Updates to the Blue Cross Medicare Advantage (PPO) and Blue Cross Medicare Advantage (HMO) Preauthorization Lists (2024)

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Recap of Options Offered During the 2016 Open Enrollment Period

February23,2016

January 31 marked the end of the third annual enrollment period through the Health Insurance Marketplace. Blue Cross and Blue Shield of Texas (BCBSTX) remained committed to providing all Texans with sustainable health plan options that meet the varying needs of the state's population and contribute to the state's overall health. BCBSTX offers health insurance in all 254 counties in Texas and is the only health insurance provider offering individuals access to health insurance through the Federal Health Insurance marketplace in 58 of those counties.

2016 Individual Network Options
Individual members are those who buy their own insurance that is not provided by an employer or through a government program (Medicare, Medicaid, or CHIP). The following options were offered to individual members:

  • BCBSTX offered its Blue Advantage (BAV) HMOSM again to individual members both on and off the Health Insurance Marketplace.
  • BCBSTX offered the new Blue Advantage PlusSM HMO plan with added Point of Service (POS) benefits to individual members both on and off the Health Insurance Marketplace. This new HMO utilizes the Blue Advantage HMO network of doctors and hospitals while still having out-of-network benefits.
  • BCBSTX also offered Blue Cross Blue Shield Premier 101SM, a multi-state plan that utilizes the Blue Advantage HMO network; and has the same preauthorization requirements as Blue Advantage HMO. Blue Cross Blue Shield Premier 101 is only available to Individual members on the Health Insurance Marketplace.
    Please Note: Multi-State Plans are designed to increase consumer options on the exchanges. They are only available in the Individual market segment, through the Public Exchange. Multi-State Plans are bound by the same ACA regulations as other Qualified Health Plans, i.e., Essential Health Benefits, Out of Pocket Maximum regulations, etc.

Small Business Health Options Program (SHOP) Options
BCBSTX will continue to offer the Blue Choice PPO to small group members on the Small Business Health Options Program (SHOP). Small Group members will also still have access to our Blue Advantage HMO product. As a reminder, the terms of your BCBSTX agreements apply to plans offered on and off the SHOP. The terms of the agreement also require providers to offer their services to a BCBSTX member, regardless of where they purchased their coverage.

Identifying Your Patients' BCBSTX Insurance Plan
To identify your patient's BCBSTX plan, please view our sample ID cards. Plan specific alpha prefixes are assigned to every Blue Cross Blue Shield (BCBS) plan and start with X, Y, Z or Q. The first two positions indicate the BCBS Plan to which the member/subscriber belongs, while the third position identifies the product in which the member/subscriber is enrolled. Note: ZG identifies the Texas Plan.

  • To identify a patient who has the BAV HMO plan look for the alpha prefix or Texas alpha prefix which will start with “ZG*”" on the member ID card. The first two positions indicate the Plan to which the member/subscriber belongs while the third position identifies the product in which the member/subscriber is enrolled.
  • To identify a patient who has the BAV Plus, look for alpha prefix "ZGN" on the member ID card.
  • To identify a patient who has the 'Blue Cross Blue Shield Premier 101' multi-state plan (not specific to Texas), look for alpha prefix "VAL" on the member ID card.

Resources to Provide to your Patient's with Questions
If you have patients that are seeking assistance with their transition of care, we encourage you and your patients to contact BCBSTX with your questions through the phone numbers below. Our member advocates will work closely with your patients to ensure they have someone to speak with directly regarding their transition of care plan.

Member Customer Service: 888-697-0683
Pre-Authorization: 855-462-1785
Behavioral Health: 800-729-2422

BCBSTX provides a wide range of services and online tools to help renewing members make informed health decisions.

  • Provider Finder®: Members can select the best network provider for their needs based on location, as well as view industry-respected third party quality indicators, costs and patient-submitted reviews on an easy-to-navigate website.
  • Blue Access for MembersSM: Members can access information on their policy, including status of claims, alerts, temporary ID cards and more. This also includes Blue Access MobileSM, which allows members to find a doctor, hospital or urgent care facility in addition to benefit information.
  • 24/7 Nurseline: Members can speak with registered nurses about health concerns, common health information and tips and advice on where to go to receive necessary care.

You can also contact your local network management representative with any questions you may have.

BCBSTX Provider Relations Office LocationsTelephone NumberFax Number
Austin512-349-4847512-349-4853
Corpus Christi361-878-1623361-852-0624
Dallas, East Texas972-766-8900 / 800-749-0966972-766-2231
El Paso915-496-6600, press 2915-496-6611 915-469-6614
Houston, Beaumont713-663-1149713-663-1227
Lubbock, Amarillo806-783-4610806-783-4666
Midland, Abilene, San Angelo432-620-1406432-620-1428
San Antonio361-878-1623361-852-0624
Updates to the Blue Cross Medicare Advantage (PPO) and Blue Cross Medicare Advantage (HMO) Preauthorization Lists (2024)

FAQs

What is the difference between Medicare Advantage HMO and Medicare Advantage PPO? ›

HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.

Does BCBS CA require prior authorization? ›

Without this prior approval, Blue Shield may not pay for your medication or medical procedure, and you will have to pay out of pocket. To see if a particular service or drug requires prior authorization, open the Blue Shield and FEP Prior authorization list PDF below.

What type of Medicare plan does Blue Cross Blue Shield offer? ›

For Blue Shield Medicare Advantage Plans: Blue Shield of California is an HMO, HMO D-SNP, PPO and a PDP plan with a Medicare contract and a contract with the California State Medicaid Program.

What is the phone number for prior authorization for BCBS of California? ›

For drug formulary information and to request prior authorization for Commercial and Medicare member outpatient prescription drugs and home self-administered injectables, call (800) 535-9481.

Why do doctors not like Medicare Advantage plans? ›

Medicare Advantage plans cause considerable administrative burdens—often more than that of Original Medicare. Navigating complex processes regarding approval, documentation, and adherence to strict service provision guidelines also causes distress among doctors and healthcare staff.

Why are people leaving Medicare Advantage plans? ›

Most individuals that dislike a Medicare Advantage plan usually have had a bad experience with in-network providers, plan authorizations for medical care, or having to wait a long time to have an appointment scheduled. Some of these concerns can be attributed to the healthcare provider.

Why would insurance deny a prior authorization? ›

If the proposed treatment doesn't meet the threshold for being medically necessary, it won't be reimbursed by the payer. If a provider's office submits a wrong billing code, misspells a name or makes another clerical error, this can result in a denied PA request.

What happens if prior authorization is not obtained? ›

If prior authorization is required and is not obtained, the health plan can reject the claim—even if the procedure was medically necessary and would otherwise have been covered.

What is the difference between pre authorization and prior authorization? ›

Prior authorization—sometimes called preauthorization or precertification—is a health plan cost-control process by which physicians and other health care providers must obtain advance approval from a health plan before a specific service is delivered to the patient to qualify for payment coverage.

What is the most highly rated Medicare Advantage plan? ›

Best Medicare Advantage for most people: Humana

Humana has well-rated plans with no monthly cost and great prescription benefits. Humana has the best Medicare Advantage plans for 2024 because of its high-quality ratings, good customer satisfaction and widespread availability.

What are the top 5 Medicare Supplement plans? ›

💬 From our Nerds: What are the top five Medicare supplement plans? "Based on NerdWallet's 2024 Medigap rubric, I picked five best Medicare Supplement Insurance companies for 2024: AARP/UnitedHealthcare, Mutual of Omaha, State Farm, Anthem and Blue Cross Blue Shield.

Is there a Medicare Supplement that covers everything? ›

With Medicare Supplement Plan F, you get the most complete coverage available. And because Plan F also covers costs in excess of Medicare-approved amounts, you may have no out-of-pocket costs for hospital and doctor's office care.

How do I submit a prior authorization to Ahcccs? ›

You may fax the Fee For Service Prior Authorization Request Form to the AHCCCS FFS Prior Authorization Unit to request authorization, or you may use AHCCCS Online to enter a pended authorization request online, 24 hours a day/7 days a week.

Does BCBS Federal require prior authorization? ›

Depending on the type of care you require, you may need pre-approval (in the form of a prior authorization, precertification or both). We review the service or treatment to ensure it is medically necessary. If you do not obtain pre-approval, there may be a reduction or denial of your benefit.

Does BCBS of California require prior authorization? ›

The list below includes specific equipment, services, drugs, and procedures requiring review and/or supplemental documentation prior to payment authorization. Members and providers are encouraged to obtain prior authorization and may call Customer Service to inquire about the need for prior authorization.

Which is better, a PPO or HMO? ›

An HMO is a good choice if you want the cheapest health insurance and don't mind staying within the plan's provider network. A PPO would probably be the better option if flexibility is what you prefer, even if it means higher health insurance costs. Out-of-network care? Need to name a primary care physician (PCP)?

Why do doctors prefer PPO? ›

HMO plans might involve more bureaucracy and can limit doctors' ability to practice medicine as they see fit due to stricter guidelines on treatment protocols. So just as with patients, providers who prefer a greater degree of flexibility tend to prefer PPO plans.

References

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