Blue Cross Blue Shield of Texas
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All About Blue Cross Blue Shield of Texas
BCBS of Texas is the only statewide, non-investor owned health coverage provider in Texas, serving more than 3.3 million members in all 254 counties.
BCBS of TX is a division of Health Care Service Corporation (HCSC), a Mutual Legal Reserve Company, an Independent Licensee of the Blue Cross and Blue Shield Association. HCSC is an independent licensee of the Blue Cross and Blue Shield Association.
BCBS of Texas has been given an A+ (Superior) from the A.M. Best Company, an independent insurance rating organization.
HSA for America is an independent authorized Blue Cross Blue Shield of Texas agent.
Blue Cross & Blue Shield of TX PPO Network
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Coverage can go into effect as early as the day your application is approved, especially if you apply online; you can pick an effective date starting the day you sign up and up to 60 days after. Your billing will begin on that effective date. If you need your coverage to kick in by a certain date, you should apply ahead of time to make sure your coverage takes effect in time, ideally a few weeks in advance. |
Blue Cross Blue Shield of Texas BlueEdge HSA Plan
Blue Cross Blue Shield of Texas has one of the most competitive health savings account plans in the state of Texas.
They offer the BlueEdge HSA, a health plan that puts consumers first. This plan gives access to Blue Cross and Blue Shield’s large PPO hospital and doctor networks. It also provides great customer service.
The BCBS of Texas BlueEdge HSA plan is HSA-eligible.
Health savings accounts (HSAs) are savings accounts that allow you to contribute tax-deductible, pre-tax money to pay for medical expenses. The money in the account can only be used for qualifying medical expenses.
For example, it can be used for alternative medicine like acupuncture, which a lot of insurances don’t cover. If the money is used for a non-qualifying medical expense, you’ll have to pay a penalty tax of 20%. The money accumulates tax-deferred interest even if it’s not used, and once you turn 65, you can use the money as you wish without penalty.
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At HSA for America, we are here to guide you through the many questions that can arise while trying to find the right health insurance plan. Our Personal Benefits Managers partner with you by taking advantage of all of the money-saving tools available, with the goal in mind saving you as much money as possible.
This professional relationship continues on after you have your health plan secured – to ensure your medical needs are being met and your money is being saved.
Blue Cross Blue Shield of Texas FAQs
Q: What health insurance plans does Blue Cross Blue Shield of Texas offer?
A: Options include individual/family, employer group, Medicare Advantage, Medicaid (CHIP/MyTexas), and dental/vision add-ons. Rates vary by ZIP, so run an instant quote above to view rates in your area.
Q: How much is Blue Cross Blue Shield of Texas?
A: The cost of a Blue Cross Blue Shield of Texas (BCBSTX) plan varies significantly depending on the specific plan, but here are some examples of plan costs: BCBSTX offers Bronze plans with deductibles starting around $6,000 and out-of-pocket maximums of $7,500. For the UT SELECT plan, in-network copays for a family care physician are $30 and for a specialist, they are $50.
Q: Who owns Blue Cross Blue Shield of Texas?
A: Health Care Service Corporation, a Mutual Legal Reserve Company, is a member-owned health insurance company in the United States. HCSC was formerly known as Hospital Service Corporation and changed its name to Health Care Service Corporation in 1975.
Q: Does Blue Cross Blue Shield of Texas cover out-of-state care?
A: Yes, via the BlueCard program for PPO plans; HMO may require referrals. Emergency care is covered nationwide.
Q: What are the benefits of having health insurance with Blue Cross Blue Shield of Texas?
A: Covers preventive care at 100%, network access to 90%+ Texas providers, telehealth, and discounts via Blue365; no deductibles on many plans.
Q: What does Blue Cross Blue Shield of Texas cover?
A: Blue Cross Blue Shield of Texas (BCBSTX) covers a wide range of services, including preventive care, emergency services, hospitalization, maternity and newborn care, and pediatric care. Coverage details vary by plan, but many plans include virtual care, behavioral health services, and prescription drug benefits. Members also have access to wellness programs and discounts, and some plans offer dental and vision coverage.
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