Page 9 - 2020 Summer Enrollment

PLAN DECISION TOOL
PLAN INFORMATION
Need help deciding which plan is right for you? Use the Plan
Decision Tool. Go to www.healthselectoftexas.com and click “HealthSelect Plans,” then the “Plan Decision Tool” link.
For more plan information, visit www.healthselectoftexas.com and click on the Summer Enrollment banner.
HealthSelect ofTexas
Consumer Directed HealthSelect
HealthSelect Out-of-State
Copay for primary care provider office visit
Yes
No
Yes
Required to select a primary care provider to receive in-network benefits
Requires referrals to see specialists
Includes a health savings account
Yes No No
Yes No No
No Yes No
Annual deductible (when you stay in the network)
No
Yes
No
Preventive care services covered at no cost1
Yes
Yes
Yes
Eligible for flexible spending account2
Yes
Limited-Purpose3
Yes
1 Preventive care is covered at 100% when appropriately coded as preventive care per the Affordable Care Act guidelines and when you visit a provider in your plan’s network.
2 OnlyactiveemployeesareeligibletocontributefundstoanFSA.
3 EligibleforaLimited-PurposeFSAthatcanonlybeusedforeligiblevisionanddentalexpenses.
Raul just started a new job and
is ready to enroll in a medical insurance plan. He’d like to take advantage of the State of Texas pre-tax contributions to fund a health savings account (HSA) and save money for future health care expenses.
Raul considers enrolling in Consumer Directed HealthSelect.
Because it’s a high-deductible plan, he’ll have to pay a certain amount out-of-pocket before the plan starts covering his costs. Consumer Directed HealthSelect does cover preventive services at 100%.
The State of Texas will contribute $45 a month for individuals ($90 a month for families) to help cover his out-of-pocket costs. And
Raul can make personal pre-tax contributions to his HSA.
Call a BCBSTX Personal Health Assistant toll-free at (800) 252-8039, Monday - Friday 7 a.m. - 7 p.m. and Saturday 7 a.m. - 3 p.m. CT 9