Blue Cross Blue Shield of Texas - Short Term Plan Information

Blue Cross Blue Shield of Texas offers Short term Health Insurance. This is a Preferred Provider Organization plan that provides temporary insurance for a member, their spouse and their children. This short-term plan offers deductibles and benefit periods that allow the individual to control their premium rates, coverage and their out-of-pocket expenses according to what they need and what their family members need. The coverage features of this plan include emergency care, diagnostic services, office visits, and prescription drug coverage. Members often use this plan if they are about to retire but are not yet Medicare-eligible or perhaps if they recently graduated.

To be eligible for the Texas Short Term Health Insurance plan of Blue Cross Blue Shield of Texas, individuals must be a resident of Texas. They must be 60 days old at least and under the age of 65. Parents who are not expecting children are also eligible, as well as dependent children who are not married and under 25 years of age, but older than 60 days old. In addition to these requirements, individuals applying for Short term health insurance must be a U.S. citizen or a non-U.S. citizen that has been living in the United States for at least two years.

Health insurance costs for Blue Cross Blue Shield of Texas include individual deductibles, as well as monthly payments, out of pocket expenses, drug coverage deductibles, coinsurance and co-payments. Co-payment fees for emergency room visits are waived if the individual is admitted to the hospital immediately following their emergency room visit. Members pay 20 percent of the allowable amount after a deductible with coinsurance. This insurance plan gives members the freedom to choose their hospitals and doctors. However, the member's out of pocket expenses will be less if they are using the services of hospitals and doctors within the network of Blue Cross Blue Shield.

Members of the Blue Cross Blue Shield of Texas short term health insurance plan will receive 24-hour worldwide coverage. They are able to choose their deductible amount, as well as their payment type and the length of their benefit period, which can be from one to six months. There is also prescription drug coverage. This program covers preferred, non-preferred and generic drugs. It may include a mail order prescription drug program, which offers a 90-day supply of any covered prescription drug for two co-payment amounts. A co-payment will apply once the deductible has been met based on the type of drug dispensed.