Your
2026 benefits
getting started
Continuing care and
prescriptions
If you have upcoming or ongoing medical care or prescription needs, support is available to help you understand your options and navigate Transition of Care, Continuity of Care for serious or complex conditions, active prior prescription authorizations,
and any step therapy requirements. Use the links below to get started:
benefit plan details
Plans at a glance.
Some plans cost more each month but cover more when you need care—others have lower monthly costs but you’ll pay more out of pocket when you use them. Have a look.
explore plans
2026 Medical Plan Overview
Compare plans side by side—see what they cover, what they cost, and what sets them apart.
Plan overview
Higher paycheck contributions, less when you seek care
A balance of cost for care and paycheck contributions
Lower paycheck contributions, fixed costs for visits
Plan style
The type of medical insurance plan, such as PPO, HDHP, or HMO, which determines provider access and cost-sharing rules.
PPO
CDHP with HSA
PPO
Spending accounts
Tax-advantaged accounts to set aside pre-tax dollars for medical needs, including:
Flexible Spending Account (FSA) - for eligible healthcare or dependent care expenses. HSA (Health Savings Account) - for qualified medical expenses if enrolled in an HDHP.
HSA (Health Savings Account) - for qualified medical expenses if enrolled in an HDHP. HRA (Health Reimbursement Arrangement) - an employer-funded account that reimburses you for qualified medical expenses.
Limited Purpose FSA (LPFSA) - can be used alongside an HSA (limited to covering eligible dental and vision expenses.)
Flexible Spending Account (FSA) - for eligible healthcare or dependent care expenses. HSA (Health Savings Account) - for qualified medical expenses if enrolled in an HDHP.
HSA (Health Savings Account) - for qualified medical expenses if enrolled in an HDHP. HRA (Health Reimbursement Arrangement) - an employer-funded account that reimburses you for qualified medical expenses.
Limited Purpose FSA (LPFSA) - can be used alongside an HSA (limited to covering eligible dental and vision expenses.)
FSA
HSA (associate funded) and Limited Purpose FSA
HRA (Rich’s funded) and FSA
Deductible
The amount you pay out-of-pocket for covered services before your plan starts sharing costs. An embedded deductible means that each person on the family plan only needs to meet their own individual deductible before the insurance starts covering their costs – even if the family deductible hasn’t been met yet.
In-network (individual/ family)
$500/ $1,000
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$2,000/ $4,000
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$6,500/ $13,000
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Annual OOP max
The most you’ll pay in a plan year for covered services, including deductibles, copays, and coinsurance. After reaching this limit, the plan pays 100% of in-network covered costs.
In-network (individual/ family)
$2,000/ $4,000
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$4,500/ $9,000
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$6,500/ $13,000
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In-network benefits
Preventive care
Routine health services, like checkups and screenings, aimed at preventing illness, usually covered at 100% in-network.
In-network
Covered at 100%
(no deductible)
(no deductible)
Covered at 100%
(no deductible)
(no deductible)
Covered at 100%
(no deductible)
(no deductible)
Co-insurance
The percentage of costs you pay for a covered health service after you’ve met your deductible.
In-network
20% after deductible
20% after deductible
20%
Office visit PCP
A scheduled appointment with a primary care provider or specialist for diagnosis or treatment
$25
20% after deductible
$50
Emergency room
Care provided in a hospital ER for sudden, serious medical conditions.
$200
20% after deductible
20% not subject to deductible
Telemedicine PCP
Use of phone, video, or online tools to connect with a doctor or healthcare provider for diagnosis, treatment, or advice without having to visit in person.
$25
20% not subject to deductible
$50
Urgent care
Immediate treatment for non-life-threatening conditions when your regular doctor isn’t available.
$50
20% after deductible
$100
Inpatient hospital care
Services provided when you’re admitted to a hospital for overnight care.
20% after deductible
20% after deductible
20%
Prescription drug coverage | 31-day retail supply listed below, 90-day mail order also available**
Generic
Lower-cost medications that contain the same active ingredients as brand-name drugs.
$12
20% after deductible
$12
Preferred brand
Brand-name drugs on your plan’s preferred list, typically costing more than generics but less than non-preferred brands.
20% up to $60
20% after deductible
20% up to $60
Non-preferred brand
Brand-name drugs not on your plan’s preferred list, usually at the highest cost for brand-name prescriptions.
20% up to $120
20% after deductible
20% up to $120
Speciality
High-cost medications, often for complex conditions, that may require special handling or administration.
20% up to $200
20% after deductible
20% up to $200
* Associates enrolling in this plan will receive an employer-paid Critical Illness benefit from MetLife.
**90-day mail order out-of-pocket amounts can be found through ExpressScripts by Evernorth (ESI). Specialty medications not covered by mail order.
*** Kaiser (CA only) plan designs have slight variations from the plans outlined above. Click here for more information.
**90-day mail order out-of-pocket amounts can be found through ExpressScripts by Evernorth (ESI). Specialty medications not covered by mail order.
*** Kaiser (CA only) plan designs have slight variations from the plans outlined above. Click here for more information.
2026 Dental Plan Overview
Basic
Enhanced
Annual Deductible
Individual
$100
$50
Family
$300
$150
Annual Maximum
$1,000
$2,500
Preventive Services
Routine checkups and cleanings that help keep your teeth and gums healthy. Think exams, cleanings, and X-rays.
100%
100%
Deductible Waived?
Normally you pay a deductible before insurance kicks in, but when the deductible is waived, your plan starts paying right away for certain services (often preventive care).
Yes
Yes
Basic Services
These are common dental treatments beyond cleanings—like fillings or simple tooth extractions.
80%
80%
Major Services
These are bigger dental treatments, such as crowns, bridges, or dentures.
60%
80%
Endodontics
This is dental care for the inside of your tooth, such as root canal treatments.
80%
80%
Periodontics
This covers treatment for your gums and the bone that supports your teeth, such as gum disease care or surgery.
80%
80%
Implant Coverage
Dental implants are a permanent way to replace missing teeth.
60%
80%
Missing Tooth Exclusion
Coverage for replacing teeth already missing before you enrolled.
Yes
Yes
Benefit Specific Waiting Periods
None
None
Orthodontia Services
These are treatments like braces or clear aligners that straighten teeth and correct bites.
Not covered
50%
Eligible Members
The most you’ll pay in a plan year for covered services, including deductibles, copays, and coinsurance. After reaching this limit, the plan pays 100% of in-network covered costs.
N/A
Adult and child
Lifetime Maximum
The most you’ll pay in a plan year for covered services, including deductibles, copays, and coinsurance. After reaching this limit, the plan pays 100% of in-network covered costs.
N/A
$2,000
Out of Network Reimbursement
If you see an out-of-network dentist, the dental plan will pay based on the 70th percentile. That means the plan covers costs up to the amount that 70% of dentists in your area charge for the same service. If your dentist charges more, you may have to pay the difference.
70th
70th
2026 Vision Plan Overview
Basic
Enhanced
Network
Superior
Superior
Frequency (Exams / Lenses / Frames / Contacts)
How often you can use your vision benefit.
12 months / 12 months / 12 months
12 months / 12 months / 12 months
Exam
$20 copay
$10 copay
Materials Copay
A set fee you pay when you get glasses or contacts. It’s like your share of the cost for the “materials.”
$20 copay
$10 copay
Lens Type
Single
100%
100%
Bifocal
Eyeglass lenses that have two vision zones—one for seeing up close and one for seeing far away.
100%
100%
Trifocal
Lenses with three vision zones: near, intermediate (like computer distance), and far.
100%
100%
Lenticular
Special lenses that make objects appear larger.
100%
100%
Frames
Retail Allowance
The dollar amount your plan contributes toward glasses or contacts. If you pick something more expensive, you pay the difference.
$130 Allowance
$200 Allowance
Contact Lenses
Elective
The dollar amount your plan contributes if you don’t have a medical need for contacts.
$130 Allowance
$200 Allowance
Medically Necessary
How your plan covers contacts for vision correction when you need them.
Covered in full
Covered in full
Fitting and Evaluation
Extra steps your eye doctor takes to measure your eyes and ensure contact lenses fit comfortably and safely.
$20 Copay
$20 Copay
LASIK - Discount Allowance
A laser surgery that reshapes the cornea to improve vision.
Savings of 20% - 35% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers.
Savings of 20% - 35% off the national average price of traditional LASIK are available at over 1,000 locations across our nationwide network of laser vision correction providers.
2026 costs per paycheck
Ready to crunch the numbers? Choose from the drop-down menus below to compare your medical, dental and vision costs for 2026.
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Medical Dental Vision Rates - Core - All Other Locations - Under 50K - Weekly.pdf
Weekly
0 - $49,999
All other locations
Medical Dental Vision Rates - Core - All other - Over 50k - Bi-weekly.pdf
Bi-weekly
$50,000 and above
All other locations
Medical Dental Vision Rates - Core - All Other Locations - Over 50K - Weekly.pdf
Weekly
$50,000 and above
All other locations
Medical Dental Vision Rates - Core - All Other Locations - Under 50K - Biweekly.pdf
Bi-weekly
0 - $49,999
All other locations
Medical Dental Vision Rates - Core Part-time - Biweekly.pdf
Bi-weekly
$50,000 and above
Core - Part time
Medical Dental Vision Rates - Naturals Baseball - Biweekly.pdf
Bi-weekly
$50,000 and above
Naturals Baseball
Medical Dental Vision Rates - Naturals Baseball - Weekly.pdf
Weekly
$50,000 and above
Naturals Baseball
Medical Dental Vision Rates - Florida Restaurant Group - Biweekly.pdf
Bi-weekly
$50,000 and above
Florida Restaurant Group
Medical Dental Vision Rates - Florida Restaurant Group - Weekly.pdf
Weekly
0 - $49,999
Florida Restaurant Group
Medical Dental Vision Rates - Florida Restaurant Group - Biweekly.pdf
Bi-weekly
0 - $49,999
Florida Restaurant Group
Medical Dental Vision Rates - Florida Restaurant Group - Weekly.pdf
Weekly
$50,000 and above
Florida Restaurant Group
Medical Dental Vision Rates - Arlington Union - Bi-weekly.pdf
Bi-weekly
$50,000 and above
Arlington - Union
There is no PDF for this selection
Benefits of the BlueCard® Suitcase
Collective Health has everything you need when it comes to understanding the benefits of your Highmark BCBS ID Card. The suitcase symbol means you have access to doctors and hospitals nationwide, all within the Blue Cross Blue Shield network.
To find in-network providers:
- Register or log in at my.collectivehealth.com
- Select the “Get Care” tab at the top of the page, where you can access the most up-to-date network and provider information for your plan.
WELLBEING
Take care of your body, mind, and wallet
Wellbeing is about feeling your best today and preparing for the future. This year, Rich’s makes it easier than ever to focus on the areas that matter most, while earning rewards and support along the way.
HELP AND SUPPORT
We’re here to help.
Can’t find what you need? Visit our Help Center for FAQs, guides, and more, or click the button below to explore benefits beyond medical, dental and vision.
