Discover BCBS PPO Plans in Texas for Affordable Health Insurance

If you're looking for affordable health insurance in Texas, Blue Cross Blue Shield (BCBS) PPO plans are definitely worth considering. BCBS PPO plans in Texas offer a wide range of coverage options.

One of the best things about BCBS PPO plans is that they allow you to see any doctor, hospital, or specialist you choose, both in and out of network. This gives you the freedom to choose your own healthcare providers.

BCBS PPO plans in Texas typically include a network of healthcare providers that have agreed to reduced rates with BCBS. This can help keep your out-of-pocket costs lower.

With BCBS PPO plans, you pay a fixed copayment for doctor visits, and a percentage of the costs for hospital stays and other services.

SelecTEMP PPO is an affordable short-term health insurance plan from BlueCross BlueShield of Texas that provides individuals and families temporary health coverage.

This plan offers various benefit periods, ranging from 30 to 365 days, to give you the control to tailor coverage according to your own needs.

The plan utilizes the BlueChoice PPO network of doctors and hospitals, providing you with a wide range of healthcare options.

SelectTemp PPO is an affordable short-term health insurance plan from BlueCross BlueShield of Texas. It provides individuals and families with temporary health coverage.

This plan offers various benefit periods and deductibles to give you control over your coverage, premium rates, and out-of-pocket expenses. You can choose a benefit period that suits your needs, ranging from 30 to 365 days.

The SelectTemp PPO plan utilizes the BlueChoice PPO network of doctors and hospitals, providing access to a large network of healthcare providers. This network includes some of the best doctors and hospitals in Texas.

Here are some key features of the SelectTemp PPO plan:

BCBS of Texas cut its individual PPO plans, affecting hundreds of thousands of Texans.

The insurer's chief medical officer, Dr. Dan McCoy, says the PPO plans under the Affordable Care Act were hemorrhaging money, resulting in a $400 million loss.

This loss made the plans unsustainable.

Texans like Bryna Thomson and her husband, who were paying $220 a month for a PPO plan, are now scrambling to find alternative insurance.

The only alternative for them is an HMO, but their pediatrician won't take the plan because she'd have to work for lower rates.

Insurance companies like BCBS are prohibited by law from earning more than 15 percent in profit.

However, health care providers and pharmaceutical companies have no profit cap.

SelecTEMP PPO is an affordable short-term health insurance plan from BlueCross BlueShield of Texas that provides temporary health coverage for individuals and families.

This plan offers various benefit periods and deductibles to give you control over your coverage, premium rates, and out-of-pocket expenses. You can choose from 30 to 365 days of coverage.

The SelecTEMP PPO plan utilizes the BlueChoice PPO network of doctors and hospitals, which is one of the largest PPO networks in Texas.

Here are some key features of the SelecTEMP PPO plan:

Blue Cross Blue Shield of Texas is part of a nationwide association of 36 independent companies that have been at the forefront of the healthcare industry for over 80 years.

Their dedication to quality healthcare is evident in their wide network of healthcare providers, which is a testament to their commitment to delivering top-notch care.

With over 80 years of experience, Blue Cross Blue Shield of Texas has learned how to tailor their insurance products to the diverse needs of Texans, ensuring that everyone has access to comprehensive coverage options.

As a reputable and reliable provider, Blue Cross Blue Shield of Texas is the perfect partner for Custom Health Plans, offering a wide variety of insurance products that cater to the unique needs of each individual.

BCBS PPO plans provide flexibility, allowing you to visit any specialist without a referral. You can also choose to see out-of-network providers, but using in-network providers will result in lower out-of-pocket costs.

BCBS offers three types of plans: HMO, EPO, and PPO. Each plan has its own unique features and benefits.

Here's a brief overview of each plan:

The PPO plan is a good option if you want the most flexibility in choosing your healthcare providers. With a PPO plan, you can visit any specialist or see out-of-network providers, but you'll need to pay more out-of-pocket.

Let's break down the plan details for BCBS PPO plans in Texas. BCBS PPO plans have a network of healthcare providers, including primary care physicians, specialists, and hospitals.

You can choose any primary care physician within the network, and you won't need a referral to see a specialist. BCBS PPO plans offer out-of-network coverage, but you'll pay more for services.

There's a deductible and copay for prescription medications, with a maximum out-of-pocket limit for the year. BCBS PPO plans have a wide range of coverage options, including dental and vision.

You'll have to pay a copay for doctor visits and hospital stays, but the copay amount will depend on the specific plan you choose. BCBS PPO plans also offer wellness programs and discounts for healthy habits.

Your PPO plan has a specific network of healthcare providers you can use for care, known as your PPO network. This network includes doctors, hospitals, clinics, pharmacies, labs, imaging centers, and medical equipment vendors.

You can get care from providers not in your plan's network, but you'll pay more for out-of-pocket costs. This is a good option if you need to see a specialist or have a specific condition that's not covered by your network providers.

To find out if a provider is in your network, search Provider Finder, our online directory. This tool allows you to see which doctors, hospitals, and other providers accept members in certain health plans.

You can search by your plan name to see all the providers in your health plan's network, or search for specific providers you want to use to see which health plans they accept. This helps you make informed decisions about your care and costs.

Provider Finder also includes a cost estimator to help you find costs for general health visits, specific procedures, and other services. This is a valuable resource for planning your care and managing your expenses.

To access Provider Finder and other personalized tools, register or log in to Blue Access for Members, our secure member website.

Using your PPO plan can be a bit overwhelming at first, but don't worry, we've got you covered. You may need to get pre-authorization (or pre-notification) from BCBSTX before getting certain tests or services.

To do this, your doctor's office will call the pre-authorization number on the back of your BCBSTX member ID card to confirm. You can also call before you go for care or to confirm your doctor's office has gotten the needed authorization.

For non-emergencies, you have a few options to get care, and these are less expensive than going to the emergency room. You can visit a primary care physician, an urgent care center, or even a retail clinic.

In an emergency, always call 911 or go to the nearest emergency room, even when traveling out-of-state or abroad. You won't have to pay the higher out-of-network deductible and coinsurance if it's an emergency.

To find in-network providers and hospitals, you can search Provider Finder. You don't need a referral to see a specialist or behavioral health care provider, or to visit a hospital.