Save Time and Money if You Go Out-of-Network
Even if you do not go to a Preferred Provider Organization network, Blue Cross and Blue Shield of Texas (BCBSTX) health insurance plans contract with a number of physicians, facilities and other providers outside the network to help you save money and time when you visit. Inside Texas, this program is known as ParPlan. Nationwide, the program is known as the Traditional Indemnity Network, or a single direct payment arrangement.

If you go out-of-network, your out-of-pocket costs will be higher than if you use a network provider. But if you use a ParPlan/Traditional Indemnity Network provider, you usually won't have to file your own claims, and your provider won't bill you for any charges that exceed allowable amounts.

ParPlan/Traditional Indemnity Network providers agree to:

• File members' claims
  
• Accept BCBSTX allowable amounts for covered services
  
• Cooperate with BCBSTX utilization review activities

When you visit a ParPlan/Traditional Indemnity Network provider, you:

• Pay your deductible and coinsurance, when applicable
  
• May have to preauthorize your own care when required
  
• Usually avoid paperwork because claims are generally filed for you

Find a ParPlan provider in Texas.
Find a Traditional Indemnity Network provider nationwide.

[Top of Page]