Let me guess—you’ve stared at the benefits portal, clicked around, and thought: “This feels like decoding hieroglyphics.” I’ve been there too! When I first joined Target, I nearly missed out on $500 in free HRA money because I didn’t understand the plans. (Yes, I kicked myself later.)
Here’s the good news: I’ve broken it all down for you—no jargon, just straight talk. Think of me as your benefits-savvy coworker who’s done the homework so you don’t have to.
You’ve got great benefits—let’s make sure you actually use targetpayandbenefits. I’ll walk you through each section, and by the end, you’ll be the teammate others ask for advice. Deal?
Virtual Care Platform
Target’s telehealth services bring the doctor’s office to you—anytime, anywhere. With our digital wellness tools and mobile health apps, getting quality care is as easy as sending a text.
Powered by CirrusMD, this platform offers:
- 24/7 access to board-certified physicians
- Multi-format consultations: Text, photo, or video chats
- $0 copay for most visits (saving you time and money)
- Prescription services sent directly to your pharmacy
What You Can Treat
| Common Uses | Examples | Avg. Response Time |
|---|---|---|
| General Medical | Colds, allergies, UTIs | <5 minutes |
| Mental Health | Stress, anxiety, sleep issues | <10 minutes |
| Preventive Care | Medication questions, health coaching | <15 minutes |
Getting Started
- Download the CirrusMD app or access via the Alight portal.
- Describe your concern (e.g., “rash on my arm” or “migraine”).
- Connect with a doctor in minutes—no appointment needed.
Pro Tip: Use the “Save Conversation” feature to share notes with your primary care physician later!
Target’s virtual care isn’t just convenient—it’s a health optimization tool that bridges gaps in health equity initiatives. Whether you’re at home, work, or traveling, expert care is always in your pocket.
Medical Plans
Target’s health insurance coverage provides flexible options to keep you and your family protected. With a focus on preventative care benefits and chronic disease management, these plans are designed to support your health and productivity management at every stage of life.
Plan Options Tailored to Your Lifestyle
Target offers personalized wellness plans through two main pathways:
National Account-Based Plans (Blue Cross Blue Shield)
- Health Reimbursement Account (HRA) Plan:
- Target contributes $500/year (individual) or $1,000/year (family)
- Covers 100% of preventative care benefits (physicals, health screenings)
- Health Savings Account (HSA) Plan:
- Triple tax advantages (pre-tax contributions, tax-free growth, tax-free withdrawals)
- Ideal for health risk reduction and long-term savings
Regional Plans (Kaiser, HMSA, Surest)
- Available in select states
- Integrated diabetes prevention and heart health programs
Medical Plan Comparison
| Feature | HRA Plan | HSA Plan | Kaiser Regional |
|---|---|---|---|
| Employer Contribution | $500/$1,000 | N/A | Varies by region |
| Preventive Care | 100% covered | 100% covered | 100% covered |
| Best For | Frequent care users | Healthy savers | West Coast residents |
Specialty Benefits Included in All Plans
- Prescription drug coverage:
- Mail-order options for 90-day supplies
- Tiered pricing (generic/brand/specialty)
- Health advocacy services:
- Dedicated support for claims and health literacy resources
- Biometric screenings:
- Free annual screenings (earn premium discounts)
Transparency and Resources
Target partners provide machine-readable files for cost transparency:
Did You Know? Employees who complete health risk assessments are 30% more likely to engage with wellness challenges.
Choosing the right medical plan is the foundation of your employee wellness programs. Whether you prioritize health savings accounts for future planning or need robust chronic disease management, Target’s options adapt to your needs.
balances detailed information with actionable advice, using tables and bullet points for easy scanning. Let me know if you’d like to emphasize any specific benefit!
Health Care Flexible Spending Account (FSA)
Target’s Flexible Spending Account (FSA) is a powerful tool to stretch your healthcare dollars further. Whether you need prescription drug coverage, routine health screenings, or ergonomic assessments, this tax-advantaged account helps you pay for eligible expenses with pre-tax dollars.
Let’s see how Target’s Health Care FSA works:
- Tax Savings: Contribute pre-tax dollars (up to $3,050 annually), reducing your taxable income.
- Rollover Benefit: Unused funds up to $610 carry over yearly—unlike “use-it-or-lose-it” FSAs.
- Eligible Expenses: Covers 200+ IRS-approved costs, including:
- Medical, dental, and vision copays
- Prescription medications (including mail-order)
- Preventative care benefits (e.g., biometric screenings, smoking cessation programs)
- Alternative medicine benefits (chiropractic care, acupuncture)
How to Enroll & Use Your FSA?
- Enroll: Elect contributions during Open Enrollment or within 30 days of hire.
- Access Funds: Use your FSA debit card or submit receipts via the Alight portal.
- Track Spending: Monitor balances through mobile health apps like Alight Wallet.
Common Reimbursable Items:
- First-aid kits
- Sunblock (SPF 30+)
- Breast pumps
- COVID-19 tests
Target’s Health Care FSA complements your medical plans and wellness initiatives, putting you in control of healthcare spending. By leveraging financial wellness integration and health behavior change tools, you can save hundreds annually.
Vision Coverage
Target’s vision care benefits go beyond basic eye exams—they’re designed to support preventative care, healthy aging, and digital wellness for employees who spend hours on screens. Whether you need glasses, contacts, or specialized care, our EyeMed Vision Plan ensures quality coverage without breaking the bank.
What’s Covered?
- Annual eye exams:
- 100% coverage for routine check-ups with in-network providers.
- Includes tests for common eye conditions and early detection.
- Eyewear benefits:
- $150 allowance for frames or contact lenses yearly.
- Discounts on premium lenses (anti-glare, blue light filters).
- Specialty care:
- Coverage for medically necessary contacts or lenses.
- Access to corneal mapping and retinal imaging.
Pro Tip: Use your preventative care benefits to catch vision changes early—especially if you work long hours on computers!
Did You Know? Employees who use vision benefits are 30% less likely to suffer screen-related headaches!
Good vision is key to work-life balance and productivity—whether you’re analyzing spreadsheets or driving home. Target’s vision care benefits ensure you get the care you need, with options tailored for digital-heavy lifestyles and healthy aging.
Dental Coverage
Target’s dental care benefits go beyond routine cleanings—they’re designed to support occupational health, injury prevention, and long-term musculoskeletal health. Whether you need a check-up or complex procedures, our Delta Dental® plans offer comprehensive coverage to keep your smile—and overall health—in top shape.
Plans Tailored to Your Needs
Target offers Standard and Enhanced dental plans through Delta Dental®, both covering:
✅ Preventive Care (100% coverage):
- Cleanings, exams, X-rays
- Oral cancer screenings (linked to health equity initiatives)
✅ Basic & Major Services:
- Fillings, root canals, crowns
- Ergonomic assessments for TMJ disorders
Tips to Maximize Your Benefits
- Find In-Network Dentists: Use Delta Dental’s provider tool.
- Schedule Biannual Cleanings: Fully covered under both plans.
- Combine with FSA: Use Flexible Spending Account funds for out-of-pocket costs.
“I used Target’s Enhanced Plan for a crown—saved $600 compared to out-of-network costs!” — Sarah, Store Manager
Strong dental health impacts whole-body wellness, from heart health programs to diabetes prevention. Target’s plans remove financial barriers so you can prioritize preventative care without stress.
Supplemental Medical Insurance
Target’s employee wellness programs go beyond standard coverage with supplemental medical insurance options. These benefits provide financial support for unexpected health events, helping you manage costs while focusing on recovery.
Types of Supplemental Coverage
Target offers three key plans to enhance your health insurance coverage:
- Critical Illness Insurance
- Accident Insurance
- Hospital Indemnity Insurance
How to Enroll
- Available during annual benefit administration period
- Premiums as low as $X/paycheck
- Pre-existing conditions may apply (check plan details)
Pro Tip: Pair with HSAs/FSAs for maximum savings on recovery programs.
Supplemental plans bridge gaps in health and productivity management, ensuring you’re protected against life’s surprises. Log in to Workday today to explore your options!
Eligibility Criteria
Understanding your health benefit administration options starts with knowing your eligibility. Target’s programs are designed to support employee engagement in wellness, but specific requirements apply based on your role and schedule. Below, we break down exactly who can access these vitality programs and how to check your status.
Basic Eligibility Requirements
To participate in Target’s corporate wellness platforms, you must meet one of these criteria:
- Hourly Team Members:
- Store employees: 25+ average weekly hours
- HQ/Distribution Center employees: 20+ average weekly hours
- Salaried Team Members: Eligible immediately
- Waiting Period: Typically 30–90 days after hire
Pro Tip: Your health and well-being surveys in Workday can help predict eligibility before official enrollment periods.
Special Cases & Exceptions
Some programs have unique health data privacy and access rules:
- Part-Time Team Members: May qualify for:
- Telehealth services (all employees)
- Employee Assistance Programs (EAPs)
- Discounted fitness equipment discounts
- Seasonal Workers: Typically ineligible for medical plans but may access:
- Remote work ergonomics consultations
- Active commuting support resources
Note: Wellness program ROI improves with participation—even if you’re only eligible for limited benefits!
Target’s tiered eligibility ensures health equity initiatives while maintaining sustainable programs. Whether you’re a full-time employee accessing wearable fitness trackers or a part-time team member using digital wellness tools, there’s something for everyone.
Conclusion
Here’s the secret no one tells you: Target’s health benefits are yours to use, not just paperwork to file. I learned this the hard way—after skipping two annual physicals, I finally used our preventative care benefits and caught a thyroid issue early. Whether it’s texting a doctor at midnight or using your FSA for that ergonomic keyboard, these tools exist to make your life healthier and easier.
So here’s my challenge: Pick one thing this week. Download the CirrusMD app, check your dental coverage, or just peek at your FSA balance. Small steps lead to big savings—both for your health and wallet. Remember, I’m rooting for you (and yes, those biometric screenings are worth waking up early for!).
