Maintenance Notification:
Blue Access for Members and quoting tools will be unavailable from 3am - 6am on Saturday, October 20.
We apologize for any inconvenience.
Maintenance Notification:
Blue Access for Members and quoting tools will be unavailable from 2am - 5am Saturday, October 20.
We apologize for any inconvenience.
Blue Cross and Blue Shield of Texas (BCBSTX) has been around for 90 years. We stand by our members as one of the most experienced health care coverage companies in Texas. Whether you live in Houston, San Antonio or any other city, we have you covered. See the Individual Health Plans and Family Health Plans in your area. We have three levels of health care plans available for 2019 – bronze, silver and gold. All of our plans provide essential health benefits. But, out-of-pocket costs for these benefits may vary by plan. Lowest premium costs Higher out-of-pocket costs when you receive care Higher premium costs than Bronze plans Lower out-of-pocket costs than Bronze plans Higher premium costs than Silver plans Lower out-of pocket costs than Silver plans Our plan brochure can help you make decisions about our health plans in Texas. Health plans, like HMOs, use certain groups of doctors, hospitals and other health care professionals. These are known as networks. The health care providers in each network offer a full range of covered services. Before you choose a health plan, you may want to check if your doctor or hospital is in the network. We have networks in Houston, San Antonio and all around Texas. If you visit a doctor outside of your network, you may have to pay more for your care. In some cases, you may have to pay the whole bill. While you may have heard about short-term plans (also known as temporary plans), they may not provide many of the benefits our health plans provide. Here are some of the main coverage differences between the two: Want to speak with someone? We’re only a phone call away. A licensed sales agent can help make sure you have the right plan with the right coverage. You may be able to get help paying for health care coverage costs. This assistance is based on your income and family size: We’re here to assist you! Select how we can help you get a 2019 health plan for yourself or family. Here are a few key things to know about your Individual Health Plan or Family Health Plan: 2019 Individual and Family Health Insurance Plans
View Plans and Pricing
Plan Levels
Bronze Plans
Compare Bronze Plans
60%
40%
Silver Plans
Compare Silver Plans
70%
30%
Gold Plans
Compare Gold Plans
80%
20%
Plan Networks
Blue Advantage HMOSM
Blue Advantage Plus HMOSM
Premium
May mean lower out-of-pocket costs than Blue Advantage Plus HMO SM.
May mean lower out-of-pocket costs.
Available Plan Levels
Is My Doctor in This Network?
Find an in-network doctor
BCBSTX Plans VS. Short-Term Plans
Plan Features
BCBSTX Plans
Short-Term Plans1
Pre-existing conditions
May not cover
Preventive services
May not cover
Prescription drugs
May not cover
Maternity care
May not cover
Mental health services
May not cover
To make sure you are covered, shop for a BCBSTX plan before Open Enrollment (OE) ends on Dec. 15.Financial Assistance
We Can Help You Find a Health Plan
BCBSTX Health Coverage Features
All of our HMO health plans in Texas cover these essential health benefits and services:
Staying in touch with your doctor can help you focus on staying your healthiest. With the Affordable Care Act (ACA), most health insurance plans must cover a range of preventive care services with no in-network, out-of-pocket costs. These services are certain screenings, immunizations, and other types of care, like:
You may pay more for your care if you visit a doctor outside of your network. You can find in-network doctors and hospitals using our online Provider Finder®.
Here are three ways you can access non-emergency care 24 hours a day, seven days a week:
You may get help with paying for your prescription drugs. Based on your health plan, you may either pay a set amount (copayment) or a percentage (coinsurance) of your drug costs. Check your prescription plan for your costs.
Your prescription drug coverage has:
See the Individual Health Plans and Family Health Plans in your area.
Analysis: Most Short-Term Health Plans Don't Cover Drug Treatment or Prescription Drugs, and None Cover Maternity Care 
KFF (Henry J. Kaiser Family Foundation); What to Know Before You Buy Short-Term Health Insurance , The New York Times
Internet/Wi-Fi connection is needed for computer access. Data charges may apply. Check your cellular data or internet service provider’s plan for details. Non-emergency medical service in Idaho, Montana and New Mexico is limited to interactive audio/video (video only), along with the ability to prescribe. Non-emergency medical service in Arkansas is limited to interactive audio/video (video only) for initial consultation, along with the ability to prescribe. Behavioral Health service is limited to interactive audio/video (video only), along with the ability to prescribe in all states. Service availability depends on location at the time of consultation.
Virtual Visits, Powered by MDLIVE may not be available on all plans. Virtual Visits are subject to the terms and conditions of your benefit plan, including benefits, limitations, and exclusions. MDLIVE operates subject to state regulations and may not be available in certain states. MDLIVE is not an insurance product nor a prescription fulfillment warehouse. MDLIVE does not guarantee that a prescription will be written. MDLIVE does not prescribe DEA-controlled substances, non-therapeutic drugs and certain other drugs that may be harmful because of their potential for abuse. MDLIVE physicians reserve the right to deny care for potential misuse of services.
MDLIVE operates and administers the virtual visit program and is solely responsible for its operations and that of its contracted providers. MDLIVE and the MDLIVE logo are registered trademarks of MDLIVE, Inc. and may not be used without written permission.
Blue Cross®, Blue Shield® and the Cross and Shield Symbols are registered service marks of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans.
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Sales Questions and Additional Plan Information:
1-888-731-0406
Calls may or may not be answered inside the United States.
Monday – Friday: 8 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 6 p.m. CT
Sunday: 10 a.m. – 2 p.m. CT
Customer Service:
1-888-697-0683
Calls may or may not be answered inside the United States.
Monday – Friday: 7 a.m. – 8 p.m. CT
Saturday: 8 a.m. – 5 p.m. CT
Sunday: Closed
Already a member?
Call the Customer Service number on the back of your member ID card.
