Medical Coverage

Non-Union employees only

Genesis Energy’s heath program, administered by Blue Cross Blue Shield of Texas (BCBSTX), offers two plan choices: the Choice Plus PPO and the Choice Saver HSA. The primary difference between the two options is how you pay for your health care expenses. The Choice Plus PPO and the Choice Saver HSA have different monthly premiums, deductibles and out-of-pocket maximum limits. Both plans offer embedded prescription drug coverage. Please review your BenefitsConnections Enrollment Guide for monthly premiums.

Your choices for medical plan coverage are the following:

  • Choice Plus PPO offers traditional medical and prescription drug coverage. Per pay period premiums are higher, but the deductibles and coinsurance are lower, meaning more of your bill is covered by the plan up-front when you need health care.
  • Choice Saver HSA offers a high deductible health plan and prescription drug coverage that can be paired with a health savings account. Per pay period premiums are lower, but the higher deductibles and coinsurance mean you will pay more money up-front when you need health care.

 

Please review the information below when considering the options.

BCBSTX Benefits Booklet Choice Saver HSA

Summary of Benefits Coverage Choice Saver HSA

BCBSTX Benefits Booklet Choice Plus PPO

Summary of Benefits Coverage Choice Plus PPO

 

Choice Saver HSA Educational Information

Getting to Know the Choice Saver HSA

How to Open a Health Savings Account

One feature that makes the Choice Saver HSA special is that it is compatible with a health savings account. A health savings account – or HSA – is like a savings plan for your health care. An HSA is a personal account. It works like a regular bank account, but you don’t currently pay federal income taxes on money you deposit. Your savings grow from year to year. There is no use it or lose it rule. And you can take your money with you if you change plans or when you leave Genesis Energy. You can use an HSA to pay for qualified medical expenses now or at any point in the future – even in retirement. Be sure to do your research before you take action and enroll. The frequently asked questions link above contains a document that may answer many of your questions.

 

Services Included in Your Medical Plan

Your BCBS Online Resource: Blue Access for Members

Would you like to know when your medical claims are paid and the payment amounts? Do you need to confirm your member information or request new medical identification cards? Blue Access for Members, the secure member portal from Blue Cross Blue Shield of Texas can help. Get immediate online access to health and wellness information.

  • Check the status of a claim and claim history
  • View and print Explanation of Benefits (EOB) statements for a claim
  • Locate a doctor or hospital in the network
  • Request a new or replacement member ID card or print a temporary member ID card

Provider Finder is an innovative tool for helping you choose a provider, plus estimate and manage health care costs.

  • Find a network primary care physician, specialist or hospital
  • Filter your search by doctor, specialty, zip code, language and gender—even get directions
  • Estimate the cost of procedures, treatments and tests and your out-of-pocket expenses
  • Review providers’ certifications and recognitions

It’s easy, immediate, secure and available at bcbstx.com.

Blue Access Mobile is also available for members on the go! App features include: access to your claims, coverage and deductible information, facility and physician finder, and ID card access.

Telehealth Virtual Care: MDLive

MDLive provides access to a national network of U.S. Board Certified physicians  through a mobile application, online or by phone. Get access to quality health care without ever leaving your home, your job or wherever you are. Speak to a doctor 24 hours a day, 7 days a week, 365 days a year for non-emergency conditions.

You can use MDLive for any of the following medical services:

  • Instead of going to the ER or an urgent care center for a non-emergency issue
  • During or after normal business hours, nights, weekends and even holidays
  • To request prescription refills (when appropriate)

You also have access to MDLive Therapy for diagnosing and treating mental health issues. Whether you are looking for long-term therapy or simply need a one-time check-in on your health and wellness, MDLive’s behavioral health therapy services are safe, confidential, and convenient.

Blue Cross Blue Shield Global Core

Like your passport, always carry your Blue Cross Blue Shield of Texas ID card with you when you travel abroad. Through Blue Cross Blue Shield Global Core program, you have access to doctors, hospitals and other health services in nearly 200 countries and territories in the world.

To take advantage of the Blue Cross Blue Shield Global Core program:

  • Before you leave home, contact BCBSTX for coverage details. Your coverage levels outside the U.S. may be different.
  • Always carry your BCBSTX ID card.
  • The Blue Cross Blue Shield Global Core Service Center is available 24 hours a day, seven days a week toll free at (800) 810-BLUE (2583), or by calling (804) 673-1177.

Blue Care Advisors Condition Management

If you have a chronic condition, managing your health now, can pay off later on. Take the first step to a healthier tomorrow and join the condition management program.

Condition Management is available to you and your covered dependent family members through your BCBSTX benefits at no additional cost. It’s easy to join; just call (866) 412-8795 and select “Blue Care Connection” to enroll.

A Blue Care advisor is a licensed clinician with special training to help you manage your health conditions.  Your advisor will schedule regular phone calls with you to help you set and reach healthy goals.

Special Beginnings Maternity Program

The Special Beginnings maternity program supports you from early pregnancy until six weeks after delivery. An experienced Blue Cross Blue Shield of Texas staff member will help you through this special period in your life.

  • Ask you questions to determine the support you will need
  • Send you information, including a book about having a healthy pregnancy and baby
  • Answer any questions you have and help you plan your care with your doctor
  • Assist you with managing high-risk conditions such as gestational diabetes and preeclampsia

Visit the Special Beginnings website to view a video library and week-by-week pregnancy information. To access the site, log into Blue Access for Members by visiting bcbstx.com and click on the My Health tab. It’s free, easy and confidential.

Forms and FAQs:

Medical

 

Pharmacy

 

CONTACT BCBSTX

 

Employees whose benefit plan participation is governed by a collective bargaining unit must refer to the collective bargaining agreement to identify the benefit plans in which the collective bargaining unit participates. The benefits on this site do not apply to collective bargaining units.

*This site highlights your benefits. Official plan and insurance documents govern your rights and benefits under each plan. For more details about your benefits, including covered expenses, exclusions, and limitations, please refer to the individual summary plan description (SPD), plan document, or certificate of coverage for each plan. If any discrepancy exists between information on this site and the official plan contracts, the official plan contracts will prevail.