Medical

Each of your choices are designed to help you live your best FrogLife. Whether it’s choosing to schedule an annual physical or to call the Employee Assistance Program (EAP) when you need some guidance, each of these choices is a step toward a more healthy you.

Having medical insurance is a healthy choice for multiple reasons:

coverage for doctor visits, hospital care, and prescription drugs can help you get healthy when you are sick or hurt
preventive care benefits can help you stay healthy

As a TCU employee, you can choose from three BCBS Texas Medical Plan options. All plan options utilize the BlueCross BlueShield of Texas “Blue Choice PPO” network.

All plans provide preventive care at no cost to all covered participants.

HDHP Plan (High Deductible Health Plan)

When you choose to enroll in the HDHP, you are automatically enrolled in a Health Savings Account (HSA) through BlueCross BlueShield of Texas’ HSA vendor partner, HSA Bank. HSAs are an effective and flexible way to save tax-free money for medical expenses because:

they have higher contribution limits than a Health Care FSA
unused money can stay in the account year after year
your balance can grow without limits
you can contribute your own funds in your HSA
you own the account and can take it with you if you leave TCU
you can even use the account balance to make COBRA payments or pay for expenses after retirement
you can choose to contribute via pretax payroll deduction at any time

HDHP Covered Preventative Drug List - English / Spanish

80 PPO Plan (Preferred Provider Organization)

A PPO allows members to choose any physician they wish, either inside or outside of their network. 80 PPO refers to co-insurance, which is the amount a member is responsible for paying after meeting the deductible.

Co-insurance can be seen as “sharing the cost” with the plan. Co-insurance is calculated based on a percent system. If a member has a $100 bill for a medical visit and their portion is calculated at 20%, then, assuming their deductible has already been met, the member will pay $20 of the bill and the insurer will pay the remaining $80 of the bill.

HP Plan (High Performance Plan)

A High Performance Plan is a PPO that allows members to choose any physician they wish, either inside or outside of their network. This plan offers two tier pricing for primary care visits.

Additional Medical Information & Resources

BCBS Claim Form
How to find tier 1 providers (HP Plan)
BCBS Disabled Dependent Form
Thrive Pass FSA - Carrier Connect
SurgeryPlus Coverage

The faculty and staff at TCU are a big part of what makes this university great.

Medical

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