Blue Cross and Blue Shield of Texas (BCBSTX) has the flexibility and choice that growing companies need. BCBSTX provides Texas small business employers with a variety of health care plan options that include access to a large network of providers and comprehensive benefits to fit your employees’ needs and your organization’s budget.
When it comes to health plans, “metal” tiers easily identify how costs are split between the insurance company and the insured.
Plan options within each metal tier include Participating Provider Option (PPO) and Health Maintenance Organization (HMO) choices. Learn more about the differences between these options:
PPO plans allow members more flexibility than an HMO to see specialists. Members can choose a primary care physician (PCP).
Members in HMO plans choose a primary care physician (PCP) who coordinates the patient's care. To see specialists, members need a referral from their PCP.
Blue Choice PPO gives you flexible benefit design options at a price you can afford while giving your employees a wide range of benefits and the freedom to visit any doctor they choose, with benefits paid at a higher level when the doctor is within the network.
This cost-effective health plan is designed to provide affordable quality health care services to the uninsured and underinsured whenever they access care through a participating Blue Advantage HMO network provider.
No, with the exception
of emergency or
*Metallic-level availability varies by plan and network.
All of BCBSTX’s small business health plan options include comprehensive coverage under the Affordable Care Act (ACA), including:
Blue Cross and Blue Shield of Texas plans give you and your employees more access to care with in-network Telehealth visits at the same cost as an in-office visit.
Select an HSA plan for you and your employees that features $0 copay for some preventive drugs. HSA plans help employees stick to their treatment regimen and better manage their health conditions.
Specific HSA-compatible plans have copays after the deductible is met for office visits with a primary care physician and specialist. Plus, pharmacy benefit copays.
Our small business dental plans include a wide network of providers to help you and your employees receive the right care.1
Contributory dental plans include minimum contribution requirements from employers.
Voluntary dental plans do not include minimum contribution requirements from employers.