SelectTemp PPO Plan
- Short-Term Health Insurance
SelectTemp PPO Overview
Our Rating: 
SelecTEMP PPO is an affordable short-term health insurance plan from Blue Cross Blue Shield of Texas that provides individuals and families temporary health coverage for individuals and families. It offers various benefit periods and deductibles to give you the control to tailor coverage, premium rates and out-of-pocket expenses according to your own needs. This plan utilizes the BlueChoice PPO network of doctors and hospitals and provides coverage from 30 - 180 days.
Key SelectTemp PPO® plan features include:
- Access to the BlueChoice network, one of the largest PPO networks in Texas
- Copayment of $100 for emergency room facility visit - waived if admitted to Hospital immediately following the visit. (This copayment amount applies to the facility visit only. The facility and physician services and supplies are subject to the deductible and coinsurance amount.)
- 80% coinsurance after your deductible with a maximum of $1,000 for individuals and $3,000 for families
- Inpatient and outpatient medical, surgical and hospital services
- Diagnostic services
- Office visits
- Childhood immunizations up to the child’s eighth birthday
- 3 tier prescription drug copay formulary ($10 / $40 / $55) after $200 Rx deductible
SelectTemp PPO® may be right for you if you are an individual or family who are:
- Experiencing a gap in employer coverage or can’t afford COBRA
- Waiting for employer coverage to begin
- A recent graduate and still seeking employment
- Age 64 and about to retire, but not yet eligible for Medicare
Who is eligible for SelecTEMP PPO?
- Texas residents at least 60 days of age and under 65 years of age
- Non-expectant parents
- Unmarried dependent children at least 60 days of age and under 25 years of age
- U.S. citizens or non-U.S. citizens living in the United States for at least two years (a copy of your Alien Registration Receipt Card must be submitted with your application)
Short Term Medical vs COBRA
A short term health plan is an excellent alternative to expenseive COBRA premiums for most healthy individuals. Individuals who will need (or soon need) medical care for an exisiting chronic medical condition should elect COBRA since short term medical insurance does not cover pre-existing conditions.
SelectTemp PPO uses the BlueChoice® Network: The BlueChoice® network allows you to save on premiums and the cost of covered services when you use a contracting BlueChoice® hospital, doctor or specialist. You do not need to select a primary care physician or obtain a referral to see a specialist.
Learn more about valuable member services and features you get when you join the Blue Cross and Blue Shield of Texas family.
SelectTemp PPO Costs
Health insurance costs include monthly premium payments, individual/family deductibles, out-of-pocket expenses, copayments, and coinsurance. Here is what you can expect with SelectTemp PPO® plans:
- Individual deductibles for individuals ranging from $500 to $2,500
- Family deductibles ranging from $1,500 to $7,500
- Prescription drug copays - $10 generic, $40 preferred, $55 non-preferred ($200 Rx Deductible)
- You pay 20% coinsurance of services provided in-network, after the deductible
- Annual out-of-pocket maximum of $1,000 for individuals and $3,000 for families
By using a contracting BCBS PPO hospital, doctor or specialist you are able to save on premiums and the cost of covered services. You do not need to select a primary care physician or obtain a referral to see a specialist.
For more information on costs, get a quick quote or see the benefit summary.
What's Included with PPO Select® Temp
- Freedom to choose doctors and hospitals (out-of-pocket expenses will be less when using the services of doctors and hospitals in the BlueChoice Network)
- 24 hour worldwide coverage
- Choice of deductible amount, payment type and length of benefit period (one to six months)
- Prescription Drug Program (Generic, Preferred and Non-preferred drugs)
- Mail Order Prescription Drug Program (90-day supply of covered prescription drug for two copay amounts)
- Blue Extras discount program
Prescription Drug Coverage
For the SelectTemp PPO plans, there is a prescription drug card benefit that includes a $10 copay for generic, $40 copay for preferred, and $55 copay for non-preferred drugs after satisfying a $200 prescription deductible.
If you take medications for birth control, high blood pressure, cholesterol, or other long-term needs, there is a Home Delivery prescritpion benefit where you can receive a 90 day supply in the mail for the cost of a 60 day supply at retail. You may also fill a 90-day supply at a retail pharmacy and in some cases, you may pay less than filling three 30 day supplies.
| Outpatient Prescription Drug Benefit | You Pay | SelectTemp PPO Pays |
| Prescription Deductible Per person per calendar year |
$200 | |
| Retail Pharmacy Up to a 30-day supply. |
||
| Generic | $10 co-payment | 100% |
| Preferred Drugs | $40 co-payment | 100% |
| Non-Preferred Drugs | $55 co-payment | 100% |
| Home Delivery Up to a 90-day supply of maintenance drugs is available through home delivery. |
||
| Generic | $20 co-payment | 100% |
| Preferred Drugs | $80 co-payment | 100% |
| Non-Preferred Drugs | $110 co-payment | 100% |
| Calendar Year Maximum | There is a $750 calendar year maximum for each member whether or not benefits are received at a participating pharmacy, non-participating pharmacy, or through the mail service prescription drug program. | |
To see if your prescriptions are included, view the individual health insurance plan Preferred Drug List 
.
Plan Renewals
- SelecTEMP PPO is a short term health insurance plan for individuals and families who need temporary coverage.
- If you need temporary coverage for an additional period of time, you may apply for a second contract term.
- If accepted, any pre-existing condition incurred during the first contract will not be covered with the new contract.
- If you need a long-term health insurance solution, please consider other BCBSTX individual and family coverage options.
For more information on renewability, view this SelecTEMP PPO Outline of Coverage document.