Shopping can be good for your health – and your wallet
If you are an active employee and are enrolled in HealthSelect of Texas®, HealthSelectSM Out-of-State or Consumer Directed HealthSelectSM, you may be able to take advantage of HealthSelectShoppERSSM to save money on your medical care. (If you are retired or have Medicare as your primary medical coverage, you are not eligible participate in the program.)
HealthSelectShoppERS is a health care shopping and savings program that allows you to:
- Compare costs for many health care services and procedures
- Estimate your out-of-pocket costs
- Earn incentives for shopping for certain medical services and procedures
When you and your eligible dependents shop and choose lower-cost options for certain medical services or procedures, you can earn up to $500 in TexFlexSM health care flexible spending account (FSA) rewards each plan year.
Keep in mind that to be eligible for incentive, you have to be actively employed:
- when you shop for the service or procedure,
- when you get the service or procedure,
- when BCBSTX processes the claim. and
- when ERS processes your reward.
If you aren’t eligible at any point in the process, you will not earn an incentive. Depending on the time between shopping and getting care, the entire process could take months.
Here’s how it works: Mario’s journey
Mario, a HealthSelect of Texas participant, has been experiencing light-headedness and shortness of breath. His wife convinces him to schedule an appointment with his primary care provider (PCP). His PCP discusses his symptoms, family and health history and performs a thorough exam. It turns out Mario has a family history of Coronary Artery Disease (CAD) and his symptoms point to potential heart-related problems. The doctor recommends a heart specialist and submits a referral to Blue Cross and Blue Shield of Texas (BCBSTX) for an in-network doctor.
During his visit, Mario’s heart doctor performs some in-office tests and orders a cardiac CT scan to see if Mario has signs of CAD. He submits a request for prior authorization to BCBSTX to get approval for the CT scan.
Mario remembers seeing information about the HealthSelectShoppERS incentive program on the HealthSelect website and decides to log in to Provider Finder® and search for in-network imaging centers that could perform his CT scan.
He finds a lower-cost, in-network facility with high quality ratings and gets an estimate of his out-of-pocket costs. He chooses the facility, schedules his CT scan and is eligible to earn $100 in TexFlex health care flexible spending account (FSA) rewards.
Once the CT scan is completed and BCBSTX processes the claim, Mario will get the reward as a deposit in a TexFlex health care FSA that Employees Retirement System of Texas opens for him. Mario can use the $100 toward future FSA-eligible medical expenses like deductibles, copays, prescriptions or dental care.
Mario’s CT scan confirms he has CAD. His doctor prescribes him medication that will help manage his condition and discusses lifestyle changes that can help Mario feel better. Mario is determined to get a handle on his condition, so he also finds a self-management program in Well onTarget® that helps those living with CAD. He feels great about taking these steps to get healthy and about earning a reward in the process.
Find program details and resources on www.healthselectoftexas.com on the HealthSelectShoppERS page. You can also call a BCBSTX Personal Health Assistant toll-free at (800) 252-8039 (TTY: 711), Monday - Friday 7 a.m. - 7 p.m. and Saturday 7 a.m. - 3 p.m. CT.
If you have questions about a TexFlex FSA, contact TexFlex customer care, toll-free, at (844) 884-2364. Representatives are available from 7 a.m. to 7 p.m. CT, Monday-Friday, excluding holidays.