Learn How To Find The Right HealthCare Plan

 

Know Your P’s in Selecting the Right Health Plan for You


Selecting a health plan is about the security of knowing you’re protecting you or your family’s health during the ongoing COVID-19 pandemic. BCBSTX is offering affordable, quality health plan options in every ZIP code in Texas’ 254 counties. These plans can be accessed through a robust and unrivaled network of providers and facilities. But choosing the right plan is not a one-size-fits-all proposition. In selecting the health plan that’s right for you, think of the five P’s:

  • Premiums: Take the time to explore your options and understand the benefits and costs of each plan so you can find the coverage that works best for you and your family members. In the Dallas and Houston regions, BCBSTX is offering plans where nearly half of the on-exchange population may qualify for a $0 monthly payment after subsidies are applied. 

  • Pocket: Determine if the plan is a good fit for your budget and pay attention to more than just the monthly premium. You should also understand the other out-of-pocket costs, including deductibles, copays and coinsurance.

  • Provider: Primary care physicians (PCP) are key to optimal health. So, after selecting a health plan, make sure to identify a PCP to help navigate your healthcare journey. For example: BCBSTX is collaborating with the Sanitas Medical Centers in the Houston and Dallas regions in the MyBlue Health HMO network. This option allows members to enjoy a $0 copay for primary care in-person and primary care telehealth appointments with their Sanitas primary care physician. The MyBlue HealthSM plan is also available in the Austin and San Antonio areas. Even if you don’t make any changes to your health insurance, it’s still a good idea to ensure that any doctor you see regularly is in your benefit plan’s care provider network. As well, members and guests can search for doctors, hospitals, pharmacies, urgent care and more using BCBSTX’s Provider Finder tool.

  • Prescriptions: Make sure your medications are covered. Even if you don’t expect to change plans, it’s important to ensure your drugs will still be covered.

  • Phone: It’s important to check if your plan includes 24/7 telehealth services. In a pre-COVID-19 world, telehealth was an underutilized tool. However, the pandemic sparked a significant increase in the use of telehealth and will remain a healthcare delivery option even as people feel more comfortable again scheduling office visits.

 

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