Employers may now offer more than one health coverage option to employees through a Multiple Option Product (MOP) or Dual Option PPO.

Multiple Option Product (MOP)
This program allows employers to offer two health coverage options at enrollment: An HMO plan provided by HMO Blue Texas, and a BlueChoice PPO plan. The advantages of the Multiple Option Product include:

• A choice of health care plans for members: HMO Blue Texas or a BlueChoice PPO plan.

• Health care coverage options that may lower the overall member cost for benefit expenses.

• Urgent Care and Guest Membership privileges for HMO members.

• BlueCard Program which provides access to PPO provider discounts nationwide for BlueChoice participants.

Dual Option PPO
This program allows employers to offer coverage options at enrollment: A PPO plan with richer benefits, combined with a PPO plan with a lower level of benefits, provide members with a choice, while maintaining the large PPO network and out-of-network benefit feature with a PPO. The advantages of the Dual Option PPO include:

• A choice of health care plans for members: A BlueChoice PPO plan with a higher level of benefits or PPO plan with lower level of benefits.

• Health care coverage options that may lower the overall member cost for benefit expenses.

• Large PPO network available with either PPO plan selected.

• BlueCard Program which provides access to PPO provider discounts nationwide for BlueChoice participants.

Ask your local Blue Cross and Blue Shield of Texas marketing representative for details to enhance your product portfolio by including an HMO/PPO combination (referred to as MOP) or a combination of two PPO plans (referred to as Dual Option PPO).