How Starbucks Health Insurance Plans Offer Employees Options

Large chains often skip out on offering employees benefits to ease the cost of living. While unfortunate, there are places like Starbucks, who understand the importance of health coverage.

FirstQuote Health Staff
Published on
January 9, 2023
Last Updated on
May 16, 2023
Baristas preparing coffee on an espresso machine

Working part-time at a coffee shop doesn’t scream benefits. Yet, Starbucks prides themselves on offering health insurance to their employees. Their website even refers to their employees as ‘partners’ to emphasize personal relationships within the large company.

The idea that only full-time white-collar employees with a desk deserve health insurance and added benefits seems outdated. Still, very few companies are breaking the norm, leaving millions of part-time workers scrambling to find the coverage they can afford. For those looking for a job with benefits, Starbucks is a great place to start.

Do Starbucks baristas get health insurance? The short answer is yes. Starbucks offers excellent employee health insurance benefits for eligible employees. The plans cover a variety of medical expenses, including doctor visits, urgent care services, preventive care, and medications. Employees can choose from a range of different plan options that are tailored to their individual needs. Employees also have access to mental health resources and additional coverage such as dental, vision, and life insurance. Starbucks employees enjoy the peace of mind knowing they have quality health coverage should they need it.

Does Starbucks Really Pay For Your Health Insurance?

It may sound crazy, but Starbucks is one of the few companies that show their care for their employees by providing health insurance. Starbucks employee benefits include health, dental, and even vision options, and 401k savings plans with matching contributions. With these benefits attracting a growing number of employees, it is adding to Starbuck’s overhead costs. However, according to a Forbes article, Howard Schultz seems ready to keep these Starbucks employee benefits available to build retention and improve morale despite the growing cost.

How Long Do You Have To Work Before Becoming Eligible?

There are certain requirements to attain eligibility for Starbucks health insurance. They require an employee to be paid for 160 hours of work over a consecutive 2 month period to become eligible. To maintain Starbucks health insurance eligibility, a worker needs to work at least 240 hours between the first and last days of each calendar quarter.

This works out to be 20 hours a week before employees can begin to take advantage of Starbucks health benefits. This works great for college students and those who don’t have the time for full-time work and still need health insurance.

A full-time worker attains Starbucks health insurance eligibility after 60 days of work. This includes shift managers and supervisors in retail locations, along with those working full-time at corporate offices.

How Much Will It Cost You?

There are five plans available when choosing Starbucks health coverage. The cost is lower for the lowest tier and highest for the highest coverage available. Those willing to pay a little more initially may save more in the long run.

A higher tier coverage available could cost around $300/month for a family of three according to self-reported data on the Starbucks subreddit. A lower-tier coverage would cost much less for a single person, but there may be more out-of-pocket costs.

How Much Coverage Can Save You

Starbucks health coverage could save you up to $180 for doctor’s visits. However, if you opt for the lower tier options there is no coverage for doctor’s visits until the copay is met. For those choosing the lower tier options, Starbucks provides health savings accounts that employees can use.

In addition, Starbucks health insurance offers 20-30% coinsurance after a deductible is met in most cases. The highest tier option, explained below, has no deductible and the insurance pays most of the costs. This could save thousands of prescription drugs for those needing more medication.

Health insurance coverage from Starbucks can provide significant savings for employees. By covering costs associated with doctor visits, preventive care, medications and other medical needs, employees are able to save money on out of pocket expenses. Additionally, employees may benefit from the additional coverage of dental, vision, and life insurance which is included in many of the plans offered at Starbucks. In some cases, these plans could result in significantly lower health costs than what would be paid independently. With its quality health insurance plans and wealth of coverage options, Starbucks is a great choice for those looking to save money on their healthcare costs.

Starbucks Health Insurance Options

One of the great things about Starbucks is they truly understand the healthcare landscape. They know that not everyone’s healthcare needs will be the same, and not everyone should have to pay for benefits they don’t need. That’s why there are a few different options to choose from.

Starbucks Bronze

This option is the lowest coverage available. While it may meet the requirement for having health insurance, not much is covered until the deductible is met. This deductible is $3000 for an individual and $6,000 for a family. The out-of-pocket expenses can be almost $12,000 for a family or around $6000 for an individual.

Starbucks Bronze Plus

Starbucks Bronze Plus is an affordable healthcare option available to eligible employees. It offers a variety of coverage options, including preventive care and doctor visits. Additionally, the plan covers vision, dental and mental health services. This plan also includes hospitalization and emergency coverage so you are covered in case of serious illness or injury. The premium for the Bronze Plus plan is relatively low compared to other plans, making it an ideal choice for those on a budget but still looking for quality health coverage.

This plan also doesn’t initially cover doctor visits, however, the deductible to meet is slightly lower. It is $2,250 for an individual and $$4,500 for a family. In addition, the out-of-pocket maximum expenses are reduced to about $3,500 for an individual and around $7,000 for a family.

Starbucks Silver

Starbucks Silver is a comprehensive healthcare option available to eligible employees. This plan offers access to preventive care, hospitalization and emergency coverage, as well as vision, dental and mental health services. In addition, the plan covers specialty care such as prescription drugs and lab work. With its extensive coverage options and relatively low premium costs, Starbucks Silver is an excellent choice for those looking for quality health insurance without breaking the bank.

Starbucks says that most of their employees choose Bronze Plus or Silver for their health insurance in their Benefits information. The Silver plan has a co-pay for doctor’s visits with $30 for primary care and $50 for specialty visits. The deductible is decreased to $750 for an individual and $1500 for a family. However, the maximum out-of-pocket expenses are greater than the Bronze Plus plan. They are listed as $5,000 for an individual and $10,000 for a family.

Starbucks Gold

Starbucks Gold is a premium healthcare option available to eligible employees. This plan covers all the same services as the Bronze and Silver plans but with higher levels of coverage. In addition, this plan includes additional services such as physical therapy and home health care. The premium costs for Starbucks Gold are also more expensive than other plans, but the added coverage makes it an ideal choice for those looking for a more comprehensive health insurance plan.

This plan has an even lower deductible of $600 for an individual and $1,200 for families. The maximum out-of-pocket expenses are comparable to the Bronze Plus plan. However, the deductibles for doctor’s visits are reduced to $20 for primary care and $35 for specialty care.

Starbucks Platinum

Starbucks Platinum is the top tier of healthcare options available to eligible employees. This plan provides the same services as the Bronze and Silver plans but with even higher levels of coverage. In addition, this plan includes additional services such as adult and pediatric preventive care, fertility treatments and infertility treatments. The premium costs for Starbucks Platinum are significantly more expensive than other plans, but the level of coverage makes it one of the best health insurance plans for those who want to protect themselves and their families from unexpected medical bills.

By far the best health coverage provided, this plan has no deductible. Co-pays are the same as the Gold plan. The maximum out-of-pocket expenses are only $1,500 for individuals and $3,000 for families. Choosing a health care plan is individual to each person’s situation. However, Starbucks offers a wide range of available options to choose from.


Starbucks health insurance is an excellent benefit for eligible employees. The plans cover a wide variety of medical expenses, giving employees the peace of mind that their health will be taken care of should they need it. Coverage includes doctor visits and preventive care, as well as additional coverage such as dental and vision. Employees can also access mental health resources if needed. All in all, Starbucks provides its employees with quality health insurance that is sure to give them peace of mind. Whether you’re looking for information regarding Starbucks health insurance or other types of health plans, we’ve got you covered!

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