2027 Annual Enrollment
2027 Annual Enrollment
Monday, October 26 – Monday, November 16, 2026
For benefits effective January 1, 2027
Annual Enrollment is your opportunity to review your benefits and choose the coverage that best supports you and your family for 2027. This page highlights key plan design updates, new vendor partners and important actions to take before you enroll.
What's Changing in 2027
Here's what's different this year. Details for each change follow below.
Plan Change Details
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Medical Plan Design Updates
There are changes to certain medical plan deductibles, out-of-pocket maximums, account funding, office visit copays, emergency room copays, prescription drug cost structure and teammate premiums for 2027. Review the medical plan comparison and premiums carefully during Annual Enrollment so you understand how each plan works before making your elections.
Consider the differences between the current plans. Here are some claim examples for each plan offering:
Review the 2027 Medical Plans Summary and 2027 Rates.
Claim Examples for Teammate Only Coverage
Claim Examples for Teammate + Spouse Coverage
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Spousal And Domestic Partner Surcharge
If your spouse or domestic partner has access to medical coverage through their employer and enrolls in the DICK'S Sporting Goods medical plan, a $100 monthly surcharge ($46.15 per biweekly paycheck) will apply.
Applies to medical coverage only
Does not apply to dental or vision coverage
No surcharge applies:
if your spouse or domestic partner is not employed
does not have access to employer-sponsored medical coverage
is Medicare eligible; or
is employed by DICK'S or DICK'S affiliated company.
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Prescription Drug Coverage Updates
There are several changes to your prescription drug coverage in 2027:
Brand Formulary and Brand Non-Formulary medications move from a copay to coinsurance.
Mail order is no longer required for maintenance medications.
You can fill up to a 90-day supply through a participating retail pharmacy.
The cost of a 90-day supply changes from 2x to 3x the 30-day supply cost.
GLP-1 Medications
Effective January 1, 2027, GLP-1 medications prescribed solely for weight loss are excluded from coverage. The EncircleRx program remains available for eligible teammates and dependents who are prescribed GLP-1 medications for diabetes management.
Waste-Free Formulary
The Waste-Free Formulary helps keep prescription drug costs affordable by covering medications that provide the same clinical benefit at a lower cost when appropriate. The program:
Prioritizes safe, effective, lower-cost medication options
Helps reduce unnecessary prescription drug spending
Maintains the quality and value of your pharmacy benefit
If a medication change affects you, you'll be notified in advance and have access to:
Personalized support from a licensed pharmacist
Guidance on covered medication alternatives
Assistance understanding your pharmacy benefits and coverage
Support is available throughout the transition to help ensure you receive the medications you need.
Visit Evernorth Express Scripts.
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Spending Account Updates
The Base HSA plan no longer includes an employer contribution for 2027.
The Core HRA plan includes an employer contribution of $250 for individual coverage and $500 for family coverage. These amounts are 50% lower than the prior employer contribution.
If you enroll in the Base HSA or Buy-Up HSA plan, you may also elect a Limited Purpose Flexible Spending Account for eligible dental and vision expenses.
Programs To Know
Programs To Help You Find Care and Manage Costs
New and expanded programs are available to help teammates and covered family members find care, compare options and reduce unnecessary costs. Some programs are voluntary resources, while others may be required for certain services.
Garner Health
Traditional PPO/Core HRA: find Top Providers and receive eligible reimbursements up to $2,000 individual / $4,000 family.
OneImaging
Navigation to high-quality imaging facilities, with scheduling support and reduced cost.
Lantern
Navigation to designated Centers of Excellence for joint replacement, spine-related surgeries and bariatric surgery.
Reclaim Health
A claims auditor in your pocket. Automatic medical and prescription claims review to identify billing errors, overcharges and missed reimbursements from claims that may qualify for accident insurance, critical illness, or hospital care benefits.
Regenexx
Non-surgical options for certain musculoskeletal and orthopedic needs are being added to Cigna’s network with reduced cost-sharing.
At-a-glance
| Program | How it helps you | Available with | Do you need to sign up? |
|---|---|---|---|
| Garner Health | May reimburse up to $2,000 per individual or $4,000 per family in eligible out-of-pocket medical costs when you use a Garner Top Provider | Traditional PPO and Core HRA plans | Yes — register and add your providers |
| OneImaging | Save up to 80% on MRIs, CT scans, X-rays, ultrasounds and mammograms | All DICK'S medical plans | Optional — activate your account |
| Lantern | Surgery, cancer care and infusion therapy through Centers of Excellence, with expert guidance | All DICK'S medical plans | As of 1/1/27, required for spine and joint replacement; bariatric. |
| Regenexx | Non-surgical treatment options for joint, muscle, tendon, ligament, spine and bone conditions | All DICK'S medical plans | Optional |
| Reclaim Health | Reviews your claims to find billing errors, refunds and missed reimbursement opportunities | All DICK'S medical plans | No — included automatically |
Action required for certain surgeries
As of 1/1/27, for certain spine, joint and bariatric surgeries, teammates and covered family members are required to use the applicable surgery support program and a Center of Excellence, unless an exception applies. Lantern can guide you through the process, connect you with qualified providers and support you from the first question through recovery.
Call Lantern at 833-907-1986 to learn more.
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Garner Health — Traditional PPO and Core HRA Plans
Save on eligible out-of-pocket medical expenses by using Garner Top Providers, recognized for high-quality care and better patient outcomes.
Receive up to $2,000 per individual or $4,000 per family in reimbursements
Use the Garner app to find and select eligible primary care doctors and specialists
Pay your normal copays and out-of-pocket costs at the time of service
Eligible expenses are reimbursed after receiving care from a Garner Top Provider
Existing providers may qualify through continuity-of-care provisions for ongoing treatment
Register with Garner and add your providers to activate eligible reimbursements and track claims through the Garner app.
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OneImaging
OneImaging is your medical imaging benefit through DICK'S Sporting Goods, designed to make medical imaging easier for you and your family. With OneImaging, you have an easier way to get the imaging you need, with access to 4,800+ accredited imaging centers nationwide, faster scheduling, and at no cost to you.
Covered imaging: MRI, CT, X-ray, ultrasound, and mammography
$0 cost: Eligible Traditional PPO and Core HRA members pay $0 for covered exams scheduled through OneImaging
Learn more: join.oneimaging.com/dickssportinggoods
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Lantern
New for 2027: Spine, bariatric, and joint replacement must be performed through Lantern Centers of Excellence to be covered under the medical plan (certain exceptions apply).
Lantern connects you with high-quality care, expert guidance and potential savings for:
Surgery — including required Centers of Excellence for spine, bariatric, and joint replacement procedures
Cancer care — access to Oncology Nurse Navigators, top specialists and personalized support at no cost
Infusion therapy — convenient treatment options at home or at an infusion center, supported by a dedicated care team
Lantern's experts can help coordinate your care, answer questions and support you through every step of your health journey.
Call 833-907-1986 or visit Lantern Member Resources to learn more. A separate Lantern member ID card will be provided after enrollment.
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Regenexx
Regenexx is a voluntary program that offers non-surgical treatment options for certain joint, muscle, tendon, ligament, spine and bone conditions. The program may help reduce pain, improve mobility and potentially avoid surgery. Common conditions include:
Back and neck conditions
Arthritis and joint pain
Knee, shoulder, hip, ankle and foot injuries
Tendon and ligament injuries
If you're interested in treatment, Regenexx will review your condition, medical history and treatment options to determine whether a non-surgical approach may be appropriate. Learn more.
Learn more at Regenexx.com.
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Reclaim Health
Reclaim Health is automatically included with your medical benefits and works behind the scenes to help you save money and get the most from your coverage. Reclaim reviews your health care claims to identify:
Billing errors or claim issues
Refunds or credits you may be owed
Missed FSA reimbursement opportunities
Eligible benefits or claims that may have been overlooked
No enrollment is required and there is no additional cost. All teammates and covered dependents enrolled in a DICK'S medical plan are automatically included.
Learn more at ReclaimHealth.com.
New Vendor Partners For 2027
Two of your benefits have a new vendor for 2027. Your coverage continues — but you should check a few things before you enroll.
Dental
United Concordia → Delta Dental
Delta Dental replaces United Concordia as the dental plan vendor for 2027. DICK'S continues to offer Base and Buy-Up dental plan options, and the Delta Dental network is about three times larger than the previous network.
Review the dental plan details, confirm whether your dentist participates in the Delta Dental network and compare plan options before enrolling.
Find a Delta Dental Dentist
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Dental Pregnancy Benefit
If you're pregnant, Delta Dental provides enhanced dental coverage to help support your oral health. Benefits include an additional dental exam and extra cleanings or periodontal treatment, if needed.
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Teledentistry
Have a minor dental concern? Connect with a dentist through a virtual visit from the comfort of your home.
Covered the same as an in-office exam
Out-of-pocket costs may apply
Annual maximums and frequency limits still apply
Learn more at Delta Dental Virtual Dentistry.
Life and AD&D
Lincoln Financial → MetLife
MetLife replaces Lincoln Financial as the Life and AD&D insurance vendor for 2027, providing you with improved services. DICK'S-paid Basic Life and AD&D coverage continues to be provided to eligible teammates, and supplemental Life and AD&D options are available during enrollment.
What to do
As part of Annual Enrollment, review and update your beneficiary information in bswift.
UPDATE YOUR BENEFICIARIES (Coming Soon)
Enrolling Through bswift
Enroll in your benefits at dsgbenefits.bswift.com, or access bswift through Workday using single sign-on.
bswift offers new plan decision-making tools for 2027 to help you compare your options and choose with confidence, including Ask Emma®.
Need help enrolling? Contact Benefits at 1-800-690-7655, ext. 3012, option 5 or benefits@dcsg.com.
How To Access bswift
| Access details | |
| Website | dsgbenefits.bswift.com |
| Mobile app | bswift Mobile, available in the Apple App Store and Google Play Store |
| Company ID |
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| Initial password | Your date of birth (MMDDYYYY) |
If you enroll dependents
You must provide documentation to verify their eligibility. Dependent coverage will not become effective until the required documents are submitted and approved.
You can upload documents directly in bswift under your employee profile, where you'll also find a list of accepted verification documents.
Your 2027 Enrollment Checklist
Review your 2027 Annual Enrollment materials to understand your benefit options and compare the plans available to you.
Use Ask Emma® to help you choose your health coverage. Emma will help you understand the options that may best suit your and your family's needs.
Submit the spousal attestation, if applicable.
Review the 2027 premium rates and understand how the premium changes may impact your per-pay cost.
Confirm whether your current providers and dentists are in-network, including with the new Delta Dental network.
Review your Health Savings Account, Health Reimbursement Account, Health Care Flexible Spending Account, Dependent Care Flexible Spending Account and Limited Purpose Flexible Spending Account options, if applicable. If you enroll in the Base HSA or Buy-Up HSA plan, decide whether a Limited Purpose Flexible Spending Account makes sense for your eligible dental and vision expenses.
Update your beneficiary information for Life and AD&D insurance.
If you're enrolling a dependent for the first time, gather your verification documents and upload them in bswift.
Complete your elections in bswift by Monday, November 16, 2026.
Questions?
Contact the Benefits Department at benefits@dcsg.com or 1-800-690-7655, ext. 3012, option 5.