Your Health, Your Way: choose the HealthSelect medical plan that's right for you

Choosing a health plan and making decisions about how to move toward better health isn’t always easy. Sometimes it’s hard to even know where to start! That’s why this year’s theme for the HealthSelect^SM medical plans is Your Health, Your Way. If you’re changing medical plans, enrolling in a new plan or adding a dependent during the two-week Summer Enrollment phase assigned to you, your election for Plan Year 2023 will be effective on Sept. 1, 2022.

Use the resources below to choose Your Health, Your Way.

• Your Health, Your Way brochure explains health plan options, changes to medical benefits and how to access important resources. QR codes and links throughout the brochure will give you easy access to important information on the HealthSelect website. 
• Your Health, Your Way webpage is your best resource for HealthSelect Summer Enrollment information.
• PY23 health plan comparison chart provides side-by-side plan details for comparison.
• HealthSelect of Texas^® Summer Enrollment presentation provides an overview of the HealthSelect of Texas and HealthSelect^SM Out-of-State plan benefits.
• Consumer Directed HealthSelect^SM Summer Enrollment presentation provides an overview of the Consumer Directed HealthSelect plan.

Here’s what’s new for Plan Year 2023:  

• Update to benefits for colonoscopies. As a reminder, preventive care, including colonoscopies and stool-based screenings, are covered at no cost to you. Starting Sept. 1, 2022, follow-up colonoscopies and related services received after a positive screening are covered at no cost to you when you use an in-network provider and facility. 
• Update to benefits for diagnostic breast imaging. Starting Sept. 1, 2022, in-network breast imaging services--including screening and diagnostic mammograms, ultrasounds and MRIs--are covered at no cost to HealthSelect of Texas and HealthSelect Out-of-State participants. Additionally, breast MRIs will no longer require prior authorization. Out-of-network services will continue to be covered at 40% after you meet your annual deductible. As a reminder, you are responsible for any charges not paid by your plan when you use an out-of-network provider or facility. 
  In Consumer Directed HealthSelect, coverage for diagnostic mammograms will include MRIs starting Sept. 1, 2022. Deductibles and coinsurance will apply unless your provider bills the diagnostic breast imaging  as preventive. 
• Increase in total in-network out-of-pocket maximum. Effective Jan. 1, 2023, the total in-network annual out-of-pocket maximum will increase for all HealthSelect plans, including Consumer Directed HealthSelect. The out-of-pocket maximum will increase to $7,050 for employee-only coverage and $14,100 for family coverage. If you reach the out-of-pocket maximum in a calendar year, the plan will pay 100% of your eligible in-network health costs until the end of that calendar year—as a way to protect you from very high health costs. The out-of-pocket maximum includes expenses you pay toward in-network medical and prescription drug copays, coinsurance and deductibles. (In-network deductibles apply only to the Consumer Directed HealthSelect plan.)  

Remember: It pays to stay in-network! There is no out-of-pocket maximum for out-of-network care.

Find more information about HealthSelect medical plans and benefits changes on the HealthSelect website or call HealthSelect customer service at BCBSTX toll-free at (800) 252-8039 (TTY: 711). BCBSTX Personal Health Assistants are available to answer your questions Monday-Friday, 7 a.m. - 7 p.m. and Saturday, 7 a.m. - 7 p.m. CT.