Blue Cross Blue Shield of Texas Delivers Both Name ID and Performance

Blue Cross Blue Shield of Texas Delivers Both Name ID and Performance

Quick! When you think of health insurance companies what's the first name that pops into your head? For most people its Blue Cross Blue Shield of Texas, been that way for almost 100 years. They are the brand name in the industry and I don't see that changing any time soon. But why?

BCBS of Texas has always been at or near the top in the quality of their benefit offerings with product ranges from their PPO doctor co-pay plans, their catastrophic plans to their ultra competitive high deductible HSA plans. Their HSA plan is where the crush their fellow health insurance companies and I do mean CRUSH.

A quick recap of what a high deductible HSA plan is: The plans were approved back in 2003 to allow a few limited tax advantages for medical expenses. Unlike traditional PPO Doctor co-pay plans there is only a single deductible and out of pocket for a family, unlike traditional plans that have deductibles per person. There are no co-pays on HSA compatible plans, everything applies to the deductible. The best part about these plans is the monthly premium is about $200 less than the co-pay plans. Blue Cross Blue Shield of Texas HSA plans are also pricing in about $100 month lower than their closest competitor in the high deductible market.

They also offer PPO doctor co-pay plans that are right in line with the market for those consumers that still feel the need of co-pays however they don't control this market. Yet. I expect soon with the passage of health care reform they may be the dominate player there as well.

Another market that they seem to control is the catastrophic market. Catastrophic policies have no co-pays for doctor visits, everything goes toward the deductible and the deductible is per person, causes the maximum out of pocket to be higher than the HSA plans but in some cases you will find very affordable rate structure.

From a customer service standpoint I feel they more than meet their client's needs as they are still one of the few companies that I see going the extra mile is friendly service and intelligent staff. Another factor that needs to be considered is their extensive doctor network will generally have every doctor in network throughout the country.

If you are in the market for new coverage due to a rate increase from your current policy or you are like many Texans finding coverage ending due to job loss or change take a look at Blue Cross Blue Shield of Texas. They are the first name you think of in health insurance for a reason.

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