Switching to T-Mobile benefits

When enrolling in a T-Mobile benefit plan, there are some details to be aware of to ensure your coverage and accounts remain uninterrupted. Here are the top things to know as you navigate this change.

Plan Year Update

If you move to a T-Mobile healthcare plan for 2026, be aware that the coverage period for benefits will run January through December.

In-Network Providers

For all medical plans except the Surest Copay Only Plan, you will need to select either Premera Blue Cross or UnitedHealthcare. Both insurance carriers provide the same coverage; the primary consideration is whether your chosen doctors are in-network with Premera Blue Cross or UnitedHealthcare, if you have a personal preference of insurance companies based on past experience, and the price of that carrier in your state. To avoid additional out-of-pocket expenses, ensure that your preferred healthcare providers and facilities participate in the selected provider networks.

Premera Blue Cross

  • Locate an In-Network Premera Blue Cross Medical or Behavioral Health Provider

UnitedHealthcare

  • Locate an In-Network UHC Medical Provider
  • Locate an In-Network UHC Behavioral Health Provider

Surest (Uses the same network of doctors as our UnitedHealthcare plans)

  • Locate an In-Network Surest Medical Provider or Behavioral Health Provider

Prescription Drug Coverage

Medication coverage options may change with T-Mobile plans. Check the CVS Caremark T-Mobile Open Enrollment site to see if your current prescriptions are included and find out if prior authorization or step therapy is required. For ongoing medication needs, reach out to your doctor or our Healthcare Advocates for information on transferring your prescriptions.

Health Savings Accounts

If you select the High-Deductible Plan for medical coverage, your HSA will be with Optum (Optum Bank for UHC enrollees and Optum Financial for Premera Blue Cross enrollees). If you have a balance in a Health Savings Account (HSA), you may transfer your funds so that all of your HSA funds are in one place. Check out these instructions on our benefits site if you want to roll prior accounts into your T-Mobile account.

Flexible Spending Accounts and Childcare Subsidy

If you are enrolled in a Flexible Spending Account (FSA) and would like to continue in 2026, you will need to re-enroll during Open Enrollment. Learn more about Healthcare FSA and Dependent Care FSA.

T-Mobile offers a Childcare Subsidy benefit to help with childcare expenses. You are eligible if your gross annual base pay is $99,000 or less and you have a child under the age of 13 or a child with disabilities age 13 through 25. Learn more about Childcare Subsidy.

Health Savings Accounts and Flexible Spending Accounts

If you select the High-Deductible Plan for medical coverage, your HSA will be with Optum (Optum Bank/UHC enrollees and Optum Financial/Premera Blue Cross enrollees). If you have a balance in a Health Savings Account (HSA), you may transfer your funds so that all of your HSA funds are in one place.

View the HSA Consolidation Process information to learn more about the process and instructions for consolidating your accounts.

If you are enrolled in a Flexible Spending Account (FSA) and would like to continue in 2026, you will need to re-enroll during Open Enrollment. The IRS sets the annual FSA contribution limit, so check the up-to-date guidelines before making your choices. Remember, FSAs generally operate under a “use it or lose it” rule, so plan your contributions based on expected costs for the year.

Childcare Subsidy

If your gross annual base pay is $99,000 or less and you have a child under the age of 13 or dependents/children with disabilities age 13 through 25 who qualify as eligible dependents and you use childcare services, you can sign up for the Childcare Subsidy program. Learn more about Childcare Subsidy.