Medical

Sysco offers four national medical plan options, administered by BlueCross BlueShield (BCBS): the Basic plan, HSA plan, PPO plan, and National HMO plan. All four plans provide no-cost in-network preventive care and offer coverage for doctor visits, hospital stays, telehealth services, and more. Use the BCBS Provider Finder tool to find in-network providers. To access the BCBS member portal, go to Blue Access for Members (BAM).

Looking for information about a Regional HMO plan? Click here.

Key Plan Differences

The plans differ in what you pay for coverage, how much you pay out of pocket when you receive care, and a few other key features. You can find the rates for all medical plan options in the online Sysco Benefits Center.

Ask Emma Interactive Decision Support Tool

Basic Plan

The Basic Plan is designed for people who use health care infrequently and have enough savings to pay a higher deductible and coinsurance if they need an unexpected surgery or hospital visit.

If you are generally healthy and only see a doctor for preventive care and minor illnesses, this plan might be a good option. You’ll pay lower premiums, but your costs will be higher when you need care.

HSA Plan

The HSA Plan is a consumer-driven health plan coupled with a Health Savings Account (HSA). You can save pre-tax dollars to pay for your care, and any unused funds are yours to keep and use for future care or in retirement.

If you enroll in the HSA and make a minimum annual contribution of at least $50 (individual) or $100 (family), you will receive the Sysco annual contribution of $250 (individual) or $500 (family).

PPO Plan

With the PPO Plan, you pay copays for in-network primary and specialist office visits, and emergency room visits. You also pay copays or coinsurance for prescription drugs. For other care, you meet a deductible and then pay 20% coinsurance until you meet your out-of-pocket maximum.

National HMO Plan

The National HMO Plan, available only in certain areas, has higher premiums in exchange for lower out-of-pocket costs when you use health care services. You pay copays for your medical care, but there are NO out-of-network benefits—you pay the full cost of care if you use out-of-network providers.

What You Pay for Care

Individual, In-Network

	Basic	HSA	PPO	National HMO
Sysco's Contribution to your HSA	N/A	$250 (with a minimum $50 colleague contribution)	N/A	N/A
Deductible*^†	$5,000	$2,000	$1,000	$0
Coinsurance	Plan pays 70% after deductible You pay 30% after deductible	Plan pays 90% after deductible You pay 10% after deductible	Plan pays 80% after deductible You pay 20% after deductible	N/A
Out-of-Pocket Maximum	$6,000	$5,500	$5,500	$3,000
Preventive Care	100%	100%	100%	100%
Office Visits	$25 copay PCP $75 copay specialist	10% after deductible	$25 copay PCP $65 copay specialist	$25 copay PCP $40 copay specialist
Telehealth / Telemedicine	$25 copay PCP $75 copay dermatology $25 copay behavioral health	10% after deductible	$25 copay PCP $65 copay dermatology $25 copay behavioral health	$25 copay PCP $40 copay dermatology $25 copay behavioral health
Urgent Care	30% after deductible	10% after deductible	20% after deductible	$60 copay
Emergency Room	$250 copay + 30% after deductible	10% after deductible	$250 copay + 20% after deductible	$250 copay (waived if admitted)
Hospitalization	30% after deductible	10% after deductible	20% after deductible	$300 copay
Labs, X-Rays, and Imaging	30% after deductible	10% after deductible	20% after deductible	100% covered (office visit copay may apply)
Behavioral Health	$25 copay	10% after deductible	$25 copay	$25 copay
Most Other Services	30% after deductible	10% after deductible	20% after deductible	Copays ranging from $25 - $300
* In-network and out-of-network deductibles are separate. Only in-network services apply toward your in-network deductible, and only out-of-network services apply toward your out-of-network deductible. † The PPO and Basic plans include an embedded deductible, meaning each family member has an individual deductible within the family amount. The HSA plan uses an aggregate deductible, which requires the full family deductible to be met before the plan begins to pay for any family member.

Individual, Out-of-Network

	Basic	HSA	PPO	National HMO
Sysco's Contribution to your HSA	N/A	$250 (with a minimum $50 colleague contribution)	N/A	N/A
Deductible*^†	$10,000	$4,000	$3,000	$0
Coinsurance	Plan pays 50% after deductible You pay 50% after deductible	Plan pays 65% after deductible You pay 35% after deductible	Plan pays 50% after deductible You pay 50% after deductible	N/A
Out-of-Pocket Maximum	$12,000	$10,000	$10,000	N/A
Preventive Care	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Office Visits	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Telehealth / Telemedicine	N/A	N/A	N/A	N/A
Urgent Care	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Emergency Room	$250 copay + 30% after deductible	35% after deductible	$250 copay + 20% after deductible	$250 copay (waived if admitted)
Hospitalization	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Labs, X-Rays, and Imaging	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Behavioral Health	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Most Other Services	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
* In-network and out-of-network deductibles are separate. Only in-network services apply toward your in-network deductible, and only out-of-network services apply toward your out-of-network deductible. † The PPO and Basic plans include an embedded deductible, meaning each family member has an individual deductible within the family amount. The HSA plan uses an aggregate deductible, which requires the full family deductible to be met before the plan begins to pay for any family member.

Family, In-Network

	Basic	HSA	PPO	National HMO
Sysco's Contribution to your HSA	N/A	$500 (with a minimum $100 colleague contribution)	N/A	N/A
Deductible*^†	$10,000	$4,000	$3,000	$0
Coinsurance	Plan pays 70% after deductible You pay 30% after deductible	Plan pays 90% after deductible You pay 10% after deductible	Plan pays 80% after deductible You pay 20% after deductible	N/A
Out-of-Pocket Maximum	$12,000	$11,000	$11,000	$6,000
Preventive Care	100%	100%	100%	100%
Office Visits	$25 copay PCP $75 copay specialist	10% after deductible	$25 copay PCP $65 copay specialist	$25 copay PCP $40 copay specialist
Telehealth / Telemedicine	$25 copay PCP $75 copay dermatology $25 copay behavioral health	10% after deductible	$25 copay PCP $65 copay dermatology $25 copay behavioral health	$25 copay PCP $40 copay dermatology $25 copay behavioral health
Urgent Care	30% after deductible	10% after deductible	20% after deductible	$60 copay
Emergency Room	$250 copay + 30% after deductible	10% after deductible	$250 copay + 20% after deductible	$250 copay (waived if admitted)
Hospitalization	30% after deductible	10% after deductible	20% after deductible	$300 copay
Labs, X-Rays, and Imaging	30% after deductible	10% after deductible	20% after deductible	100% covered (office visit copay may apply)
Behavioral Health	$25 copay	10% after deductible	$25 copay	$25 copay
Most Other Services	30% after deductible	10% after deductible	20% after deductible	Copays ranging from $25 - $300
* In-network and out-of-network deductibles are separate. Only in-network services apply toward your in-network deductible, and only out-of-network services apply toward your out-of-network deductible. † The PPO and Basic plans include an embedded deductible, meaning each family member has an individual deductible within the family amount. The HSA plan uses an aggregate deductible, which requires the full family deductible to be met before the plan begins to pay for any family member.

Family, Out-of-Network

	Basic	HSA	PPO	National HMO
Sysco's Contribution to your HSA	N/A	$500 (with a minimum $100 colleague contribution)	N/A	N/A
Deductible*^†	$20,000	$8,000	$9,000	$0
Coinsurance	Plan pays 50% after deductible You pay 50% after deductible	Plan pays 65% after deductible You pay 35% after deductible	Plan pays 50% after deductible You pay 50% after deductible	N/A
Out-of-Pocket Maximum	$24,000	$20,000	$20,000	N/A
Preventive Care	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Office Visits	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Telehealth / Telemedicine	N/A	N/A	N/A	N/A
Urgent Care	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Emergency Room	$250 copay + 30% after deductible	35% after deductible	$250 copay + 20% after deductible	$250 copay (waived if admitted)
Hospitalization	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Labs, X-Rays, and Imaging	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Behavioral Health	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
Most Other Services	50% after deductible	35% after deductible	50% after deductible	You pay the full cost
* In-network and out-of-network deductibles are separate. Only in-network services apply toward your in-network deductible, and only out-of-network services apply toward your out-of-network deductible. † The PPO and Basic plans include an embedded deductible, meaning each family member has an individual deductible within the family amount. The HSA plan uses an aggregate deductible, which requires the full family deductible to be met before the plan begins to pay for any family member.

BCBS Specialized Navigation Support through Health Advocacy Solutions (HAS)

BCBS HAS offers personalized support and guidance for you and your covered dependents when you have chronic health problems. HAS is here to direct you to the right support resources, assist with enrollment, and help you coordinate care.

Learn More

I Want To...

Determine the Best Plan for Me/My Family

The good news is... you have a variety of plans to choose from! We understand it can be difficult to figure out which plan is best for your situation, so we have several resources you can use to help:

Talk to a HAS health advocate. They can walk you through your choices and help you select the option that makes the most sense for your situation.
Use the Ask Emma interactive decision support tool in the online Sysco Benefits Center for plan suggestions that fit your individual needs.

Find a Provider and Care

To find a BCBS network provider, click here.

For assistance with finding care for your medical needs/concerns, contact BCBS HAS at 1-866-491-4911—available 24/7, excluding company-recognized holidays.

To schedule a telehealth appointment (available 24/7), call MD Live at 1-888-680-8646 or go to MDLive.com.

Locate a Walk-In Clinic or Urgent Care

Log in to Blue Access for Members (BAM) and scroll down to the Provider Finder tool or call 1-866-491-4911—available 24/7, excluding company-recognized holidays. Dedicated Sysco hours are Monday–Friday, 7 a.m.–6 p.m.

Download My ID Card

If you haven’t received an ID card in the mail or you’ve misplaced it, download one:

Online by logging in to BAM
Via the BCBS app, which is available by texting BCBSTXAPP to 33633.

Learn How My Plan Covers Care

Log in to BAM and go to the Coverage and Benefits section to find out how your plan provides benefits for typical medical expenses.

If you still have questions about plan benefits, contact BCBS Health Advocacy Services at 1-866-491-4911—available 24/7, excluding company-recognized holidays.

You can also reference the plan documents located in the Document Library.