Knowing health insurance basics can help you and your family find a health care plan that fits your budget and needs.
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- Home
- Find Care
Where You Go Matters
- Know Your Network
- Choosing Health Care Options
- Tips to Find a Doctor or Hospital
- Utilization Management
- What Is An Emergency
- Understanding Health Care Costs and Quality
- Provider Finder -Network Selection Criteria
- Provider Information Validation
- In-Network Provider Options
- HMO Provider Network Important Information
- Shop Plans
About Our Plans
Individual and Family
Dental & Vision
Life & Disability
Consumer-Directed Health Accounts
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Pharmacy and Prescription Plans
Pharmacy
- Insurance Basics
Understanding Health Insurance
How Health Insurance Works
Importance of Health Insurance
- Member Services
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Quick Links
Policy Documents
Forms
New Member
- Employers
- Producers
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- Company Information
Insurance Basics
Type of Plans
Blue Cross and Blue Shield of Texas (BCBSTX) offers many health plans.
- HMO: A Health Maintenance Organization keeps costs low by working with your primary care doctor for any needs and specialty referrals
- PPO: A Participating Provider Organization lets you choose where you go for care without needing referrals or in-network providers
- CDHP: A Customer-Driven Health Plan gives you more control of your health care costs and is most often paired with a health savings account
Health Insurance Costs
Learn what premiums, deductibles, copayments and coinsurance are and how they work together for your coverage.
Member Tools
Learn about the BCBSTX tools that can help you best use your plan, like Provider Finder, Form Finder and Blue Access for MembersSM.
Financial Assistance
You may be able to save on your monthly bill with a premium tax credit, also known as a subsidy. Find out how much you could save with our Premium Tax Credit.
Last Updated: Feb. 01, 2023