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Hello and welcome! Understanding how your health insurance works can be confusing. We want you to be happy with the service you receive from us here at Blue Cross and Blue Shield of Texas, and we are dedicated to making sure that your coverage is transparent so you know where your health care dollar goes. In this “Cost of Care” series, we will be discussing the cost of health care in pieces, and breaking them down so it’s easier for you to understand. We hope that talking about where your monthly payment goes will help you to understand and be more comfortable with the cost of care. At the end of this series, you’ll see how the breakdown of your monthly payment works to cover your doctor’s appointments, hospital visits, prescription drugs, physical therapy, durable medical equipment like wheelchairs, medical tests and more.
We also hope that engaging in this fun series will leave you empowered to use your health insurance wisely and feel satisfied with the amount of coverage you get for the payments you make every month. We’ll show you how if you have a higher cost every month upfront, you may get more coverage when you need it. On the flip side, if you choose a less expensive plan upfront, you’ll pay more out of pocket if you get hurt or sick. We want you to know why it works that way. Maybe this information will even help to shape how you choose to buy your health insurance next year, or help you decide to start investing in your health this year. We want you to be safe and be covered so you have a better quality of life with the peace of mind that you will be taken care of if a major health incident happens in your life.
Throughout the series please feel free to engage us with your questions, comments and concerns. We encourage you to get every uncertainty on the table so you will feel more confident in the coverage you are receiving from us.
Next up, Where do My Payments Go?
Hello Mark, You can contact our sales department at 888-731-0383 to see if there are any available plans that better fit your needs. ~ Kayla
Knowing we have a possibility of change coming.... I would like to make a comment regarding our current health care insurance cost. At present out BCBS Tx policy for my wife an I monthly premium is $1962.68. On an annual base this is one half our current early retirement budget. This value is not sustainable for two healthy adults living in east Texas. We both have some basic medication that do not meet the annual deductible. Making 1962.68 * 12 + 3500 deductible = $27,052.16 outside of our sustainable budget. How do we get this value lowered so that we can enjoy retirement.
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