HealthSelect Medical is a health insurance plan for you and your covered family members. The plan offers three benefit levels – in-area network, in-area non-network, and out-of-area. The benefit level depends on where you live or work, the doctors and providers you use, or your eligibility for Medicare. HealthSelect coverage includes a comprehensive Prescription Drug Program, provided by Caremark, and basic term life insurance.
If you live or work in the State of Texas and are not eligible for Medicare, you can have in-area network benefits, except for certain retirees under age 65. Individuals who have in-area benefits can save money on out of pocket costs by using network doctors and providers.
If you are a retiree under age 65 residing in Texas and eligible for Medicare due to a disabling condition, you have out-of-area benefits for yourself with Medicare paying primary and your covered dependents will retain in-area benefits.
UnitedHealthcare administers HealthSelect of Texas effective September 1, 2012.