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.
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