
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)
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.

What Each Plan Costs

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	BCBSTX Basic PPO	BCBSTX Enhanced PPO	BCBSTX Choice HSA	Kaiser HRA (California Only)
Employee	$44.49	$117.84	$61.52	$87.57
Employee + Spouse/DP¹	$119.99	$296.22	$165.06	$209.47
Employee + Child(ren)	$80.89	$225.84	$121.55	$165.60
Employee + Family	$140.21	$360.04	$204.07	$246.94

¹By law, if a domestic partner does not qualify as a tax dependent, the cost for their benefits cannot be paid pre-tax, and the “value” of Team Member and employer-provided domestic partner contributions is taxable.

	Choice HSA	Basic PPO	Enhanced PPO	Kaiser HRA (CA only)
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)
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.

Medicare Eligibility

Are you turning 65 and eligible for Medicare? Contact Medicare Transition Services for information and assistance.

Michaels Contributes to Your HSA or HRA Plan

The two types of accounts work differently. Follow the links for a closer look at each account to help you choose.

Understanding Deductibles & Coinsurance

Coinsurance and deductibles function differently depending on the plan you choose.

HSA Plan: If you enroll yourself and at least one (1) dependent, there is no individual deductible. The total family deductible must be met before coinsurance applies for any family member.

Not sure which medical plan is right for you? The eValuate tool can help you choose the medical coverage that's best suited for you and your family.

Why use eValuate?

eValuate is a free resource to help full-time Team Members choose the best medical plan for their needs.

eValuate doesn’t store any of your personal information, or share it with Michaels or anyone else – it’s totally private and confidential.

You can access and utilize eValuate 24/7 from any smartphone, tablet, or computer.

To access more detailed benefits documentation, including plan summaries and required legal notices, head over to the Document Library.

Visit the Document Library

Search the Store Locator for FSA-Eligible Items

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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.

Blue Cross Blue Shield Select Networks

BCBSTX Select Network Provider Finder Links:

California – Tandem PPO

Colorado – Pathway

Florida – Network Blue

Georgia – Blue Open Access POS

Illinois – Blue Choice PPO (BCS)

Minnesota – High Value Network

Kansas City, Missouri – Preferred Care

St. Louis, Missouri – Blue Access Choice

New Jersey – Horizon Managed Care Network

Wisconsin – Blue Preferred POS

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Group Numbers for BCBSTX Medical Plans

Enhanced Plan: 363243
Basic Plan: 363244
Choice Plan: 363245

Community Resource Directory

Find Services Near You

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

Flu Season Resources: English | Spanish

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.

Provider

Blue Cross Blue Shield of Texas (BCBSTX)

Medical Insurance (PPO & HSA Plans)

Phone: 877-269-1180

Search the Store Locator for FSA-Eligible Items

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Resources for Kaiser Plan Members

Below are links to helpful resources and programs available to you as part of your Kaiser medical plan.

Kaiser Open Enrollment Self-Guide

Provider

Kaiser Permanente

Medical Insurance (HRA Plan)

Phone: 800-464-4000 (TTY 711)

Visit Website

Search the Store Locator for FSA-Eligible Items

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This page provides information about choosing and managing your FSA, identifying eligible expenses, and how to file claims for reimbursement. More FSA resources can be accessed at HealthEquity.com.

What Is an FSA?

A flexible spending account (FSA), administered by HealthEquity, allows you to set aside tax-free money to help pay for eligible out-of-pocket expenses.

There are three types of FSAs that you can choose from: Health Care FSA, Limited Purpose FSA, and Dependent Care FSA.
Your FSA paycheck deductions are tax-free, which may help reduce your taxable income.
If you enroll in a Health Care or Limited Purpose FSA, you will receive a debit card from HealthEquity to use when paying for eligible expenses.

FSA-Eligible Expenses

To help you determine what you can pay for with your FSA, you can search a list of eligible expenses and use the store locator to find merchants that offer FSA-eligible items.

Health Care FSA (HCFSA) List of Eligible Expenses available when enrolled in a Basic PPO, Enhanced PPO, 360 Protect Plan, Kaiser, or not enrolled in a medical plan.
Limited Purpose FSA (LPFSA) List of Eligible Expenses available when enrolled in Choice HSA plan.
Dependent Care FSA (DCFSA) List of Eligible Expenses no requirement to be enrolled in a medical plan.

Contact Your Provider

HealthEquity

FSA & HSA

HSA: 866-346-5800
FSA: 877-924-3967

Types of FSAs: Comparing Your Options

Use the information below to help you decide which type of FSA is right for you. Health Equity also offers guides for Comparing FSA Options and Things to Know About the FSA.

Note: If you are enrolled in an HSA medical plan, you may also enroll in a Limited Purpose FSA (LPFSA) for eligible dental and vision expenses.



Health Care FSA

Your Title Goes Here

How it Works

How much can I contribute?

$100 minimum
$3,400 maximum

How do I access and use the FSA money?

You will receive a debit card to use for eligible expenses. Funds are immediately available in January 2026, If you enroll in an FSA during the calendar year, funds will be available within 2-3 weeks of your effective date in the plan.

Who can enroll in an FSA?

If you are enrolled in the Basic PPO Plan, Enhanced PPO Plan, 360 Protect Plan, Kaiser, or even if you do not elect to enroll in a Michaels medical plan, you can use the money to pay for eligible medical, prescription drug, dental, and vision expenses.

This applies to:

You
Any dependents you claim on your federal tax return
Your children under age 26, even when they are not covered by a Michaels benefit plan

Under IRS rules, expenses for domestic partners cannot be paid from an FSA.

Dates & Deadlines

You can incur expenses until Dec. 31 of the current plan year.
You have until March 31 of the following plan year to submit any reimbursement claims for expenses not previously reimbursed.

Health Care FSA Guide



Limited Purpose FSA

The Limited Purpose FSA (LPFSA) can be used to pay for dental and vision expenses only. It is compatible with a health savings account (HSA).

Your Title Goes Here

How it Works

How much can I contribute?

$100 minimum
$3,400 maximum

How do I access and use the LPFSA money?

You will receive a debit card from HealthEquity to use for eligible expenses. Funds are immediately available in January 2026. If you enroll in an FSA during the calendar year, funds will be available within 2-3 weeks of your effective date in the plan.

Who can use the LPFSA money?

If you are enrolled in the Michaels Choice HSA medical plan, you may use the Limited Purpose FSA.

You can use your LPFSA to pay for eligible dental and vision care expenses.
By using your LPFSA to pay for routine dental and vision expenses, you can avoid tapping into your HSA for these expenses allowing you to let your HSA savings continue to grow. You can then use your HSA for larger, unexpected medical expenses, or save it for healthcare costs in retirement.

This applies to:

You
Any dependents you claim on your federal tax return
Your children under age 26, even if they are not covered by a Michaels benefit plan

Under IRS rules, expenses for domestic partners cannot be paid from an LPFSA.

Dates & Deadlines

You can incur expenses until Dec. 31 of the current plan year.
You have until March 31 of the following plan year to submit any reimbursement claims for expenses not previously reimbursed.

Limited Purpose FSA Guide



Dependent Care FSA

The Dependent Care FSA (DCFSA) can be used to pay for dependent care for eligible children under age 13 and for adult dependents who are physically or mentally incapable of self-care.

Your Title Goes Here

How it Works

How much can I contribute?

$100 minimum
$7,500 maximum (or $3,750 maximum if married but filing separately from your spouse)

How do I access and use the Dependent Care FSA money?

You submit claims for reimbursements directly to HealthEquity. Funds are available after contributions to your DCFSA have been made from your paycheck.

How can I use the Dependent Care FSA money?

You do not need to be enrolled in a Michaels medical plan to participate.

You can use the Dependent Care FSA for dependent care expenses incurred with certain care providers, allowing you and your spouse to work.

This includes:

Nursery schools
Licensed day care centers (including adult day care facilities and centers for disabled dependents)
In-home day care providers
Before- and after-school care (if not already included in tuition)
Summer day camp, but not overnight camp

Who are eligible dependents to use with a DCFSA?

You can use the money to pay for eligible dependent care expenses for:

Children under age 13 you claim on your federal tax return as dependents (or for whom you are the custodial parent if divorced, regardless of who claims the tax exemption).
Your spouse or other tax dependent (regardless of age) who is mentally or physically incapable of self-care. This person must live with you for more than half the year.

Under IRS rules, expenses for domestic partners cannot be paid from a Dependent Care FSA.

Dates & Deadlines

DCFSA is an annual use-it-or-lose-it account, therefore all expenses must be incurred in the current plan year and submitted for reimbursement prior to March 31 of the following year.
Any unused funds are forfeited.

Dependent Care FSA Guide

Member Resources

Keep Your Receipts!

HealthEquity has various ways in which they verify FSA card transactions: some do not require a receipt for substantiation, while other times a receipt is required.

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When You Don’t Need a Receipt

IIAS store or pharmacy purchases (the IIAS is a required approval system the IRS requires to list all merchants who sell goods that have FSA-eligible items; find more information at seg-is.org)
Prescription or eligible over-the-counter (OTC) purchases
Copays
Flat copay amounts at a doctor, dentist, vision provider, or hospital where said flat copays were provided
Recurring transactions
Payment made at the same location and for the same dollar amount as a prior payment for which the receipt was already approved by Health Equity at least once

When a Receipt May Be Required

Doctor’s office, hospital, dentist, or vision provider where the health plan has a deductible or coinsurance amount
Coinsurance and deductibles (assuming carrier files, if applicable, are unable to exactly substantiate the expense)
Purchases at 90% pharmacies
An odd dollar amount that does not match one of the flat copay amounts provided

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Filing Claims for Reimbursement

When you do not use your debit card and need to file for an FSA reimbursement for eligible expenses, claims can be filed online, via fax, or via US mail. Claims will be processed within two (2) business days after receipt. To check the status of your claim, log in to your account.

File Claims Online

For faster service, file your claim online. Simply log in to your account to submit your claim electronically and upload any required documentation.

File Claims via Fax or US Mail

Claims can be submitted via fax or US mail. First, download and fill out the Reimbursement Claim Form. Then, print and send the completed form and any required documentation as follows:

Fax: 877-353-9236
US Mail: CLAIMS ADMINISTRATOR, P.O. Box 14053, Lexington, KY, 40512

Flexible Spending Accounts (FSA)

This benefit is not available to Part-Time, Seasonal, or Temporary Team Members.

This page provides information about choosing and managing your FSA, identifying eligible expenses, and how to file claims for reimbursement. More FSA resources can be accessed at HealthEquity.com.

What is an FSA?

A flexible spending account (FSA), administered by HealthEquity, allows you to set aside tax-free money to help pay for eligible out-of-pocket expenses.

There are three types of FSAs that you can choose from: Health Care FSA, Limited Purpose FSA, and Dependent Care FSA.
Your FSA paycheck deductions are tax-free, which may help reduce your taxable income.
If you enroll in a Health Care or Limited Purpose FSA, you will receive a debit card from Health Equity to use when paying for eligible expenses.

FSA-Eligible Expenses

To help you determine what you can pay for with your FSA, you can search a list of eligible expenses and use the store locator to find merchants that offer FSA-eligible items.

Search the Store Locator for FSA-Eligible Items

Keep a copy of your receipts! Health Equity has various ways in which they verify FSA card transactions: some do not require a receipt for substantiation, while other times a receipt is required.

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When You Don't Need a Receipt

IIAS store or pharmacy purchases (the IIAS is a required approval system the IRS requires to list all merchants who sell goods that have FSA-eligible items; find more information at seg-is.org)
Prescription or eligible over-the-counter (OTC) purchases
Copays
Flat copay amounts at a doctor, dentist, vision provider, or hospital where said flat copays were provided
Recurring transactions
Payment made at the same location and for the same dollar amount as a prior payment for which the receipt was already approved by Health Equity at least once

When a Receipt May Be Required

Doctor’s office, hospital, dentist, or vision provider where the health plan has a deductible or coinsurance amount
Coinsurance and deductibles (assuming carrier files, if applicable, are unable to exactly substantiate the expense)
Purchases at 90% pharmacies
An odd dollar amount that does not match one of the flat copay amounts provided

Member Resources

Contact Your Provider

HealthEquity

FSA & HSA

HSA: 866-346-5800
FSA: 877-924-3967

Search the Store Locator for FSA-Eligible Items

Return to Top

Filing Claims for Reimbursement

File Claims Online

For faster service, file your claim online. Simply log in to your account to submit your claim electronically and upload any required documentation.

File Claims via Fax or US Mail

Claims can be submitted via fax or US mail. First, download and fill out the Reimbursement Claim Form. Then, print and send the completed form and any required documentation as follows:

Fax: 877-353-9236
US Mail: CLAIMS ADMINISTRATOR, P.O. Box 14053, Lexington, KY, 40512

Search the Store Locator for FSA-Eligible Items

Return to Top

Types of FSAs: Comparing Your Options

Use the information below to help you decide which type of FSA is right for you. Health Equity also offers guides for Comparing FSA Options and Things to Know About the FSA.

Note: If you are enrolled in an HSA medical plan, you may also enroll in a Limited Purpose FSA (LPFSA) for eligible dental and vision expenses.



Health Care FSA

The Health Care FSA (HCFSA) can be used to pay for eligible medical, prescription drug, dental, and vision expenses and other expenses not covered by your insurance, such as some over-the-counter medicines. Team Members enrolled in a Michaels PPO plan or no medical plan may participate in a HCFSA.

Your Title Goes Here

How it Works

How much can I contribute?

$100 minimum
$3,400 maximum

How do I access and use the FSA money?

Who can enroll in an FSA?

If you are enrolled in the Basic PPO Plan or Enhanced PPO Plan, or even if you do not elect to enroll in a Michaels medical plan, you can use the money to pay for eligible medical, prescription drug, dental, and vision expenses.

This applies to:

Yourself
Any dependents you claim on your federal tax return
Your children under age 26, even when they are not covered by a Michaels benefit plan

Under IRS rules, expenses for domestic partners cannot be paid from an FSA.

Dates & Deadlines

You can incur expenses until Dec. 31 of the current plan year.
You have until March 31 of the following plan year to submit any reimbursement claims for expenses not previously reimbursed.

Health Care FSA Guide



Limited Purpose FSA

The Limited Purpose FSA (LPFSA) can be used to pay for dental and vision expenses only.

Your Title Goes Here

How it Works

How much can I contribute?

$100 minimum
$3,400 maximum

How do I access and use the LPFSA money?

You will receive a debit card from Health Equity to use for eligible expenses. Funds are immediately available in January 2026. If you enroll in an FSA during the calendar year, funds will be available within 2-3 weeks of your effective date in the plan.

Who can use the LPFSA money?

If you are enrolled in the Michaels Choice HSA medical plan, you may use the Limited Purpose FSA.

You can use your LPFSA to pay for eligible dental and vision care expenses.
By using your LPFSA to pay for routine dental and vision expenses, you can avoid tapping into your HSA for these expenses allowing you to let your HSA savings continue to grow. You can then use your HSA for larger, unexpected medical expenses, or save it for healthcare costs in retirement.

This applies to:

Yourself
Any dependents you claim on your federal tax return
Your children under age 26, even if they are not covered by a Michaels benefit plan

Under IRS rules, expenses for domestic partners cannot be paid from an LPFSA.

Dates & Deadlines

You can incur expenses until Dec. 31 of the current plan year.
You have until March 31 of the following plan year to submit any reimbursement claims for expenses not previously reimbursed.

Limited Purpose FSA Guide



Dependent Care FSA

The Dependent Care FSA (DCFSA) can be used to pay for dependent care for eligible children under age 13 and for adult dependents who are physically or mentally incapable of self-care.

Your Title Goes Here

How it Works

How much can I contribute?

$100 minimum
$7,500 maximum (or $3,750 maximum if married but filing separately from your spouse)

How do I access and use the Dependent Care FSA money?

You submit claims for reimbursements directly to Health Equity. Funds are available after contributions to your DCFSA have been made from your paycheck.

How can I use the Dependent Care FSA money?

You can use the Dependent Care FSA for dependent care expenses incurred with certain care providers, allowing you and your spouse to work.

This includes:

Nursery schools
Licensed day care centers (including adult day care facilities and centers for disabled dependents)
In-home day care providers
Before- and after-school care (if not already included in tuition)
Summer day camp, but not overnight camp

Who are eligible dependents to use with a DCFSA?

You can use the money to pay for eligible dependent care expenses for:

Children under age 13 you claim on your federal tax return as dependents (or for whom you are the custodial parent if divorced, regardless of who claims the tax exemption).
Your spouse or other tax dependent (regardless of age) who is mentally or physically incapable of self-care. This person must live with you for more than half the year.

Under IRS rules, expenses for domestic partners cannot be paid from a Dependent Care FSA.

Dates & Deadlines

DCFSA is an annual use-it-or-lose-it account, therefore all expenses must be incurred in the current plan year and submitted for reimbursement prior to March 31 of the following year.
Any unused funds are forfeited.

Dependent Care FSA Guide

Search the Store Locator for FSA-Eligible Items

Return to Top