2026 Annual Benefits Enrollment
October 27–November 14, 2025
On this page, you will find information about the changes to your benefits for 2026, information on the new vendors, and account transition information. Annual Benefits Enrollment is your once-a-year opportunity to review your options and build a benefits plan that works for you and your family.
To see all of your 2026 benefits, review the 2026 Benefits Guide, which offers in-depth information about your options and additional details on the benefits changes. The guide will be posted soon.
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What's Changing for 2026
There are NO changes to your deductibles, copays, coinsurance, or plan design for 2026. You will have access to the same care that you have today. Here is what’s changing:
Vendors are changing for medical, prescription drug, dental, telehealth/virtual behavioral health, the EAP, the FSAs, and the HSA.
There is a new Patient Navigation partner.
Rates are changing for medical and vision.
If you enroll in the HSA, a minimum contribution will need to be made to receive the Sysco contribution.
FSA and HSA contributions are increasing to the 2026 IRS limits. See the 2026 limits on the Health Care FSA, Dependent Care FSA, and HSA pages.
Vendor Changes for 2026
As a market best practice, Sysco regularly reviews our vendors to ensure we are providing you and your family with the most strategic and cost-effective providers. We are excited to share that we will have the following new vendor partners beginning January 1, 2026:
| Plan | 2026 Vendor |
|---|---|
| Medical | BlueCross BlueShield |
| Pharmacy | Capital Rx |
| Dental | Delta Dental |
| Patient Navigation | BCBS Health Advocacy Solutions (HAS) |
| Telehealth/Virtual Behavioral Health | MDLive |
| EAP | SupportLinc |
| Spending Accounts (HSA, FSA, LPFSA, DCFSA) | HealthEquity® |
Learn More: 2026 Annual Benefits Enrollment
Most of your current benefit elections will carry forward to 2026. If you do not take action during Annual Benefits Enrollment, your next opportunity to change your benefits will be next year’s annual enrollment period unless you experience a qualifying life event, such as getting married or having a baby.
You do not need to actively enroll this year, unless you want to:
Enroll for the first time.
Make changes to your current benefit plans and/or dependents.
Elect a Health Savings Account (HSA) or Flexible Spending Account (FSA) contribution amount for 2026.
Note:
If you are currently enrolled in a local HMO plan, you will be contacted if there are changes to your medical benefits for 2026.
New Vendors for 2026
Click on the link in each card for additional information. To see all of your 2026 benefits, read the 2026 Benefits Guide. For 2025 benefits information, go here.
Medical Plans
BlueCross BlueShield (BCBS)
Prescription Drug Coverage
(Included in your Sysco-sponsored medical plan)
Capital Rx
Dental Plans
Delta Dental
Patient Navigation
(Included in your Sysco-sponsored medical plan)
Health Advocacy Solutions (HAS)
Telehealth/Virtual Behavioral Health
(Included in your Sysco-sponsored medical plan)
MDLive
Employee Assistance Program (EAP)
SupportLinc
Health Savings Account (HSA)
HealthEquity®
Flexible Spending Account (FSA)
HealthEquity®
Limited Purpose FSA
HealthEquity®
Dependent Care FSA
HealthEquity®
When You're Ready to Enroll
Once you've explored all of your benefit options and made your selections, log in to the online Sysco Benefits Center from October 27–November 14 to enroll.
If you have questions or need assistance, call the Sysco Benefits Center at 1-800-55-SYSCO (1-800-557-9726). Chat and translators are available.
Transition of Medical and Dental Care
If you’re pregnant, in treatment for a serious illness, managing a complex condition, or have a scheduled surgery, you may request a Transition of Care exception to allow you to stay with your current care team for a short period of time if they are not in the BCBS network. Exceptions may apply.
Call Health Advocacy Solutions at 1-866-491-4911 for assistance with the medical Transition of Care form.
Pre-Authorizations
As part of our transition to a new medical and pharmacy vendor, BCBS and Capital Rx may honor any existing pre-authorizations approved by Aetna and CVS and carry them over for the duration of the approval. If you or a covered dependent has an approved treatment, procedure, medication, or ongoing care that requires pre-authorization, you may not need to start the approval process over. They will accept most authorizations and continue your care and medications. Some exclusions will apply.
Certain dental procedures may also be permitted under Transition of Care. Beginning January 1, 2026, provide your current provider with your Delta Dental ID card information to continue your treatment. Expections may apply.
FSAs and HSA: Transition to HealthEquity®
Starting January 1, 2026, HSA and FSA contributions will be deposited into your HealthEquity® account.
HSA Balance Transfer
If you have a 2025 Sysco HSA through Inspira, you have the option to transfer your existing account balance to HealthEquity for free. Otherwise, fees will apply if you transfer later or keep funds with Inspira.
Important! Initiate your HSA transfer from Inspira to HealthEquity no later than December 31, 2025. You can e-consent here.
FSA Balance Transfer
Applicable balances in your FSA account will be transferred to HealthEquity per our plan rules after March 31, 2026.
During the transfer, your Inspira HSA or FSA balance will be temporarily unavailable. You'll receive advanced notice of the blackout period from HealthEquity.
Colleagues enrolled in the Dependent Care FSA will receive a one-time $25 credit in 2026, as HealthEquity adds DCFSA access to the debit card.
Prepare for 2026
ID Cards
If you enroll in a Sysco-sponsored medical plan for 2026, you will receive separate BCBS medical and Capital Rx prescription drug ID cards in the mail by January. Please note: Verified dependents will be covered, but their names will not be listed on the ID cards.
If you enroll in a dental plan for 2026, you will receive a Delta Dental ID card in the mail by January.
HSA and FSA Debit Card
If you have an HSA or FSA in 2026, you will receive a HealthEquity® debit card by January to your home address on file with Sysco.
2026 Vendor Look Up Tools
It’s important to check that your providers are in the 2026 vendor networks.
Use these provider finder tools to search for and learn more about doctors, hospitals, clinics, pharmacies, dentists, and behavioral health providers for 2026:
- Medical Plans: bcbstx.com/sysco
- Prescription Drug: cap-rx.com
- Dental Plan: deltadental.com
If you need support, contact the Sysco Benefits Center for assistance or to be connected with our new vendors.
Setting Up Your New Accounts
Beginning January 1, you’ll access your benefits through our new vendor partners. Follow the steps below to set up your accounts and take advantage of their tools and resources.
- Visit bcbstx.com/sysco and click Register Your Online Account to create your member account. Click here for instructions.
- What you’ll need:
- Your member ID number (from your new ID card)
- Date of birth
- Email address
- Download the BCBSTX Mobile App by texting BCBSTXAPP to 33633.
- Use your account to:
- Find in-network doctors, hospitals, and urgent carecenters
- View your digital member ID card
- Review claims and Explanation of Benefits (EOBs)
- Visit the Delta Dental member login page at deltadentalins.com and click “Create an account.”
- Select “Enrollee/Adult Dependent” from the User Type menu and click "Next."
- Enter your personal information. If you don’t have your enrollee ID, you can also use your Social Security number (with no dashes or spaces).
- Create your username and password, and enter your email address.
- Choose a challenge question and answer to use if you forget your password.
- Log in to your account.
- Download the Delta Dental App (Apple App Store and Google Play)
- Use your account to:
- Search for in-network dentists
- Review claims and coverage details
- Print or view your digital ID card
- Go to cap-rx.com and select Register Now to create your account.
- What you’ll need:
- Your new prescription ID number, which can be found on your Capital Rx ID card
- Date of birth
- Email address
- Download the Capital Rx app (Apple App Store and Google Play) for on-the-go pharmacy tools.
- Use your account to:
- Check prescription costs and coverage
- Find in-network pharmacies
- Access mail-order and home delivery options
- Go to my.healthequity.com and select Register Your Account.
- What you’ll need:
- Your Social Security number
- Date of birth
- ZIP code
- Download the HealthEquity Mobile App (Apple App Store and Google Play) to manage your accounts on the go.
- Use your account to:
- Check balances and transactions
- Pay providers directly or reimburse yourself
- Track contributions and investments
Enrollment Resources
What's Changing Mailer
The What’s Changing mailer was sent to your home. You can find a PDF here. It’s also available in Spanish.
Enrollment Instructions
Access the online Sysco Benefits Center to review, change, or enroll in benefits. Find instructions by clicking here.
Sysco Benefits Center
If you have any problems creating a username and password, logging in, or enrolling in your benefits, call the Sysco Benefits Center at 1-800-55-SYSCO (1-800-557-9726), Monday–Friday, 7 a.m.–7 p.m. CT. Live chat and translators are available.
Health Advocacy Solutions (HAS)
During Annual Benefits Enrollment, HAS through BCBS can help you understand your 2026 benefit options and if you enroll in a Sysco-sponsored national medical plan for 2026, manage your benefits and connect you to other vendors throughout the year.
Call 1-866-491-4911
Dedicated Sysco hours: Monday-Friday, 7 a.m.-6 p.m.
Representatives available 24/7, excluding holidays.
Ask Emma
Ask Emma is our interactive decision support tool! Emma guides you through the benefits enrollment process by asking you a few simple questions. Based on your responses, she’ll suggest plans that fit your individual needs, taking the guesswork out of your benefits shopping experience.
Enable the Ask Emma tool at any time when you enroll in the online Sysco Benefits Center.
bswift Mobile App
Download the bswift mobile app to access your benefits on the go.
Installation: Add the app to your Apple or Android device. Enter the company code syscobenefits and follow the on-screen instructions.
App Features
- View plan details
- Navigate to the online Sysco Benefits Center
- Check coverages and beneficiary information
- Upload dependent verification documents
- Link to carrier websites
- Find provider contact information
What's Changing for 2026
There are NO changes to your deductibles, copays, coinsurance, OR plan design for 2026. You will have access to the same care that you have today. Here is what’s changing:
Vendors are changes for medical, prescription drug, dental, telehealth/virtual behavioral health, the EAP, the FSAs, and the HSA.
There is a new Patient Navigation partner.
Rates are changed for medical and dental.
If you enroll in the HSA, a minimum contribution will need to be made to receive the Sysco contribution.
FSA and HSA contributions are increasing to the 2026 IRS limits.
Learn More: 2026 Annual Benefits Enrollment
Most of your current benefit elections will carry forward to 2026. If you do not take action during Annual Benefits Enrollment, your next opportunity to change your benefits will be next year’s annual enrollment period unless you experience a qualifying life event, such as getting married or having a baby.
You do not need to actively enroll this year, unless you want to:
Enroll for the first time.
Make changes to your current benefit plans and/or dependents.
Elect a Health Savings Account (HSA) or Flexible Spending Account (FSA) contribution amount for 2026.
Note:
If you are currently enrolled in a local HMO plan, you will be contacted if there are changes to your medical benefits for 2026.
Vendor Changes Overview
Click on the plan name to see details on what’s changing for 2026.