Page 9 - 2021 Summer Enrollment

PLAN DECISION TOOL
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.
PLAN INFORMATION
For more plan information, visit www.healthselectoftexas.com and click on the Summer Enrollment banner.
HealthSelect of Texas
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
Yes
No
No
Annual deductible (when you stay in the network)
No
Yes
No
Requires referrals to see specialists
Yes
No
No
Preventive care services covered at no cost1
Yes
Yes
Yes
Includes a health savings account
No
Yes
No
Eligible for flexible spending account2
Yes
Limited-Purpose3
Yes
Raul’s Journey
Raul just started a new job and is ready to enroll in a medical insurance plan. 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.
Raul can take advantage of the State of Texas pre-tax contributions to fund his HSA and save money for future health care expenses.
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 Only active employees are eligible to contribute funds to an FSA.
3 Eligible for a Limited-Purpose FSA that can only be used for eligible vision and dental expenses.
9 Call a BCBSTX Personal Health Assistant toll-free at (800) 252-8039 (TTY:711), Monday - Friday 7 a.m. - 7 p.m. and Saturday 7 a.m. - 3 p.m. CT Learn About Your Plans