About Blue Cross and Blue Shield of Texas
Blue Cross and Blue Shield of Texas (BCBSTX) is a notforprofit health insurance company that serves more than 4 million members across the state. Founded in 1929, it operates under the larger Blue Cross Blue Shield Association, a nationwide federation of health insurers. BCBSTXs mission is to improve the health and wellbeing of Texans by providing affordable, highquality health insurance and supporting community health initiatives.
The company is governed by a board of directors elected by its members, and any surplus earnings are reinvested into programs that lower costs, improve care, or enhance member services.
Plan Types Available
BCBSTX offers a wide range of plans to meet the needs of individuals, families, employers, and Medicare beneficiaries.
- Individual & Family Plans: PPO, HMO, and highdeductible health plans (HDHP) that qualify for Health Savings Accounts (HSAs).
- EmployerSponsored Plans: Customized group coverage, from small businesses to large corporations, with options for dental, vision, and life insurance addons.
- Medicare Options: Medicare Advantage (HMO/PPO), Medicare Supplement (Medigap), and Prescription Drug Plans (Part D).
- Medicaid & CHIP: Partnerships with state programs to provide coverage for eligible children and lowincome adults.
Provider Network
BCBSTX maintains one of the largest provider networks in Texas. Members can choose from:
- Over 150,000 physicians and specialists.
- More than 4,000 hospitals, including major academic medical centers such as Baylor St. Lukes and Texas Medical Center.
- Extensive pharmacy networks for both retail and mailorder prescriptions.
- Urgent care centers, outpatient surgery facilities, and telehealth services.
The innetwork label means lower outofpocket costs for most services. BCBSTX also offers a robust outofnetwork reimbursement system for members who need to see specialists outside the network.
Key Coverage Areas
Regardless of the plan you select, BCBSTX generally covers the following essential health benefits:
- Preventive care annual physicals, vaccines, screenings.
- Hospitalization inpatient stays, surgery, ICU care.
- Emergency services 24/7 ER visits, ambulance transport.
- Maternity and newborn care.
- Prescription drugs tiered formularies with generic and brandname options.
- Mental health and substanceuse treatment.
- Rehabilitative services physical therapy, occupational therapy.
- Laboratory and diagnostic imaging.
- Telehealth virtual visits with primary care providers and specialists.
Tip: Review your plans Summary of Benefits and Coverage (SBC) to see exact costsharing details such as deductibles, copays, and outofpocket maximums.
Member Resources & Tools
BCBSTX provides digital tools that make it easier to manage your health care:
- MyBlue a secure online portal where you can view claims, check benefits, and estimate costs.
- Mobile App download the app for appointment reminders, digital ID cards, and pharmacy refill requests.
- Doctor Finder search by location, specialty, language spoken, or gender preference.
- Cost Estimator get price quotes for common procedures before you schedule them.
- Wellness Programs access fitness discounts, smokingcessation support, and chroniccondition management classes.
Ready to explore your options?
Browse Individual & Family PlansContact Information
If you have questions about your coverage, need help finding a provider, or want to enroll in a new plan, you can reach BCBSTX through several channels:
- Phone: 1800BCBSTX (1800222789)
- Member Services Online: https://www.bcbstx.com/member
- Mail: Blue Cross and Blue Shield of Texas, P.O. Box 1798, Austin, TX 78767
- Social Media: Follow @BCBSTX on Twitter, Facebook, and Instagram for health tips and updates.
