Human Resources, RNA US Benefit Department

In-Network	You Pay
Deductible (Ind / Family)	$50 / $150 (basic and major)
Preventive	0% (plan pays 100%), no deductible
Basic Restorative	10% after deductible
Major Restorative	40% after deductible
Annual Maximum	$2,000 per person (plus Preventive Rewards)
Orthodontia	50% to $1,500 lifetime (children and adults)

Plan	Employee only	Employee + 1	Employee + 2 or more
Bi-weekly	$5.34	$10.89	$15.36
Weekly	$2.67	$5.45	$7.68

In-Network	Core	Buy-Up
Exam	$10 copay, once every 12 months	$10 copay, once every 12 months
Lenses (per pair)	Covered in full, every 24 months	Covered in full, every 12 months
Frames	Up to $105 allowance, every 24 months	Up to $180 allowance, every 12 months
Elective Contact Lenses	Up to $105 allowance, every 24 months	Up to $150 allowance, every 12 months
Extra savings	40% off an extra pair of glasses; 20% off non-covered items	40% off an extra pair of glasses; 20% off non-covered items

Plan	Employee only	Employee + 1	Employee + 2 or more
Core bi-weekly /weekly	$0.00 / $0.00	$0.00 / $0.00	$0.00 / $0.00
Buy-Up bi-weekly	$2.33	$3.30	$5.93
Buy-Up weekly	$1.17	$1.65	$2.97

Plan Feature	Company Paid
Elimination Period	Benefits begin on day 8
Benefit Calculation	60% of weekly earnings
Maximum Benefit	$1,500 per week
Maximum Duration	26 weeks

Plan Feature	Company Paid
Elimination Period	180 days
Benefit Duration	To Social Security normal retirement age
Benefit Amount	60% of monthly earnings
Maximum Benefit	$15,000/month

Benefit	Coverage
Benefit Amount	2x annual base salary
Maximum	$750,000
Cost to You	None

Who	Coverage Options
Employee	Life: 1–5x pay, up to $750,000. AD&D: 1–10x pay, up to $750,000
Spouse/Partner	Life: $5,000 increments up to $150,000. AD&D: 60% of employee amount (50% with children)
Children	Life: $10,000, $15,000 or $20,000. AD&D: 20% of employee amount (15% with spouse)

Company Match	100% of your eligible contributions up to 4%
Eligibility	First day of the calendar month following 30 days of employment
Auto-Enrollment	4% pre-tax, increasing 1% each year to 10%
Your Contributions and Match	100% vested immediately
Profit Sharing	Discretionary; 100% vested after three years of service

Tier	Accident bi-weekly / weekly	HI Low bi-weekly / weekly	HI High bi-weekly / weekly
EE only	$4.47 / $2.23	$5.11 / $2.56	$9.16 / $4.58
EE + spouse	$7.71 / $3.86	$9.67 / $4.83	$17.48 / $8.74
EE + children	$9.00 / $4.50	$9.67 / $4.83	$17.48 / $8.74
Family	$13.54 / $6.77	$14.22 / $7.11	$25.81 / $12.90

Age	$10,000	$20,000	$30,000	$40,000
Under 25	$1.29 / $0.65	$2.58 / $1.29	$3.88 / $1.94	$5.17 / $2.58
Age 25-29	$1.38 / $0.69	$2.77 / $1.38	$4.15 / $2.08	$5.54 / $2.77
Age 30-34	$1.94 / $0.97	$3.88 / $1.94	$5.82 / $2.91	$7.75 / $3.88
Age 35-39	$2.72 / $1.36	$5.45 / $2.72	$8.17 / $4.08	$10.89 / $5.45
Age 40-44	$3.69 / $1.85	$7.38 / $3.69	$11.08 / $5.54	$14.77 / $7.38
Age 45-49	$5.08 / $2.54	$10.15 / $5.08	$15.23 / $7.62	$20.31 / $10.15
Age 50-54	$7.20 / $3.60	$14.40 / $7.20	$21.60 / $10.80	$28.80 / $14.40
Age 55-59	$10.25 / $5.12	$20.49 / $10.25	$30.74 / $15.37	$40.98 / $20.49
Age 60-64	$13.98 / $6.99	$27.97 / $13.98	$41.95 / $20.98	$55.94 / $27.97
Age 65-69	$17.95 / $8.98	$35.91 / $17.95	$53.86 / $26.93	$71.82 / $35.91
Age 70-74	$23.49 / $11.75	$46.98 / $23.49	$70.48 / $35.24	$93.97 / $46.98
Age 75+	$23.49 / $11.75	$46.98 / $23.49	$70.48 / $35.24	$93.97 / $46.98

In-Network	You Pay
Deductible (Ind / Family) *	$1,300 / $2,600
Out-of-Pocket Max (Ind / Family)	$6,000 / $12,000
Primary Care / Specialist	$30 / $40
Urgent Care	No charge
Emergency Room	20% after deductible
Inpatient Hospitalization	20% after deductible
X-ray and Lab Tests	20% after deductible

Generic	$10 copay
Preferred Brand	$50 copay
Non-Preferred Brand	$90 copay
Mail order (90-day): Generic / Preferred / Non-Preferred	$20 / $100 / $180 copay

Tier	Wellness bi-weekly	Wellness weekly	Non-wellness bi-weekly	Non-wellness weekly
Employee only	$127.54	$63.77	$162.56	$81.28
Employee + 1	$269.59	$134.80	$342.52	$171.26
Employee + 2 or more	$384.98	$192.49	$487.80	$243.90

In-Network	You Pay
Deductible (Ind / Individual in a Family / Family) *	$2,000 / $3,400 / $4,000
Out-of-Pocket Max (Ind / Family)	$5,000 / $10,000
Primary Care / Specialist	20% after deductible
Emergency Room	$100 + 20% after deductible
Preventive Care	No charge
HSA Eligible	Yes

Generic	$10 copay
Preferred Brand	$25 copay
Non-Preferred Brand	$40 copay
Mail order (90-day): Generic / Preferred / Non-Preferred	$20 / $50 / $80 copay

Tier	Wellness bi-weekly	Wellness weekly	Non-wellness bi-weekly	Non-wellness weekly
Employee only	$84.30	$42.15	$99.39	$49.70
Employee + 1	$187.09	$93.54	$243.18	$121.59
Employee + 2 or more	$267.15	$133.58	$345.85	$172.92

In-Network	You Pay
Deductible (Ind / Family)	$0 / $0
Out-of-Pocket Max (Ind / Family)	$3,500 / $7,000
Primary Care / Specialist	$30 / $50
Emergency Room	$250 copay
Inpatient Hospitalization	$500 per day

Generic	$15 copay
Preferred Brand	$35 copay
Non-Preferred Brand	$35 copay

Tier	Wellness bi-weekly	Wellness weekly	Non-wellness bi-weekly	Non-wellness weekly
Employee only	$112.70	$56.35	$187.60	$93.80
Employee + 1	$195.81	$97.90	$328.17	$164.09
Employee + 2 or more	$276.07	$138.04	$475.11	$237.56

	Self-only / Self with dependents
2027 IRS Limit	$4,500 / $9,000
Catch-up (age 55 or older)	Additional $1,000

Healthcare FSA	Up to $3,500/yr (projected)
Dependent Care FSA	Up to $7,500/yr ($3,750 if married filing separately)
Carryover	Active employees can carry over up to $700 (Healthcare FSA)
Highly compensated employees	Restricted on their contributions

General Plan Design & Enrollment

What's Changing for 2027

What's actually changing on January 1, 2027?

We're moving to new benefits partners in a few areas. Your medical plans are moving to a new administrator, AmeriBen (the Anthem BlueCard PPO provider network is not changing), and pharmacy benefits are moving to Navitus. Dental, Accident, Hospital Indemnity and Critical Illness are moving to Sun Life, and Life, AD&D, Short- and Long-Term Disability and the Employee Assistance Program are moving from New York Life and Anthem to Sun Life. Pet insurance through Nationwide is a new voluntary benefit. Your HSA, FSA and 401(k) administrators are not changing.

Will there be information sessions or enrollment support?

Yes. We are hosting two live presentations: Wednesday, November 4 at 11:00 AM PST and Wednesday, November 11 at 9:00 AM PST. You can also call, text or email the BSH Human Resources, RNA US Benefit Department anytime.

Enrollment & Your Elections

When is Open Enrollment, and will my elections automatically roll over?

Open Enrollment for the 2027 plan year runs November 9 – November 20, 2026, for coverage effective January 1, 2027. Review and confirm your elections at bsh.bswift.com. You must re-elect your HSA contributions, Healthcare and/or Dependent Care FSA each year.

How do I enroll?

Log on to the BSH Employee Benefits portal at bsh.bswift.com, verify your personal information, add your dependents, select your benefits, choose your beneficiaries, then review, confirm and save your confirmation statement. You can revise your elections until Open Enrollment closes on November 20, 2026. Review, confirm and save an updated confirmation statement after making changes. See the “How to Enroll” section of the 2027 Benefit Guide for details.

When can I update my benefits selection and dependents?

If you are a new hire or newly benefits-eligible, you must enroll within 31 days of your hire (or eligibility) date. If you experience a qualifying life event (e.g., marriage, birth of a child, divorce), you generally have 31 days from the event to make changes consistent with the event, and you must provide supporting documentation. If you gain or lose Medicaid or CHIP coverage, you have 60 days. Otherwise, you can update your benefits once a year during Open Enrollment.

Accessing Plan Info

Where can I see the benefits plan information and employee cost for each plan?

The 2027 Benefit Guide and plan information are available at MyBSHbenefits.com and in the enrollment portal. The guide shows the plan summaries and your bi-weekly (and weekly) costs. Plan documents, Summaries of Benefits and Coverage and required notices are also available on MyBSHbenefits.com.

I'm having a log-in issue when I try to access the enrollment portal. Where can I report this?

Contact the BSH Human Resources, RNA US Benefit Department at (866) 324-8772, text (949) 297-2382, or email BSHService@cbcins.com.

Eligibility, Dependents & Domestic Partners

Who is eligible for BSH benefits?

Employees scheduled to work at least 20 hours per week are eligible for the Health & Welfare benefits in the guide. Leased employees are not eligible. Voluntary Life insurance requires at least 20 scheduled hours per week. Eligible dependents are your legally married spouse or domestic partner, children up to age 26, and disabled children with no age limit.

What are the requirements to designate a domestic partner?

You must complete a Declaration of Domestic Partnership before coverage is approved. Contact RNABenefitsMailbox@bshg.com to get the declaration and to discuss your situation.

Can I add my domestic partner as a dependent in my plan at any time?

Just like all other qualified dependents, you need a qualifying life event to add your domestic partner (within 31 days), or you can add them during annual Open Enrollment.

What does imputed income mean in relation to adding my domestic partner to my health plan?

Imputed income is the fair market value of a non-cash benefit that is added to your taxable wages. If you cover a domestic partner (or their child) on your medical, dental or vision plan, the IRS requires you to pay for that coverage with post-tax dollars and to pay tax on BSH's share of the cost, unless your partner is your tax dependent. California registered domestic partnerships have a state-tax exception. See the Taxes section of the guide.

If my spouse or child also works for BSH, can both of us enroll?

A person can be covered on a BSH plan as an employee or as a dependent, but not both. You also cannot be covered as an employee while your spouse covers you as a dependent in a BSH plan.

Coverage Basics

Are any covered services, exclusions, or benefit limits changing for 2027, beyond the carrier changes?

Your medical plan designs are carried forward for 2027. Refer to the 2027 Summary of Benefits and Coverage (SBC) for details.

Will preventive care continue to be covered at no cost?

Yes. In-network preventive care continues to be covered at no charge on your medical plans. Out-of-network preventive services are not covered.

Are referrals required to see a specialist?

The Traditional PPO and HDHP do not require referrals to see a specialist. The Kaiser HMO (California only) requires a referral from your Kaiser primary care physician.

Medical Plan

The AmeriBen Change

Is the medical network changing?

No. Your Traditional PPO and HDHP continue to use the Anthem National BlueCard PPO network, so your doctors, specialists, hospitals and facilities stay the same. What's changing is the plan administrator: AmeriBen replaces Anthem, and you'll receive a new ID card. The Kaiser HMO is for California employees only and is unchanged.

Who is AmeriBen?

AmeriBen administers your PPO and HDHP medical plans beginning January 1, 2027. They process your claims and provide member service. Your ID card will have the AmeriBen contact information.

Call: 844-353-0267

Do I need to check whether my doctor is in-network?

The Anthem National BlueCard PPO network will remain the same. Most employees should be able to continue seeing their current in-network providers, although we encourage you to verify participation before receiving services.

Costs & How Coverage Works

Does the plan include out-of-network coverage?

Yes. The Traditional PPO and HDHP continue to cover out-of-network providers at a higher cost to you. Refer to your SBC for details. Kaiser HMO members must use Kaiser providers except in an emergency.

Will my deductibles, copays, coinsurance, or out-of-pocket maximum change for 2027?

Plan designs are carried forward from 2026. For example, the Traditional PPO deductible is $1,300 individual / $2,600 family in-network, the HDHP deductible is $2,000 individual / $4,000 family, and Kaiser has no deductible.

What will I pay for medical coverage in 2027?

Your cost depends on your plan, coverage tier and wellness status. Wellness contributions are unchanged from 2026 and non-wellness contributions are higher. For example, Employee-only wellness is $127.54 bi-weekly ($63.77 weekly) for the Traditional PPO, $84.30 bi-weekly ($42.15 weekly) for the HDHP, and $112.70 bi-weekly ($56.35 weekly) for Kaiser. See the What's New page for every tier.

What is an "out-of-pocket maximum"?

The out-of-pocket (OOP) maximum is the most you will pay in a plan year before the plan begins to cover 100% of eligible in-network expenses. It includes your deductible, coinsurance, copays and other eligible expenses, but excludes your contributions and any non-covered expenses (e.g., balance-billing charges, penalties).

Comparing & Choosing a Plan

Where can I see a side-by-side comparison of BSH's medical plans?

The Benefit Guide and the What's New page show the Traditional PPO, the HDHP and the Kaiser HMO (California only) side by side. The enrollment portal also includes Ask Emma, a tool that estimates your total out-of-pocket cost for each medical plan based on how you expect to use care.

Are the in-network providers different between the Traditional PPO and the HDHP?

No, both plans use the same Anthem BlueCard PPO network and facilities.

Can I switch between medical plans if I experience a qualifying life event?

You may change your elections in a way consistent with the qualifying event (for example, adding a spouse after marriage).

Is the Kaiser HMO available to everyone?

No. The Kaiser HMO is for California employees only.

BSH Wellness Program

What is the BSH Wellness Program?

The Wellness Program is a voluntary, confidential program that lets you earn reduced medical premiums by completing two simple steps each Wellness Program year (October 1 through September 30): get an annual physical examination and complete a biometric screening / lipid panel / blood draw.

What if my doctor says I don't need a physical or screening, or I'm a Kaiser member?

Kaiser HMO participants must complete, sign and submit a Kaiser Wellness Affidavit to receive credit. If your medical provider deems an annual exam or screening unnecessary, complete the Wellness Plan Affidavit Exception form. Contact RNABenefitsMailbox@bshg.com to get either form, then upload it in the enrollment portal.

When do new hires get the wellness rate?

Newly eligible employees receive the discounted wellness rate for the plan year in which they become eligible. Employees whose eligibility date is on or after June 1 also receive it for the following plan year.

Medicare

Can I continue my medical coverage through BSH once I become Medicare eligible?

Yes, you can keep BSH medical coverage and enroll in Medicare at the same time; review the coordination of coverage details. If you are enrolled in the HDHP, you can no longer contribute to an HSA once you are enrolled in any part of Medicare.

Ongoing Care, Transition of Care & Continuity of Care

How Transition-of-Care Works

What should I do if I am currently receiving treatment?

Contact the BSH Human Resources, RNA US Benefit Department as soon as possible. Your providers are not changing, but your plan administrator is, so the sooner we hear from you, the more time we have to confirm your authorizations and care-management needs before your effective date.

Is transition-of-care or continuity-of-care assistance available?

Yes. The BSH Human Resources, RNA US Benefit Department can work with AmeriBen on your behalf to confirm that open authorizations, planned procedures and care-management services move over smoothly.

How does the process work?

Reach out before January 1: contact us by phone or text and let us know you're in active treatment or have a procedure coming up.
Share a few details: we'll ask about your condition, your current provider and where you are in your treatment plan. There's no paperwork required to start.
We follow it through: we work directly with AmeriBen on your behalf and follow up until it's resolved.

Who Qualifies

Who may benefit from transition-of-care support?

Common situations include pregnancy at any trimester, cancer treatment or a recent surgery, behavioral health or substance use treatment, ongoing treatment for a chronic condition, an already-approved planned procedure, and specialty or infused medications. If you're not sure whether your situation applies, reach out anyway; there's no wrong reason to ask.

What happens if I am pregnant during the transition?

Your care team does not change. Contact us as soon as possible so we can confirm any authorizations with AmeriBen, and use your new AmeriBen ID card for care beginning January 1.

What happens if I have a scheduled surgery, hospitalization, or procedure after the effective date?

Contact us before the transition date so we can confirm whether the procedure needs a new authorization with AmeriBen.

Existing Treatment & Case Management

Will an existing treatment plan need to be reviewed or approved again?

We will confirm this with AmeriBen for your specific situation.

Will existing case-management or care-management services transfer?

Contact the BSH Human Resources, RNA US Benefit Department so we can identify your case to AmeriBen's care management team.

Prior Authorizations & Referrals

Will existing medical prior authorizations transfer to AmeriBen?

We will confirm with AmeriBen whether your specific authorization carries over. Please contact us before you need the service so we can check.

What should I do if a previously authorized service is scheduled after the transition?

Contact the BSH Human Resources, RNA US Benefit Department before the transition date so we can confirm whether that authorization carries over or needs to be resubmitted to AmeriBen.

Who is responsible for requesting prior authorization, me or my provider?

In most cases, your provider's office submits the request on your behalf, but it's a good idea to confirm with your provider before your appointment.

What happens if authorization is not completed before I receive care?

Coverage may be reduced or delayed if a required authorization isn't in place. Contact us right away if this happens so we can help resolve it with AmeriBen.

Prescription / Pharmacy Plan

The Navitus Transition

Is the pharmacy benefit manager changing?

Yes, pharmacy benefits are moving to Navitus beginning January 1, 2027.

Will my current prescriptions still be covered?

Medications you already take are protected by a 90-day grandfathering period while you transition. Check the 2027 formulary once it's posted, or call us and we can help you look it up.

Will I receive a separate pharmacy ID card, or is it combined with my medical card?

No. Your pharmacy plan will be on the back of your medical ID card.

Checking Your Coverage

Is my current medication covered under the Navitus formulary?

Check the 2027 formulary once it's posted on MyBSHbenefits.com, or contact the BSH Human Resources, RNA US Benefit Department and we can help you look it up.

Is my current retail pharmacy in the Navitus network?

You'll be able to search participating pharmacies through Navitus once the site is live. If your pharmacy isn't in the network, you'll need to transfer your prescriptions to an in-network pharmacy; most pharmacies can do this for you with a quick phone call.

Will my active prescriptions transfer automatically to Navitus?

In most cases your current prescriptions should carry over without a new prescription. Present your new ID card when you pick up your first prescription in January.

Will existing pharmacy prior authorizations transfer to Navitus?

Yes existing prior authorizations will be transferred to Navitus.

Formulary Changes & Coverage Gaps

Will any medications require new prior authorization, step therapy, or quantity limits?

Some medications may be subject to different utilization rules under the Navitus formulary. Check the formulary or call us to confirm your specific medications.

What should I do if my medication is no longer covered or moves to a different tier?

Talk to your prescriber about formulary alternatives, and contact the BSH Human Resources, RNA US Benefit Department to understand your options and any appeal process.

Is there a transition-fill or temporary-supply program for medications not yet on the new formulary?

Yes, there is a 90-day grandfathering period. If your medication is not covered under the new formulary or will need to change, you can continue to fill your current medication during the grandfathering period while you and your doctor review options.

How can I avoid running out of medication during the transition?

Refill your prescriptions before the effective date where possible, use the 90-day grandfathering period, and contact us early if you take a specialty or maintenance medication.

Mail Order & Specialty Medications

Is the mail-order pharmacy changing, and will existing refills transfer?

Yes. The mail-order pharmacy will now be Costco Health Solutions. You will need to register and begin your mail-order prescriptions with the new vendor. You do not need a Costco membership to use the mail-order service.

I'm on a specialty medication; what happens to me?

Contact the BSH Human Resources, RNA US Benefit Department as soon as possible. Specialty medications often need extra coordination to avoid a gap in therapy during a transition.

Claims & Payments

Who Processes Your Claims

Which administrator will process claims for services received before the transition date?

Anthem will continue to process claims for dates of service before January 1, 2027, even if the claim is submitted afterward. Run-out will continue for 12-months. Please make sure historical claims are submitted.

Which administrator will process claims for services received on or after the transition date?

AmeriBen will process claims for any dates of service on or after January 1, 2027.

Will providers automatically submit claims to AmeriBen?

Most providers submit claims automatically once they have your new plan information. Once you receive your new medical ID card, send it to your providers' offices to update your record on file.

Resolving Claims Issues

What should I do if a claim is sent to the wrong administrator?

Contact the BSH Human Resources, RNA US Benefit Department; we can help redirect the claim to the correct administrator based on the date of service.

Will outstanding claims or appeals in progress transfer?

If you are not getting the attention you need on an outstanding claim or appeal, contact us and we will help escalate.

How do I submit a claim directly if a provider doesn't submit it for me?

You can submit a manual claim form directly to the applicable administrator; the BSH Human Resources, RNA US Benefit Department can send you the right form and mailing address.

Viewing Claims & EOBs

How can I view claims and explanations of benefits (EOBs)?

You can view claims within your AmeriBen member portal and the mobile app.

ID Cards & Online Access

Your New ID Cards

Will I get a new ID card?

Yes. With AmeriBen as your new medical administrator you will receive a new medical ID card. Your provider network is unchanged. Sun Life will provide information for your dental coverage. Other coverages with Sun Life do not have a card.

What should I do if my new card doesn't arrive before coverage begins?

Your coverage is active even if your physical card hasn't arrived. Contact the BSH Human Resources, RNA US Benefit Department and we can help you get an electronic copy.

Will my covered dependents receive separate ID cards?

No, dependents will not receive a separate ID card.

Should I continue using my current ID card until the effective date?

Yes, keep using your current Anthem card for any care received through December 31, 2026.

What information should I give my doctor or pharmacy about the change?

Once you receive it, give your provider's office and pharmacy your new AmeriBen member ID, group number and effective date so they can update their records.

Online & Mobile Access

Can I access a digital ID card?

Yes you can access the digital ID card after January 1st online with AmeriBen.

Member ID & Group Numbers

Will my member ID or group number change?

Yes. You will receive a new member ID and group number under AmeriBen. Your current Anthem ID remains valid for care received through December 31, 2026.

Dental Plan

The Sun Life Transition

Is my dental plan changing?

Yes, dental moves from MetLife to Sun Life on January 1, 2027. Your plan design is very similar: a $50 individual / $150 family deductible on basic and major services, a $2,000 annual maximum and orthodontia for adults and children. Check that your dentist participates in the Sun Life Dental Network.

What are Preventive Rewards?

Preventive Rewards is a Sun Life feature that adds to your annual maximum for the next year based on the preventive services Sun Life paid for during the prior year, up to $1,500. The earned dollars can be used toward preventive, basic or major services, but not orthodontia.

Is there a maximum on Preventive Rewards?

Yes, up to $1,500 can be added to your annual maximum for the following year, on top of the $2,000 base annual maximum.

Coverage Details

What does the dental plan pay?

In-network, you pay 0% of preventive services (cleanings, exams, x-rays), 10% of basic services after the deductible and 40% of major services after the deductible. Orthodontia is covered at 50% up to a $1,500 lifetime maximum for children and adults.

What happens if I go out of network?

Out-of-network payments are based on the 90th percentile of the usual and customary charge, so you may owe the difference. The plan pays 90% / 70% / 50% for preventive / basic / major services (Texas, Louisiana, Kentucky and Tennessee: 100% / 90% / 60%).

Is orthodontia coverage limited to children only?

No, orthodontia coverage applies to both adults and children, subject to a $1,500 lifetime maximum.

Are veneers or teeth whitening covered?

No. Procedures that are not listed as covered dental expenses are not covered, and veneers and whitening are not listed. The closest covered services are crowns and inlays/onlays, which are covered only when a tooth cannot be restored with a filling or other means (once per tooth in five years). Ask Sun Life for a pre-treatment estimate before any major work.

Are children covered?

Yes, eligible children are covered to age 26.

What does dental cost?

Employee contributions remain unchanged from 2026. Bi-weekly contributions are $5.34 (Employee only), $10.89 (Employee + 1) and $15.36 (Employee + 2 or more); weekly contributions are $2.67, $5.45 and $7.68.

Vision Plan

Plan Options

Is the vision coverage changing?

No you will remain with EyeMed for 2027.

What's the difference between Vision Core and Vision Buy-Up?

Core is provided at no cost to you (exam $10 copay, lenses covered in full, frames up to $105, contacts up to $105; exam every 12 months and lenses/frames/contacts every 24). Buy-Up shares the cost with you for richer benefits (frames up to $180, contacts up to $150, all benefits every 12 months). Both include 40% off an extra pair of glasses and 20% off non-covered items.

What will Vision Buy-Up cost?

Employee contributions remain unchanged from 2026. Bi-weekly contributions are $2.33 / $3.30 / $5.93 (Employee / Employee + 1 / Employee + 2 or more), or $1.17 / $1.65 / $2.97 weekly.

Health Savings Account (HSA)

Eligibility & Electing the HSA

Who is eligible for an HSA?

You must be enrolled in the BSH High-Deductible Health Plan, not have a full-purpose Healthcare FSA (a limited-purpose FSA is allowed), not have other medical coverage, not be claimed as someone else's tax dependent, and not be enrolled in Medicare (Part A or B), TRICARE, a VA or Indian Health Services plan.

Is there a minimum contribution required to elect the HSA?

No there is no minimum contribution for HSA.

Contributions & Limits

What are the 2027 HSA contribution limits?

The 2027 IRS limits are $4,500 for self-only coverage and $9,000 for self with dependents. If you are age 55 or older and not enrolled in Medicare you can contribute an additional $1,000.

Can highly compensated employees contribute the full amount?

Highly compensated employees are restricted on their contributions. Contact the BSH Human Resources, RNA US Benefit Department if you have questions about your limit.

Do I need a qualifying life event to change my HSA contribution?

No, HSA contributions can be changed throughout the year and are not subject to qualifying life event rules.

Using Your HSA Funds

What are the benefits of an HSA?

Contributions are pre-tax, funds grow tax-free and withdrawals for qualified expenses are tax-free. You own the account, there is no “use it or lose it” rule, and it stays with you if you change jobs or retire. State tax applies to HSA contributions for residents of California and New Jersey.

What happens to my HSA balance at year-end?

HSA funds are not forfeited at the end of the year; they are yours to keep, like a personal bank account.

Can I use HSA funds for non-medical expenses?

Qualified medical expenses are tax-free. Non-medical withdrawals are generally subject to income tax plus a 20% penalty if you are under 65. See the IRS website or your HSA Bank materials for details.

Who administers the HSA?

HSA Bank. Questions: 800-357-6246 or www.hsabank.com.

Medicare & HSA Eligibility

Can I contribute to an HSA if I'm enrolled in Medicare?

No, once you are enrolled in any part of Medicare you can no longer contribute to an HSA, though you keep access to existing funds for eligible expenses.

Flexible Spending Accounts (FSA & Dependent Care FSA)

Eligibility & Using Your FSA

What FSA options does BSH offer?

A Full-Purpose Healthcare FSA (for employees on a non-HSA medical plan), a Limited-Purpose Healthcare FSA (dental and vision expenses, for employees on the HDHP with an HSA) and a Dependent Care FSA.

What are the 2027 limits?

The Healthcare FSA limit is up to $3,500 (projected not yet released) The Dependent Care FSA limit is up to $7,500 ($3,750 if married filing separately). Highly compensated employees are restricted on their contributions.

Can I use my Healthcare FSA for expenses for someone not covered under my BSH medical plan?

Yes, Healthcare FSA funds can be used for eligible medical, dental and vision expenses for you and your tax dependents, even if they're not covered under your BSH medical plan.

Can I use my Dependent Care FSA for a dependent not covered under my medical plan?

Yes, you can use Dependent Care FSA funds for qualified dependents as defined by the IRS, even if they aren't covered under your medical plan.

Deadlines & Reimbursement

What happens if I have money left in my FSA at year-end?

Unused funds are generally forfeited under the IRS “use it or lose it” rules. As an exception, active employees can carry over up to $500 of Healthcare FSA funds into the next plan year.

Do I have to re-enroll in my FSA each year?

Yes, you must re-elect your Healthcare and/or Dependent Care FSA each year to keep participating.

Who administers the FSA?

Navia Benefit Solutions, 800-669-3539

How do I submit claims or use my FSA card?

You can submit your FSA claims online or use your card.

Life Insurance, AD&D & Voluntary Life

The Move to Sun Life

Is Life and AD&D insurance changing carriers?

Yes, Basic Life, AD&D and Voluntary Life/AD&D are moving from New York Life to Sun Life, effective January 1, 2027. Benefit levels are unchanged, and Voluntary Life and AD&D rates are unchanged.

What is the Basic Life benefit?

BSH provides Basic Life and AD&D at no cost to you: 2x your annual base salary up to $750,000. Coverage reduces by 50% when an active employee reaches age 70.

Will I need to re-confirm my beneficiaries for 2027?

Yes, review and confirm your beneficiary designations as part of Open Enrollment, since coverage is moving to a new carrier.

How can I update my beneficiaries?

You can update your beneficiaries in the enrollment portal at bsh.bswift.com.

Voluntary Life & Guaranteed Issue

What Voluntary Life coverage can I buy?

Employee Life: 1–5x annual pay up to $750,000 and AD&D 1–10x up to $750,000. Spouse Life: $5,000 increments up to $150,000. Child Life: $10,000, $15,000 or $20,000. You pay 100% with after-tax dollars.

What is guaranteed issue, and is a medical questionnaire required?

Guaranteed issue is the amount you can elect without health questions: the lesser of 2x annual pay or $750,000 for employees, and $30,000 for spouses. Amounts above that require Evidence of Insurability (EOI), as do late entrants and increases. Voluntary AD&D never requires EOI.

Is there a special chance to elect Voluntary Life this year?

Yes, because BSH is moving carriers, Open Enrollment lets you elect Voluntary Life up to the guaranteed issue amount without EOI.

Can I enroll my domestic partner in Voluntary Spouse Life?

Yes domestic partners can enroll in spouse life.

Can I enroll my spouse/domestic partner without electing Voluntary Life for myself?

No. You will need to elect Voluntary Life for yourself to enroll in any dependent life insurance.

Additional Features

What is Wellthy?

Wellthy is included with Basic and Voluntary Life. It provides care coordination and resources for end-of-life planning, navigating care, managing a loss and support afterward, with a personal Care Coordinator and a secure digital portal. Wellthy is not available in New York or Vermont.

Can I take my life insurance with me if I leave BSH?

You may be able to port or convert your coverage when you leave BSH. See the “When You Leave BSH” section of the guide.

Disability (Short-Term & Long-Term)

What's Changing (and What's Not)

Are Short-Term and Long-Term Disability changing?

Yes, STD and LTD move from New York Life to Sun Life, effective January 1, 2027. Benefit levels are unchanged.

Coverage Details

What does Short-Term Disability pay?

60% of your weekly earnings up to $1,500 per week, beginning on day 8, for up to 26 weeks. BSH pays 100% of the cost. There is no buy-up option.

What does Long-Term Disability pay?

60% of your monthly earnings up to $15,000 per month after 180 days, for as long as you remain totally disabled, up to Social Security normal retirement age. BSH pays 100% of the cost.

How are earnings defined for disability?

Earnings are gross earnings: base pay including pre-tax contributions to the 401(k), Section 125 plan or FSA, and excluding commissions, bonuses and overtime.

Is my disability benefit taxable?

Because BSH pays the full cost of STD and LTD, benefits are generally taxable income. Consult your tax advisor for your situation.

If I live in a state with state-mandated disability benefits, am I also eligible for BSH's STD benefit?

STD benefits are offset by other benefits you may receive, such as state disability benefits. Contact the BSH Human Resources, RNA US Benefit Department for details about your state.

Is there salary continuation?

Benefits-eligible exempt employees receiving disability payments are eligible for BSH salary continuation for up to six weeks, up to 100% of salary less disability payments and other income.

Voluntary & Worksite Benefits

Sun Life: Accident, Hospital Indemnity & Critical Illness

Are voluntary benefits changing for 2027?

Yes, Accident, Hospital Indemnity and Critical Illness move from MetLife to Sun Life. Plan designs and rates are different, so review your options during Open Enrollment.

How do I enroll?

Enroll in the enrollment portal at bsh.bswift.com during Open Enrollment (or within 31 days of becoming eligible). All three are employee-paid on a post-tax basis.

Do I need a medical questionnaire to enroll?

No, no health questions are required for Accident, Hospital Indemnity or Critical Illness.

Are there waiting periods?

For newly hired employees: Accident begins the first of the month following 30 days of employment, Critical Illness begins after 6 months of employment, and Hospital Indemnity has no waiting period.

If I was diagnosed with a condition before electing Critical Illness, is it still covered?

The Critical Illness plan has no pre-existing condition limitation.

Do I need BSH medical coverage to buy these plans?

No you can elect supplemental plans without being enrolled in the Medical plan.

What does Critical Illness cost?

Rates are age-based. For example, a $20,000 benefit at age 30–34 costs $3.88 bi-weekly ($1.94 weekly). See the What's New page for all age bands.

What happens to my $15,000 Critical Illness election?

Critical Illness elections are made in $10,000 increments. Employees enrolled in $15,000 of coverage have been moved to $10,000. If you want to increase your coverage, log in to the enrollment portal and update your election.

Pet Insurance

What is the pet insurance benefit?

A new voluntary benefit through Nationwide with preferred pricing for BSH employees.

How do I sign up for pet insurance?

Go to BSH's dedicated page at BSH’s Nationwide pet insurance page
Call 877-738-7874 and mention that you work for BSH Home Appliances Corporation to receive preferred pricing
Visit PetsNationwide.com and enter your company name

Is pet insurance available in New York and Washington?

Nationwide provides separate materials for New York and Washington. Contact the BSH Human Resources, RNA US Benefit Department for help.

Employee Assistance Program (EAP)

What is the Employee Assistance Program?

EAP by Design, provided through Sun Life by ComPsych, helps you and your family address personal life challenges. It comes with your life and disability coverage.

Is the EAP changing?

Yes, your EAP moves from Anthem to Sun Life (ComPsych) on January 1, 2027.

401(k) Retirement Plan

Is the 401(k) plan changing for 2027?

No, the 401(k) Savings and Retirement Plan remains with Vanguard.

How much is BSH's 401(k) matching contribution?

BSH matches 100% of your contributions up to 4% of your compensation. The company may also make a discretionary profit-sharing contribution.

When am I eligible, and am I automatically enrolled?

You can begin making contributions on the first day of the calendar month following one month of employment. After you meet eligibility you are automatically enrolled at a 4% pre-tax rate, increasing 1% each year until you reach 10%. You can change or stop your contributions at any time.

What is the Roth option?

Roth contributions are made after tax; qualified Roth distributions are tax-free. Roth and pre-tax contributions together count toward the annual IRS limit.

How do I contact Vanguard?

Call 800-523-1188 or visit www.vanguard.com/retirementplans.

COBRA & Leaving BSH

What happens to my benefits if I leave BSH?

Medical, dental and vision end on the last day of the month in which you terminate employment or lose eligibility. FSA and Life/AD&D end on your date of termination. You may be able to continue medical, dental, vision and flexible spending through COBRA by paying 102% of the full cost.

Can I continue my life insurance?

You can continue life insurance by converting or porting the policy directly with Sun Life. See the guide for details.

Support & Problem Resolution

Contacting the Benefit Department

Who can I contact for help during this transition?

The BSH Human Resources, RNA US Benefit Department is your one team for medical, pharmacy, dental, vision, 401(k) and more:

(866) 324-8772
(949) 297-2382
BSHService@cbcins.com
MyBSHbenefits.com

Hours: Mon – Fri 6am – 5pm PST

Where can I find new providers' phone numbers, websites, and mobile apps?

These will be posted on MyBSHbenefits.com and in your Benefit Guide, and will appear on your new ID cards.

What information should I have ready when I contact you?

Your member ID or date of birth and a brief description of your question or the service involved.

Getting Help & Escalating Issues

Who should I contact if a provider can't resolve my issue?

Reach back out to the BSH Human Resources, RNA US Benefit Department; we can help advocate on your behalf with the administrator if your issue isn't resolved on the first call.

How do I report an urgent access-to-care or prescription problem?

Call us directly and flag the issue as urgent for the fastest response.

Where can I find plan documents, provider directories, formularies, and required notices?

Plan documents, SBCs, directories, formularies and required notices will be available on MyBSHbenefits.com.

What if I need help outside of what the Benefit Department supports?

In a medical emergency, call 911; this team supports benefits and coverage questions only.

Hey BSH Team!2027 Open Enrollment is Here!

What's New

Medical Plan

Prescription Drug Plan

Dental Plan

Vision Plan

Tax-Advantaged Accounts

Short-Term Disability (STD)

Long-Term Disability (LTD)

Life and AD&D Insurance

Voluntary Benefits: Sun Life

Pet Insurance

Employee Assistance Program and Wellthy

401(k) Retirement Plan

Open Enrollment FAQs

Transition Information

Get Ready for Your New ID Card

Use Continuity of Care Support

Meet the BSH Human Resources, RNA US Benefit Department

2027 Transition FAQs

Pick your vibe

Call: (866) 324-8772

Text: (949) 297-2382

Email: BSHService@cbcins.com

Live Chat

Join a live presentation

Hey BSH Team!
2027 Open Enrollment is Here!