Plan Options:

The district’s medical plans are offered through Blue Cross Blue Shield. All plans include:

  • $0 Copay Clinic available to insureds and covered dependents on all health plans1
  • Telemedicine Plan with UMC’s $0 Copay Clinics
  • $0 Copay Generic Prescriptions2 
  • Living Better Diabetes Program3

Expand plans below for details.

1Excludes waived medical plan enrolled staff/family members.2Prescriptions must be from a $0 Copay Clinic provider, filled at a United Pharmacy, and listed on the $0 Copay Generic list. 3Program participation required for reimbursement of up to $2,500 of diabetic program eligible expenses annually. 

Lubbock ISD offers teleHealth (video and telephone) services through the UMC Health System as part of its Zero Copay Clinics for covered (health plan members) employees and dependents who are on the health plan also. The subscriber number required is the identification number listed on your BCBS medical card.  Additional information may also be required. Additional charges for laboratory tests, x-rays, and other testing are generally NOT covered by the District as part of this program and may require additional payment from the insured; the zero copay program relates primarily to clinic visit copays that are covered by the District for employees and their dependents who are part of one of the District’s health insurance plans.

HMO Plans

  • $7,000 Individual/$14,000 Family In -Network Deductible
  • $9,000 Individual/$18,000 Family Out-of-Pocket Maximum
  • Must meet deductible before plan pays for non-preventive care
  • Plan pays at 80% until Out-of-Pocket met post deductible
  • Participants must select a primary care provider who will make referrals to specialists
  • Deductible applies to medical and pharmacy
  • No out-of-network coverage unless emergency 
  • $60 primary care office fee copay/$100 specialist office fee copay

PPO Plans

  • $5,000 Individual/$10,000 Family In-Network Deductible
  • $10,000 Individual/$20,000 Family Out-of-Network Deductible
  • $7,000 Individual/$14,000 Family In-Network Out-of-Pocket Maximum
  • $14,000 Individual/$28,000 Family Out-of-Network Out-of-Pocket Maximum
  • Plan pays 80% until Out-of-Pocket met In-Network
  • Plan pays at 60% until Out-of-Pocket met Out-of-Network
  • No requirement for PCP or referrals
  • Deductible applies to medical and pharmacy
  • $3,000 Individual/$6,000 Family In-Network Deductible
  • $6,000 Individual/$12,000 Family Out-of-Network Deductible
  • $6,000 Individual/$12,000 Family In Network Out-of-Pocket Maximum
  • 12,000 Individual/24,000 Family Out-of-Network Out-of-Pocket Maximum
  • Plan pays at 80% until Out-of-Pocket met for In-Network post deductible
  • Plan pays at 60% until Out-of-Pocket met for Out-of-Network post deductible
  • No requirement for PCP or referrals
  • $100 Prescription Deductible

BUYING HEALTH INSURANCE