Page 12 - Demo

Know How Your Plan Works You%u2019re not required to choose a PCP or ask for referrals to see specialists. You can see any provider you want, even if they%u2019re not in network.You have out-of-network coverage. You can see providers who are out of network, but in-network providers always cost less.You have a nationwide network of providers. You%u2019re covered even when you%u2019re outside Texas.Preventive care is covered at 100% when you see an in-network provider, so stay up to date on check-ups and health screenings.This plan works with a Health Savings Account to help you pay for qualified medical expenses, tax-free. An HSA is a tax-advantaged savings account you own, so you choose how much you want to contribute, up to the legal limit, and how to use the funds for qualified health care expenses. Any investments and earnings from the account are also tax-free. Talk with your Benefits Administrator for more information about HSAs. TRS doesn%u2019t administer HSAs, but many districts and financial institutions do. You pay coinsurance. Once you meet your deductible, your plan pays a percentage, and you pay a percentage. The percentage you pay differs for in-network and out-of-network services. You pay less coinsurance when you use in-network providers. You pay consultation fees for TRS Virtual Health and freestanding emergency room visits.12 www.bcbstx.com/trsactivecare