Blue Cross Blue Shield of Texas -Types of Health Plans
To compare the three health plans of Blue Cross Blue Shield of Texas
, we will start with HMO plans. HMO plans have lower premiums and usually feature co-payments. HMO plans typically do not cover members that seek care outside of the network unless it is an emergency or it is authorized. However, with PPO and CDHP plans, members can receive care from doctors outside of the network. With PPO plans, the cost may be higher. With both PPO plans and CDHP plans, there is a higher deductible. Finally, CDHP plans require HSA-qualified plans that can be used to cover various medical expenses.
Blue Cross Blue Shield of Texas -Types of Health Plans