Basic Coverage*: Full-Time Employees *Basic Coverage includes UT SELECT (medical and prescription coverage), plus the cost of employee $50,000 Basic Life and employee $50,000 Basic Accidental Death and Dismemberment. Summary of Benefits and Coverage UT offers one medical insurance plan, UT SELECT, a self-funded PPO plan, administered by Blue Cross and Blue Shield of Texas. If you use a network doctor, you will receive the highest level of benefits, pay much less out-of-pocket, and will usually not have to file any claims. If you use an out-of-network doctor, you will still be covered, but your out-of-pocket costs for health care services will be substantially higher. BCBSTX Gold PlansAll Blue Advantage Gold HMO Plans offer the same set of essential health benefits, quality and amount of care as the Blue Advantage Silver and Gold HMO Plans. The Blue Advantage Gold HMO Plans are the most expensive plans, but also have the most comprehensive benefits. Gold Plans have a higher monthly premium and often lower out-of-pocket costs than Silver and Bronze plans. Blue Advantage Gold HMO Plans may be right for you if you are an individual or family who:
There are deductibles for this plan, and this is an HMO plan. You must select a Blue Advantage HMO Primary Care Physician (PCP) when enrolling in this plan.
Blue Cross Silver PlansBCBSTX Silver plans offer a higher level of coverage than Bronze plans, and those who purchase on-exchange may also be eligible for cost-sharing reductions based on income, lowering deductibles and co-pays. Silver plans are ideal for people who have regular medications or utilize specialist or doctors visits more often than their included yearly check-up. Silver plans are a good “middle of the road” option for people who might need to utilize their healthcare options more but may not be able to afford higher premium payments.
Blue Cross Bronze PlansBlueCross BlueShield of Texas Bronze plans are ideal for individuals looking for low-cost plans. Bronze plans have higher out of pocket costs, but two plans (the 106 and 104) also have HSA options for those looking for tax savings. These plans are ideal for those who do not have regular medications or visit the doctor outside of their yearly check-up (included as preventative care on all plans.)
Multi-State PlansThe Multi-State Plan (MSP) Program, established under the Affordable Care Act, directs the Federal Office of Personnel Management to contract with private health insurers in each State to offer high-quality, affordable health insurance options called Multi-State Plans. There are no major differences between multi-state plans and other plans, and it does NOT mean these plans provide out of state benefits, just that benefits meet minimum requirements from state to state. Always check the doctor’s networks for each individual plans, and remember that emergency care is covered within the continental US. BCBSTX appears to have discontinued Multi-State plans for 2018. HSA PlansHealth Savings Accounts can reduce your out of pocket costs as well as your tax burden. BCBSTX offers one of 3 HSA plans in Texas for 2018. Learn more at our HSA Guide.
Is Blue Cross Blue Shield of Texas the same as Blue Cross Blue Shield?BCBSTX is a Division of Health Care Service Corporation (which operates Blue Cross and Blue Shield plans in Texas, Illinois, Montana, Oklahoma and New Mexico), the country's largest customer-owned health insurer and fourth largest health insurer overall.
Does BCBS of Texas have PPO plans?BCBSTX offers a variety of PPO plans with varying deductible, coinsurance and copay amount options. All plans include an outpatient prescription drug benefit with either a three-tier or four-tier pharmacy copay design.
How much is health insurance in Texas per month?Average Monthly Health Insurance Premiums for Benchmark Plans by State Without a Subsidy. What does Bluecross Texas cover?BCBSTX covers all medically necessary care that Medicaid covers. This includes: Visits to PCPs, specialists (with an OK ahead of time for out-of-network providers), or other providers. Routine physicals for children from birth through 20 years of age.
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