UT SELECT Medical Plan - Active Employee (2024)

FAQs

Is Health Select of Texas a PPO or HMO? ›

This indicates that you are in the HealthSelect network. It does not mean you are in an HMO. If you are enrolled in HealthSelect Out-of-State or Consumer Directed HealthSelect (Out-of-State), your ID card will show the acronym PPO which refers to the broader PPO network in other states.

UT offers one medical insurance plan, UT SELECT, a self-funded PPO plan, administered by Blue Cross and Blue Shield of Texas. If you use a network doctor, you will receive the highest level of benefits, pay much less out-of-pocket, and will usually not have to file any claims.

HME: Home Medical Equipment. DMEPOS: Durable Medical Equipment, Prosthetics, Orthotics and Supplies.

If you want to cancel our off-Marketplace plan, we can process that cancellation for you. Call Customer Service at 800-538-8833. You can also log in to your Blue Access for Members account and send us a secure email message. A policy will also automatically be cancelled for nonpayment if you don't pay the premium.

HealthSelect of Texas is available to employees who live or work in Texas. HealthSelect^SM Out-of-State is available to employees who live or work outside of the State of Texas. Prescription drug coverage is provided through the HealthSelect Prescription Drug Program, which is administered by Express Scripts.

HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.

The HealthSelect of Texas point-of-service plan usually has lower upfront out-of-pocket costs. You must choose an in-network primary care provider (PCP) to coordinate your care, including getting referrals to specialists.

The University of Texas at Austin offers a comprehensive benefits package that includes medical insurance with prescription drug coverage, $50,000 in group term life (GTL) and $50,000 in accidental death and dismemberment (AD&D) coverage at no cost to eligible employees.

Medicare Select is a type of Medigap policy that requires insureds to use specific hospitals and in some cases specific doctors (except in an emergency) in order to be eligible for full benefits.

How can you tell what type of card is your insurance? ›

Plan Type Your card might have a label like HMO or PPO to describe the type of plan you have. These labels tell you what type of network your plan has, so you can see which providers are “in-network” for you.

HME—or home medical equipment—includes a range of durable medical equipment (DME) items that patients can use in the comfort of their homes rather than in a clinical setting.

Note: Texas insurance law defines a small employer as a business with two to 50 employees, regardless of how many hours the employees work. If you provide health insurance, you must offer it to all your employees who work 30 hours or more each week. You must also offer coverage for their dependents.

The Blue Cross and Blue Shield Association is a national federation of independent, community-based and locally operated Blue Cross and Blue Shield companies. Healthcare coverage is one of the most important decisions you make. Choose the card that opens doors in all 50 states.

Plan costs will vary by plan and metal tiers. Generally, PPOs have deductibles and higher copays than HMOs. HMOs don't have deductibles but do have copays. A premium is the amount a member pays to an insurance carrier each month for their health care plan.

A health maintenance organization (HMO) is a type of health plan that provides care to members through a network of doctors, hospitals, and other providers. The providers in an HMO's network have agreed to treat HMO members at a discounted rate.