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Tips for Choosing Your Health PlanChoosing the right health plan for you and your family is important. Answering a few simple questions and following these steps can help make the decision easier.1. Review your health care needs to get an idea of how you%u2019ll use your health plan.%u2022 Are you and your family generally healthy and mainly need preventive care?%u2022 Are you or a family member managing an ongoing health condition?%u2022 Does an ongoing health condition require frequent doctor visits?%u2022 Are you or a family member taking expensive prescriptions or specialty drugs?%u2022 Are you planning to start a family?%u2022 Are your preferred doctors in network?2. Compare the network features of each plan to see which one best fits your needs. Health Plan Do you need a PCP?Do you need a referral to see a specialist?Does this plan cover specialty medications?Do you have out-ofnetwork coverage?Does this plan work with a Health Savings Account?TRS-ActiveCare Primary Yes Yes** Yes No* NoTRS-ActiveCare Primary+ Yes Yes** Yes No* NoTRS-ActiveCare HDNo, but we recommend you have one.No YesYes, but you%u2019ll pay more for out-ofnetwork care.Yes * In the case of a life-threatening illness or injury, you should call 911 or go to the nearest emergency facility right away. Emergency services are always covered at the in-network benefit level. **Dermatologist visits, eye exams (both routine and diagnostic) and physical therapist visits don%u2019t require a referral from your PCP.3. Compare the costs of each plan, including premiums, deductibles, copays and coinsurance. Premiums aren%u2019t the only cost to consider. A plan with lower premiums may have a higher deductible, which means you%u2019ll have to pay more out of pocket before your health plan starts to pay. A plan with higher premiums may have a lower deductible and copays, meaning your expenses may be more predictable.Health Plan Premiums Deductible Copays Coinsurance NetworkTRS-ActiveCare Primary Lowest Mid-range Yes, before deductible After deductible StatewideTRS-ActiveCare Primary+ Highest Lowest Yes, before deductible After deductible StatewideTRS-ActiveCare HD Mid-range HighestNo. You pay all costs until you meet your deductible.After deductible Nationwide4. Compare the essential features of each plan to make sure you understand what it covers and how it works. CHOOSE THE HEALTH PLAN THAT%u2019S RIGHT FOR YOU 8 www.bcbstx.com/trsactivecare