Blue Cross
Blue Shield of Texas has become one of the most trusted names in health
insurance. Providing coverage for more than 88 million people - that's one
of every three Americans - Blue Cross Blue Shield of Texas works with more
hospitals and physicians than any other insurer in the country. Blue Cross
Blue Shield of Texas is actually an association of insurance companies that
represent Blue Cross in their regions.
For
Texas residents, the non-profit health care provider Blue Cross Blue Shield
of Texas offers health care to meet their financial and medical needs.
You can choose from both HMO and PPO plans to get the health care you want
at a price you can afford. Just run our instant quote to see complete plan
details and rates in your area.
With
PPO plans, you are free to visit any preferred or non-preferred doctor, and
any network specialist without a referral. Costs are lowered by in-network
rates when you use network-sponsored providers. Set up the Shield Spectrum
PPO Savings Plan to work with a health savings account, and you'll have even
more control over your health care dollars. That helps you to reduce your
income taxes, lower your premium, and build a tax-deferred investment account.
The
HMO plans tend to offer lower prices for medical services including lower
out-of-pocket expenses, no lifetime maximums, lower office visit copays, and
lower deductibles. Even access to dental care providers is available.
Rate
Information:
Rates vary
based upon zip code, age, and effective date. Please run an instant
quote to see available plans and rates in your area.
Network:
Anthem Blue
Cross of Texas gives you access to one of the largest networks in Texas,
with thousands of health care providers throughout the state. Having
access to the PPO network can mean substantial discounts in what you pay
for your health care, even before you meet your deductible.
The large list of doctors and hospitals can be viewed at their online
directory.
Underwriting:
Anthem Blue
Cross has one of the easiest, most efficient underwriting teams in the industry.
The process is very fast if no medical records are needed. While
it is always a good idea to apply at least three weeks prior to the time
you need your new coverage to take effect, some applications that are done
online are approved by Anthem Blue Cross within 24 hours.
The
company does have the right to accept or decline any individual or family
application. Certain conditions may be waivered with a temporary rider
(usually for one to two years), or an indefinite rider. If you are
currently being treated for depression, anxiety, or high cholesterol, please
let us know before you apply so we can make sure there are no delays in
getting you covered.
Effective
dates:
The coverage
can go into effect in as quickly as 24 hours, though you risk being declined
if claims are submitted before the underwriting process is completed. You
may request an effective date any time the date after you sign the application
and 60 days later. Please note that you will be billed starting on
your requested effective date, even if you have not yet been notified that
you have been approved. This is very good for someone who does not
have any present coverage and would like for their benefits to begin right
away. For those who are already covered, it is suggested that you
maintain your current coverage in force until you have received notice from
either eTXHealthinsurance
or directly from Blue
Cross Blue Shield of Texas that your coverage has been approved and is in
force.
Your
earliest possible effective date will be the day after Blue Cross Blue Shield
of Texas has received all the necessary documents and information needed
to process your application.
How
to Apply:
Simply run
an instant quote
and select the plan you are interested in. Then select to apply
online or download the application, fill it out and fax it in to
us. We will then stay in touch with your during the underwritting
process to keep you informed of the progress.
About
Blue Cross Blue
Shield of Texas:
Blue
Cross Blue Shield of Texas has been serving the health care needs
of Texan since 1937. Blue Cross Blue Shield of Texas, together with
its branded affiliates, provides health care services to more than 6.8 million
members.
Blue
Cross Blue Shield of Texas has been assigned a rating of "A"
(Excellent) from the A.M.
Best Company, an independent insurance rating organization.
eTXHealthinsurance
is an independent authorized
Blue Cross Blue Shield of TX agent.
