Here you’ll find a list of frequently asked questions and answers about the medical plans.
All of Albertsons Companies’ medical plans cover the same kinds of core services, but they might offer coverage in different ways. Some plans cost more in premiums, but you pay less when you receive care. Other plans cost less in premiums, but you pay more when you receive care. When choosing a medical plan, consider which is more important to you – paying less per paycheck, or paying less when you see the doctor? Some plans also offer access to a Health Savings Account (HSA), a tax-advantaged account that can help you save money on healthcare. Some plans allow you to see any provider, and some restrict you to a specific provider network except in case of emergency. Make sure to check if your doctors are in the network of the plan you choose if staying with your same doctor is important to you.
You can get started reviewing plan information on the Medical page, and you can review and compare all your plan options in your Benefits Guide by going to myACI.albertsons.com > Benefits Resources tile.
Want some help choosing a plan? Try ALEX, your online benefits counselor. ALEX explains your options in simple language and recommends a plan for you based on your specific situation. Access ALEX by going to myACI.albertsons.com > Benefits Resources tile.
If you enroll in a Blue Cross of Idaho (BCI) medical plan, you can find in-network providers in your area on the BCI website.
- Go to bcidaho.com/albertsons-providers
- Click on Search Providers
- Under Just Browsing, click Continue
- Enter your ZIP code and press Continue
- Click on the network dropdown list and select the name of the medical plan whose network you want to search, then click Continue to find providers in your area.
If you are enrolled or considering enrolling in a regional medical plan, visit that plan carrier’s website to use their provider search tool.
PPO stands for Preferred Provider Organization. With a PPO medical plan, you can use both in-network and out-of-network providers without a referral, but staying in-network will almost always cost less.
HSA stands for Health Savings Account. The HSA medical plan uses a PPO which means you can use both in-network and out-of-network providers without a referral, but staying in-network will almost always cost less. To help with your share of costs, the HSA plan gives you the option to participate in a Health Savings Account (HSA), a tax-free account you can use for healthcare expenses.
EPO stands for Exclusive Provider Organization. An EPO medical plan covers you when you use in-network doctors and facilities. Except in the case of an emergency, you’ll pay the full price for any out-of-network care.
HMO stands for Health Maintenance Organization. An HMO covers you when you use doctors and facilities in the HMO network. Except in the case of an emergency, you’ll pay the full price for any care you receive from a non-HMO provider.
You can see your per-paycheck cost for all of your medical plan options by viewing your rate sheet at myACI.albertsons.com > Benefits Resources tile.
After you enroll for the first time, your medical plan carrier will mail you a medical ID card to your home address. If you lose your ID card or need a second one, you can request a physical one or access a digital one by signing in to your medical plan carrier’s website. You can also request a new ID card by calling your carrier.
If you choose to cover a spouse or domestic partner who has access to medical coverage through his or her employer, you will be charged an additional spousal surcharge each week. You will not pay a surcharge if your spouse or domestic partner:
- Does not work
- Is an Albertsons associate
- Is eligible for Medicare
- Is employed but does not have access to employer-provided medical coverage
- Is self-employed
Access your benefits guide at myACI.albertsons.com > Benefits Resources tile for details on the surcharge.
In addition to general medical services, Teladoc providers are available to help care for your mental/emotional health, dermatology and nutrition needs. Learn more here.
Through Teladoc, you can meet with a therapist or psychiatrist via video visit for the cost of a $20 copay (HSA plan members will pay the full cost of visit until they meet their deductible and the copay applies).
You can also take advantage of Teladoc Mental Health Digital, formerly known as myStrength. Teladoc Mental Health Digital is designed to help with life’s challenges by supporting positive changes and improving your overall well-being. You can access guided programs and tools at any time, 24/7, to get help managing anxiety and depression and dealing with life events – and it’s free to use via the Teladoc app.
All Company benefits-eligible Albertsons Companies associates have access to medical plan options through Blue Cross of Idaho. Depending on where you live, you may be eligible for one or more regional medical plans through Kaiser Permanente, SelectHealth, Blue Cross Blue Shield of Illinois, or HMSA. Access your benefits guide at myACI.albertsons.com > Benefits Resources tile to see all the plans available to you.
Because you and your dependents must enroll in the same option, you may want to consider enrolling in a plan that is not an EPO or HMO plan. These plans require members to use a specific provider network and do not cover care from providers outside of the network, except in an emergency. EPO and HMO plan networks are sometimes defined based on your location, so a PPO or HSA plan might be a better choice if you have dependents living in different states.
If you’re enrolled in a BCI medical plan, Transcarent is your dedicated partner for spine, knee, hip, shoulder and bariatric surgeries. Let Transcarent take care of the details and get you the result you want—all at little-to-no-cost to you. you’ll have access to the country’s best surgeons in the top facilities who specialize in treating your specific condition. High quality care saves everyone money in the long run, including you! You’re even given a dedicated Care Coordinator who will support you throughout the entire process, so you don’t need to worry about anything except getting better. Plus, if you’re enrolled in the PPO or EPO plans, when you receive surgery through Transcarent, the cost is fully covered by the program, even if you haven’t met your deductible yet. If you’re enrolled in the HSA plan, the cost is fully covered once you meet your deductible. Learn more about Transcarent.
As of Enero 1, 2024, specific spine, knee, hip, shoulder, or bariatric surgery may only be covered when accessed through Transcarent. Some exceptions apply for members in Boise, ID and Lubbock TX where we are still developing our best-in-class provider network. If you have questions, please contact a Transcarent Care Coordinator. If you do not schedule your surgery with Transcarent (or obtain a waiver for members in Lubbock, TX), your medical plan will not cover the cost of your surgery.
You can also take advantage of the Transcarent benefits for other covered conditions and services, although you are not required to for surgeries not listed above. Using Transcarent’s top-rated facilities for non-emergency surgeries will save money while you receive expert-led medical care. In addition to covering the cost of surgery, travel benefits for you and a companion may be available when you need to travel more than 100 miles for care.
Coste: Con Transcarent, los miembros de EPO y PPO pagan $0 por cualquier procedimiento quirúrgico designado. Según las normas del IRS, los afiliados a la HSA deben alcanzar primero la franquicia anual. Además, los gastos de viaje para usted y un acompañante estarán cubiertos si un cirujano local no es una opción, y se requiere viajar más de 100 millas.
Experiencia: Su Coordinador de Cuidados especializado está ahí para ayudarle a encontrar el proveedor quirúrgico adecuado, programar su cirugía, entender sus beneficios y gestionar la facturación y el papeleo.
Calidad: Transcarent toma medidas especiales para garantizar que la atención que recibe es la atención en la que puede confiar, seleccionando cuidadosamente a los socios quirúrgicos porque cumplen o superan los estándares de calidad y se encuentran entre los mejor clasificados del país.
Acceso: Reciba acceso rápido a centros y cirujanos de primera categoría especializados en su procedimiento.
AccessHope provides associates enrolled in a Blue Cross of Idaho medical plan with confidential, cancer support services at no cost when you access the benefit. If you or an eligible family member is diagnosed with cancer, AccessHope connects you and your local treating oncologist to specialized experts at world-renowned National Cancer Institute (NCI)-designated comprehensive cancer centers. Learn more about AccessHope.
AccessHope is a unique benefit in that the program is available to more than just your immediate dependents. Eligible family members include your spouse/domestic partner, children (under and over age 26), parents, parents-in-law, grandparents, grandparents-in-law and siblings.
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