Value Product
Budget-conscious Insurance Plans
Are you looking for a health insurance plan that you can customize to suit your needs and budget? If so, our PPO Select Value® CareSM product may be right for you.
PPO Select Value® CareSM (policy form # PPO-IND-VALUE)
PPO Select Value® CareSM health insurance plans feature:
- Inpatient hospitalization services
- Medical and surgical expenses
- Childhood immunizations
- Preventive care services and doctor’s visits, such as routine physical examinations, well-child care and more
- Testing and screenings for specific diseases and medical conditions
- Three-tier prescription drug program
- The option for a child-only individual health insurance plan with affordable rates based on age
- Access to one of the largest provider networks in Texas, BlueChoice®
BlueChoice® network: You can save money on the cost of covered services when you use a participating hospital, doctor or specialist.
PPO Select Value® CareSM may be right for you if you are an individual or family who:
- Seeks comprehensive coverage at an affordable price
- Wants no deductible to meet
- Wants no copays
- Occasionally visits a doctor
PPO Select Value® CareSM provides different levels of out-of-pocket expense limits. These choices allow you to select the health insurance plan that best fits your budget. Compare the features, options and costs of our PPO Select Value® CareSM health insurance plans to find the one that’s right for you.
- Individual maximum out-of-pocket expenses ranging from $10,000-$30,000*
- Family maximum out-of-pocket expenses ranging from $20,000-$60,000*
- Copayments for consultative office visits and emergency care of 50 percent of allowable amount after deductible.
- Coinsurance—you pay 50 percent of allowable amount and the health insurance plan pays 50 percent of allowable amount*
- To see what your monthly payments would be, get a quick quote.
For more information on cost, including out-of-pocket expenses, see the Outline of Coverage document under What’s Included with PPO Select Value® CareSM, More Health Insurance Plan Details.
* These cost ranges represent in-network coverage only. Out-of-network coverage costs can be significantly higher. Your greatest coverage and savings are realized when you use the services of participating providers 
within the network.
- PPO Select Value® CareSM pays 50 percent of the allowable amount and you pay 50 percent of allowable amount for covered expenses when using a network provider
- Doctor office visits paid at 50 percent coinsurance
- Network providers will preauthorize your medical care
- Hassle-free claims processing—no claim forms to file in most cases
- Emergency room visits within 48 hours of accident paid at 50 percent coinsurance
More Health Insurance Plan Details
It’s important to know the features of the health insurance plan you are considering. Our Outline of Coverage document gives you brief descriptions of the basic details of our PPO Select Value® CareSM health insurance plans, as well as details on renewability, exclusions and limitations.
- Prescription drug coverage is included with this plan.
- Copayments for prescription drugs vary based on health insurance plan options you choose.
- You have the option to order your prescription drugs through the mail with our 90-Day Supply Program.
- View the individual health insurance plans Preferred Drug List to see if your prescriptions are included.
The following add-on coverage is available:
Dental Indemnity USA Plan Policy form # IND-DEN-2
The Individual Dental plan is available as an optional benefit with your Blue Cross and Blue Shield of Texas PPO Select Value® CareSM health insurance plan. There is an additional premium.
Some key features of add-on Dental Indemnity USA coverage include:
- Coverage can be used to provide dental benefits to an individual, spouse, children or any combination of dependents. Dental coverage will correlate with the type of health plan selected.
- A $50 deductible for each insured person for each calendar year.
- Maximum deductible amount of $150 for family coverage each calendar year.
- Deductibles do not apply to oral exams, cleaning, fluoride treatments, sealants and X-rays.
- Covered individuals must be enrolled for 12 months before receiving dental benefits in these categories; major restorative, periodontics, prosthetics and orthodontics.
See the Dental Indemnity USA Outline of Coverage 
for dental plans for more details on benefits and policies.
