Medical · BCBS PPO plan

What is the Traditional Plan?

One plan. You and your dependents each count separately.

In-network amounts. Preventive care is covered 100% with no deductible.

Traditional Plan Basics

Preventive care is covered 100%, no cost to you.
Two OOP Maximums: one for Medical costs, one for Prescription costs.

Traditional Plan

Deductible, single

$850

Deductible, family

$2,550

You meet $850; the other $1,700 is met by 2 or more dependents.

Most you pay in a year (out-of-pocket maximum), medical, single

$4,250

Most you pay in a year (out-of-pocket maximum), medical, family

$9,350

$4,250 for you and $5,100 for your dependents.

Most you pay in a year (out-of-pocket maximum), prescriptions, single

$2,750

Most you pay in a year (out-of-pocket maximum), prescriptions, family

$5,500

What will my medical plan cost me before it pays?

What do I pay when I use care?

Medical · using it

After the deductible, you pay 20%.

In network. Out-of-network care may cost more.

What you pay

Preventive care

Nothing. Covered 100%, no deductible.

Non-preventive care

After the deductible, 20%. The plan pays 80%.

Emergency room

After the deductible and a $100 copay, 20%.

Prescriptions

10% generic, 20% brand, 35% not on the formulary. $5 minimum.

Do this

Once you have your card, register at bluecrossmn.com/hormelfoods to see claims and costs.

Next step

Find a doctor and estimate costs at bluecrossmn.com/hormelfoods.

Next step

Make your enrollments in Oracle by 5 p.m. Central on November 16, 2026.

How are my prescriptions covered?

Check your medication, your plan’s cost share, and any approval.

Coverage for Just you

Coverage for You and your family

Most you pay in a year (out-of-pocket maximum), prescriptions

$2,750

$5,500

More about this benefit

Your medical plan determines your share

Prescription coverage is included with your medical plan. Costs depend on the medical option and whether the drug is generic, formulary brand or non-formulary brand.

A cost that does not count toward the maximum

Copayments for the difference between a brand-name product and its generic equivalent do not count toward the out-of-pocket maximum.

Check before you fill

1
Review covered medications in the MyPrime formulary.
2
Compare local pharmacy prices, generic options and home delivery.
3
Ask your physician to complete any required prior authorization, step therapy or quantity-limit form.

What the approval terms mean

1
Prior authorization: certain medications need approval.
2
Step therapy: another clinically appropriate or lower-cost medication may need to be tried first.
3
Quantity limit: a dose outside recommendations may require additional explanation.

Next step

Use MyPrime to check the formulary, compare prices or find approval forms.

Estimate your yearly cost

Turn on JavaScript to use the calculator.

Where should I go for care?

Online care is the easiest place to start, and Doctor On Demand video visits are free to enrolled members and covered dependents. The $ signs show relative cost, not prices.