Blue Cross and Blue Shield of Texas (BCBSTX) offers a Preferred Provider Health Insurance Plan (PPO) and Health Maintenance Organization (HMO) Small Group Employer Consumer Choice health plans as mandated by the Texas Insurance Code. The Consumer Choice Options are:

Consumer Choice PPO Plan
If you choose a Consumer Choice PPO Plan through BCBSTX, you may access the BlueChoice network, one of the largest provider networks in the state. Members should seek care from BlueChoice network providers to receive the highest level of benefits. Or, you may choose to seek care from a non-network provider or a ParPlan provider and receive a reduced level of benefits.

The Consumer Choice PPO Plan does not include, in whole or in part, coverage for the following health care benefits as mandated by state law:

• Treatment of Chemical Dependency
• Prescription Contraceptive Drugs and Devices and Related Drugs (Oral Contraceptives not excluded)
• In-Vitro Fertilization
• Serious Mental Illness (non-public entities only)
• Speech and Hearing
• Home Health Care
  

Consumer Choice HMO Plan
If you choose a Consumer Choice HMO Plan through HMO Blue Texas, you must access the HMO Blue Texas network of providers for services to be covered. If you receive care from a network provider other than your Primary Care Physician (PCP) and are not referred to that network provider by your PCP or if you receive services from a non-network provider, those services are not covered.

The Consumer Choice HMO Plan does not include, in whole or in part, coverage for the following health care benefits:

• Treatment of Chemical Dependency
• Prescription Contraceptive Drugs and Devices and Related Drugs (Oral Contraceptives not excluded)
• In-Vitro Fertilization
• Serious Mental Illness (non-public entities only)
• Speech and Hearing
• Rehabilitation Services (other than for acquired brain injury)