Plans for People Like You

Finding the right health insurance plan may seem complicated, but it's simpler when you look at where you are now in your life. Then it's just a matter of choosing the plan that best meets your needs.

Discover the right health insurance plan here.

Just select the picture that represents the closest match to your life situation, and we'll recommend health insurance plans based on your likely needs and budget.

• Are you looking for health insurance for you and your family?
• Just starting out together and need insurance?
• Maybe your children are grown and you and your spouse want new coverage.
• Do you need to supplement your Medicare coverage?
• You may only need health insurance for yourself.
• If you're between jobs, you may need temporary health insurance.
• Are you a small business owner investigating coverage options to offer your employees?

With our range of health insurance options, we have a plan that's right for you.

When looking for health insurance for your family, you need a health insurance plan that will help ensure that your health care needs are met. You want the works from your health insurance plan, just like what you would expect from group coverage you might have through an employer.

If you have a family, you may need:

• Low doctor's office visit co-pays
• Coverage for emergency room visits
• Well-child and well-adult care

Recommended health insurance plan:

Comprehensive Insurance Plan

PPO Select^® Blue Advantage is a good choice for families with children because:

• Wellness visits are covered
• 100% coverage in or out of network for childhood immunizations up to age 8
• Co-pays for generic drugs are as low as $10 for a 30-day supply

As with all individual and family plans from Blue Cross and Blue Shield of Texas, you have access to a large network of doctors and hospitals. The BlueChoice^® network allows you to save on premiums and the cost of covered services when you use a contracting BlueChoice hospital, doctor or specialist. You do not need to select a primary care physician or obtain a referral to see a specialist.

For a long time, your lives have focused on your children. Now that they're safely on their own, it's time to start thinking about your future together again. You need to protect your retirement funds. And, as you get older, reliable and broad health insurance coverage is more important than ever.

If you're a mature couple with no dependents, you need:

• Annual wellness visits to check your health regularly
• Coverage for emergency room visits
• Prescription drug coverage
• A way to set aside money for unexpected health care expenses

Recommended health insurance plan:

Health Savings Account (HSA) Compatible Plan

BlueEdge^SM Individual HSA is a good choice for you because:

• Preventive care and wellness visits are included
• Out-of-pocket costs are reasonable

As with all individual and family plans from Blue Cross and Blue Shield of Texas, you have access to a large network of doctors and hospitals. The BlueChoice^® network allows you to save on premiums and the cost of covered services when you use a contracting BlueChoice hospital, doctor or specialist. You do not need to select a primary care physician or obtain a referral to see a specialist.

Budget-conscious? A low-cost health insurance plan may be right for you

If you're young and healthy with no past health issues, you may feel as though you don't need health insurance. Everybody needs a safety net from the potentially high cost of health care services. The good news is that a high-deductible health insurance plan with low premiums may be right for you. You can also take full advantage of preventive care, online account management, member discounts, our Fitness Program and other programs.

Recommended health insurance plan:

Health Savings Account (HSA) Compatible Plan

BlueEdge^SM Individual HSA is a good choice for you because:

• This high-deductible insurance plan affords you low monthly premiums
• You can use pre-tax dollars for qualified medical expenses
• You are willing to take control of some of your own expenses with an HSA account
• It includes preventive care and wellness

It's an exciting time in your life. Having just started your lives together, it's important to start thinking about your priorities. Although you're both young and healthy, you need health insurance coverage to protect against the high cost of health care services, should you need them. Your coverage needs to be affordable, so you can save, build your income and plan for the future.

If you're a young couple just starting out in life, you likely want:

• Affordable premiums
• High deductibles
• Annual wellness check-ups

If you're a young couple just starting out in life, you likely need:

• Affordable premiums
• The ability to customize according to your needs

Recommended health insurance plan:

Comprehensive Health Insurance Plan

PPO Select Saver^® is a good choice for you because:

• You get great coverage at an affordable premium
• The low premium makes it easier to save for your new priorities

As with all individual and family plans from Blue Cross and Blue Shield of Texas, you have access to a large network of doctors and hospitals. The BlueChoice^® network allows you to save on premiums and the cost of covered services when you use a contracting BlueChoice hospital, doctor or specialist. You do not need to select a primary care physician or obtain a referral to see a specialist.

If you need to find coverage for you and your family as well as for your employees, you need options that help your bottom line. You also want to offer your employees valuable benefits and help them stay healthy.

You probably need:

• Coverage for employees of all ages, including coverage for prescription expenses
• Online account management, including bill payment
• Programs to help keep your employees healthy

Contact an agent for more information about small group health insurance coverage options or to get a quote.

You've worked hard all your life. When it comes to your health care, you want a plan that's going to deliver what you need. That means reliable coverage, helpful individual service and clear-cut answers to your questions about Medicare Supplement insurance and Medicare Part D prescription drug coverage. But mainly you want the best deal on coverage to keep your health care costs from depleting your retirement funds.

If you are 65 and enrolled in Medicare Parts A and B, you may need:

• Prescription drug coverage
• Protection against expenses Medicare doesn't pay
• Reliable coverage from a respected industry leader
• Affordable premiums
• Service you can count on

If you've recently been laid off, the clock may be ticking on health insurance coverage from your former employer. While you hope to find a new job soon, you need to fill your insurance gap now. Even though you and your family may be active and healthy with few medical issues, it's important that you protect yourself financially, especially during this time in your life.

Your Needs:

• Temporary coverage
• Coverage for office visits and emergency room care
• Prescription drug benefits

Recommended health insurance plan:

Temporary Coverage Health Insurance Plan

SelecTemp^® PPO is a good choice for you because:

• There are multiple benefit period options (maximum is eleven months)
• You get prescription drug coverage
• You get coverage for emergency care and inpatient and outpatient services

If you do not find employment by the time your temporary policy expires, you might consider purchasing a comprehensive long-term plan like PPO^® Select Choice.

You can always apply for PPO Select Choice or another long-term plan. Blue Cross and Blue Shield of Texas will apply any unused SelecTEMP PPO premium to your new health insurance plan premium.