Medical Insurance

Beginning 2014, the University will offer two types of medical coverage. The plan options are the Preferred Provider Organization (PPO) plan and a Preferred Provider Organization (PPO) + Health Savings Account (HSA). Both medical plans are managed by Blue Cross-Blue Shield of Texas.

The Blue Cross/Blue Shield of Texas (BCBS) Preferred Provider Organization (PPO) Blue Choice medical insurance plan provides access to a large national provider network but also offers the option of seeking services from out-of-network providers.

The medical plans are designed to help keep costs in control by paying a more substantial benefit for services that are rendered with in-network doctors, in Texas or Out-of-State, and facilities. International medical benefits are also available on our medical plan. Out-of-network services are covered at a reduced amount, and subject to Blue Cross Blue Shield of Texas's allowable cost. When receiving services from an out-of-network provider, you may be required to file the claim by submitting a medical claim form along with your provider's statement of service to the claims department at BCBS.

Routine eye exams are covered by using a BCBS network provider; however, eyeglasses/contacts are not covered. BCBS has contracted with Davis Vision to allow for discount vision benefits with participating Davis Vision companies (local participating companies are Vision Works and EyeMart). When receiving the discount benefit, request a comparison of the discount with promotions that may be offered at that time.

Blue Access for Members enables members to review the status of their claims, view their explanation of medical benefits and confirm who is covered under their plan. Members can receive an e-mail when Blue Cross and Blue Shield of Texas finalize their medical claims and opt to stop receiving paper copies of Explanation of Benefits. This online tool provides access to extensive health and wellness information, a health risk assessment, a personal health manager along with many more tools to manage your health.

For plan design comparison, please click here.

Costs
Baylor University and regular full-time faculty/staff share in the cost of medical premiums to cover the employee and their eligible family members.

Employee Premium Schedule
Explanation of How Medical Premiums are Determined

Enroll in the medical plan
To enroll in a BCBS medical insurance plan, complete the benefits enrollment application/change form. This form allows you to enroll or make changes to your medical and dental insurance plans, as well as provide authorization for payroll to deduct the pre-tax premium for coverage. New hires must complete the application to enroll within 30 days of hire. Enrollment changes must be made during open enrollment (November 1st - 30th) or within 30 day of a qualifying life event.

Additional Information
2011 Health Care Reform
Blue Cross/Blue Shield (BCBS) of TX Medical Policies/Procedures
Policies listed are not a guarantee of coverage. Contact BCBS customer service 800.521.2227 for coverage information.
Baylor Medical Policy (pdf)
HIPP Medicaid
If a member of your family is eligible for Medicaid, you may be eligible for a reimbursement of your medical premium. Click to see!
Your Guide to Enrolling in Medicare
Learn about some important decisions you'll need to make about your health care in the months before you turn age 65.