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You may have heard that premiums, copays and deductibles are all things you need to consider when choosing the best health plan for you or your family. Did you also know you should think about the plan’s provider network? Here's why.
While there are other types of health plans, the two most common are HMOs and PPOs. An HMO may have lower monthly premiums, but you'll choose a primary care physician (PCP) to direct your care within the network. You'll need a referral from your PCP to see a specialist. In a PPO plan, you may pay a higher premium. But have more freedom to choose doctors and hospitals without a referral.
Because this can be a big factor in your medical visits, here are some questions to consider as you choose your health plan
Insider's Tip: Use the BCBSTX Provider Finder® online tool to see doctors, hospitals and urgent care centers that are in network for the plan you are considering. Provider Finder is also the place to check for doctors and any specialists you need to see after you have coverage.
Originally published 12/10/2014; Revised 2020, 2022, 2024
Cathy - please send us a private msg & someone on our team will let you know what you need to do based on your specific benefit plan. - HeatherR
Is there a form I need to complete for CPAP supplies?
Hi Tracy, please feel free to send us a private message and we will be happy to look into your covered benefits. - AC https://connect.bcbstx.com/ask-bcbstx/f/questions-and-answers