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TRS-ActiveCare Plan Options

With TRS-ActiveCare, you can choose between three plans - two physician-directed plans and one highly-deductible plan.

To know which health plan is best for you and your family, here are some plan features to show you what you can expect. Keep in mind that each plan has access to the same health and wellness benefits!

Physician-Directed Plans

TRS-ActiveCare

TRS-ActiveCare Primary+

These physician-directed plans have a broad statewide network with no regional boundaries.

You choose a Primary Care Provider (PCP) to coordinate your care.

Other plan features include:

  • copays for doctor visits and generic drugs before you meet your deductible
  • no charge for diagnostic labs at your doctor's office or an independent lab
  • $0 preventive care
  • $0 option for TRS virtual health visits specialist visits require a referral from your PCP
  • $0 virtual mental health visits    

  • One of these plans might be right for you if:

    • You want a doctor to actively manage your family's health care and coordinate your care with other providers
    • You want predictable copays for your medical expenses
    • You or a family member has a chronic health condition like diabetes or heart disease that may require frequent doctor visits
    • You or a family member has a risk factor like high blood pressure that needs careful management

High Deductible (HD) Plan

TRS-ActiveCare HD

The high deductible plan has a nationwide network with lower premiums.

It works with a health savings account (HSA) and has out-of-network coverage

Other plan features include:

  • no PCP required, but recommended
  • no referrals for specialist visits
  • $0 preventive care
  • you must meet your deductible before the plan starts to pay 

  • This HD plan might be right for you if:

    • You want the freedom to choose any provider, even out-of-network
    • You live in Texas, but get regular care from providers in another state
    • You or your family members don't have chronic health issues that require care coordination
    • You are relatively healthy and don't have many doctor appointments

Blue Essentials Access HMO

Blue Cross and Blue Shield of Texas (BCBSTX) offers their HMO option, Blue Essentials Access, in West Texas and South Texas.

To learn more, visit Blue Essentials HMO.