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Best Buy HDHP HMO/HSA

Cost Structure 2025 2026 
Aggregate Out of Pocket Maximums $2,500 / $5,000 $4,000 / $8,000
Calendar Year Deductible $1,650 / $3,300 $2,000 / $4,000
Outpatient Care  2025 2026 
Urgent Care Covered in full after deductible is met $30 copay after deductible is met
Emergency room visits Covered in full after deductible is met $100 copay after deductible is met

Non-Routine Office visits

(outside of annual routine preventative services)

Covered in full after deductible is met Level 1: $30 copay after deductible is met
Level 2: $50 copay after deductible is met
Short term rehabilitation therapy: physical and occupational Covered in full after deductible is met (max of 60 visits each for OT and PT) $30 copay after deductible is met (max of 60 visits each for OT and PT)
Short term rehabilitation therapy: speech Covered after deductible $30 copay after deductible is met 
Chiropractor and Acupuncture services Covered in full after deductible is met (unlimited visits) $30 copay after deductible is met (unlimited visits)
Mental/Behavioral/ Substance Abuse  Outpatient Covered after deductible $30 copay after deductible met
Durable medical equipment / Prosthetics 20% coinsurance after deductible is met 30% coinsurance after deductible is met

Best Buy HMO

Cost Structure 2025 2026
Aggregate Out of Pocket Maximums $2,500 / $5,000 $5,000/$10,000
Calendar Year Deductible $500 / $1,000 $1,000 / $2,000
Outpatient Care  2025 2026 
Surgery and related anesthesia $250 per visit after deductible is met Covered in full after deductible is met
Short term rehabilitation therapy: physical and occupational $25 per visit – 60 visits per type of therapy

Covered in full after deductible is met (60 visits per type of therapy)

Short term rehabilitation therapy: speech $25 per visit - unlimited visits

Covered in full after deductible is met (unlimited visits)

Inpatient Care (including maternity care)  2025 2026 
Hospital care $500 per admission after deductible is met Covered in full after deductible is met
Rehabilitation hospital care $500 per admission after deductible is met (max of 60 days per year) Covered in full after deductible is met (max of 60 days per year)
Skilled nursing facility care $500 per admission after deductible is met (max of 100 days per year) Covered in full after deductible is met (max of 100 days per year)

Pharmacy Copay Changes

Retail Copay (30 days)  2025 2026 
Tier I-Generic $15 $15
Tier II-Preferred Brand $30 $45
Tier III-Non-Preferred Brand $50 $65
Retail Copay (90 days)  2025 2026 
Tier I-Generic $45 $45
Tier II-Preferred Brand $90 $135
Tier III-Non-Preferred Brand $150 $195
Mail Order Copay (90 days)  2025 2026 
Tier I-Generic $30 $30
Tier II-Preferred Brand $60 $90
Tier III-Non-Preferred Brand $100 $130
Specialty (30 days)  2025  2026
Tier I-Generic $15 $15
Tier II-Preferred Brand $30 $45
Tier III-Non-Preferred Brand $30 $65