Network Benefits

Benefit level of HealthSelect of Texas^® that requires a participant to choose and use a primary care physician (PCP) from the HealthSelect of Texas network of providers, and usually has lower out-of-pocket costs than non-network benefits.

In-area coverage

Benefit level in HealthSelect of Texas for a participant who lives or works in Texas and isn't eligible for Medicare. In-area participants are eligible for network or non-network benefits.

• Network benefits have lower out-of-pocket costs, and you must select and use a primary care physician (PCP) from the HealthSelect of Texas network of providers.
• Non-network benefits have higher out-of-pocket costs, and allows you to use out-of-network physicians or providers.

Out-of-state coverage

Benefit level of HealthSelect of Texas that does not require you to use a primary care physician. Applies to participants living outside of Texas, and retirees age 65 and over who have not returned to state employment.

Note: Once you turn age 65 and are Medicare-eligible your coverage changes to HealthSelect out-of-area coverage, regardless of where you live.