You are viewing 2025 benefits and enrollment information. For 2024 benefits information, click here.
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What will my Medical Plan options be next year?

You will have the choice between two medical plan options. The choices are:

  • A Consumer-Directed Health Plan with a Health Savings Account (CDHP)
  • A PPO plan

Be sure to check out the Medical Matchup interactive feature so you can see which medical plan could be right for you.

Will I receive new medical plan ID cards?

For 2025, all medical plan enrollees will receive a consolidated ID card with medical, pharmacy, and Collective Health contact information in late December. Additional ID cards can be ordered at bcbstx.collectivehealth.com and on the Collective Health app. Be sure that your home address in MyHR is correct.

How do I make sure I receive my free annual wellness exam?

Take the following steps to help ensure your annual wellness exam is billed correctly:

  • Use terms like “wellness exam” or “annual physical,” not “check-up” when scheduling your appointment
  • Tell your doctor you are there only for a wellness exam.
  • You may ask questions about existing health conditions but avoid requesting treatment during a wellness exam as your doctor is allowed to bill accordingly for diagnostic visits.
  • Do not save up all of your health concerns for your annual wellness exam.
Where can I get more information on preventive services?

 Click here for a list of age-appropriate recommended preventive services. You can learn more about preventive care by visiting HealthCare.gov.

My doctor says I need to have a scan and maybe surgery. What do I need to do?

Some non-emergency procedures, such as MRIs, CT scans, and surgeries, require prior authorization. Whether you are considering an in-network or out-of-network provider, when your doctor mentions you need a non-emergency procedure or test, your doctor will submit a prior authorization review request to Blue Cross Blue Shield (BCBS).

Collective Health will be your contact for support during the prior authorization process. They will provide updates and answer your questions. Please note that your treatment may not be covered if you do not receive prior authorization.

For more information about how the review process works, check out the Prior Authorization video.

How do I get the tobacco-free premium discount?

When you enroll, you will need to indicate if you are a tobacco user or non-tobacco user by checking the appropriate box online for you and your covered dependents over the age of 18:

  • Do not use tobacco products, and
  • Have not used them for the past three months.

Remember, while the Partnership takes your self-elected designation with respect to your tobacco-free status, if it becomes known to the Partnership that you have misrepresented such status, you will be subject to removal from the Partnership's Medical Plans and additional discipline, up to and including termination.

How can I get help to kick my tobacco habit?

The Tria Health Stop Tobacco use by Optimizing Pharmacists (S.T.O.P.) Program can help you or any of your covered family members over the age of 18 kick the tobacco habit. The program provides you with confidential telephone coaching with a Tria pharmacist and other tools and resources.

Visit Tria Health online to or call 1-888-799-(TRIA) 8742 to get started.

How do I access Doctor on Demand?

Go to doctorondemand.com, select Collective Health and enter the Member ID and Group ID from your insurance card to complete your registration. Then, be sure to download the convenient Doctor on Demand mobile app for on-the-go care.

Do I have to pre-register before I use Doctor on Demand?

Yes. You need to go to doctorondemand.com and complete the registration process before you can use the service. Also, remember to download the convenient mobile app for on-the-go care.

How much does it cost to use Doctor on Demand?

The cost for each virtual visit varies based on the services needed.

  • Medical: $25 (PPO), $59 (CDHP)
  • Psychology: $79 - $199
  • Psychiatry: $99 - $229
These frequently asked questions (FAQs) provide only an overview of benefit changes and clarifications effective Jan. 1, 2025. The respective plan documents and policies govern your rights. You should rely on this information only as a general summary of some of the features of the plans and policies. In the event of any difference between the information contained herein and the plan documents and policies, the plan documents and polices will supersede and control over these FAQs. The Partnership expressly reserves the right at any time and for any reason to amend, modify or terminate one or more of the plans or policies described in these FAQs.
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QUESTIONS?

Info Center

We know that you may have questions about your benefits. We’re here to help you! The Benefit Advocate Center offers you a variety of services. When you have a question, need to file a claim, or search for a doctor, you will reach out to Collective Health.

Collective Health

Have claims or medical plan questions? Collective Health is here to help.

Benefit Advocate Center

New hires, need help with enrolling in benefits? Contact the Benefit Advocate Center, Monday–Friday, 6 a.m.8 p.m. CT, Saturday, 9 a.m.1 p.m. CT.

Discover Your Benefits Today

Download our comprehensive benefits guide to learn more about the available options and how they can benefit you.

Medical Matchup

Take the online medical matchup quiz to learn which plan best suits your needs.

medical plan decision GUIDE

Download the decision guide to make informed choices about your employee benefits.