You have the freedom to choose your own doctor at the point of service. No primary care physician (PCP) or referrals required.
Even if you visit a non-network doctor, you may still save money. Blue Cross and Blue Shield of Texas (BCBSTX) contracts with many out-of-network doctors and hospitals, called ParPlan providers. When using a ParPlan provider, you will receive the out-of-network level of benefits. However, Parplan providers accept the BCBSTX allowed amount. In most cases ParPlan providers will file claims, too.