Scott & White Health Plan Insurance Review & Complaints: Health Insurance (2024)
Scott & White Health Plan includes a limited selection of individual and family health plans as well as a variety of supplemental insurance options. Our sample Scott & White Health Plan quotes online returned Scott & White Health Plan Medicare Advantage rates ranging from $0/mo to $183/mo for the Scott & White Health Plan HMO Premium plan.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jun 14, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Jun 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Texas-based Scott & White Health Plan is a managed care organization providing health insurance plans to a large portion of the state. They offer individual and group plans as well as supplemental health insurance coverage.
What is Scott & White Health Plan?
Baylor Scott & White Health Plan was founded in 1982 as Centroplex Health Plan, a managed care health insurance provider in only two counties. The insurance company has since changed the name to Scott & White, which goes back to the opening of Temple Sanitarium in 1904 by two doctors: Dr Arthur C. Scott and Dr Raleigh R. White, Jr. It eventually became Scott & White Medical Center.
Scott & White has a network of 60 clinics and hospitals throughout Texas. They serve more than 275,000 members in 77 counties. In 2013, Scott & White merged with Baylor Health Care to form Baylor Scott & White, the largest not-for-profit healthcare systems in Texas.
Today Scott & White offers both HMO and PPO plans, as well as dental, life, Medicaid, and Medicare Part D plans. Not all plans are underwritten directly but are instead offered through a partnership with another company. They also write group health plans for employers of all sizes. In 2017, Scott & White stopped offering plans through the healthcare marketplace and now sells only directly.
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What products are offered by Scott & White?
Scott & White offers a limited selection of individual and family health plans as well as a variety of supplemental insurance options.
Individual HMO
There is only one HMO plan listed on the Scott & White website. This is a Bronze plan, which means it is designed to have low monthly costs with higher out-of-pocket expenses when you use it. As an HMO, there is no coverage for out-of-network care, except in emergencies.
The HMO 6400/50v plan has an individual deductible of $6,400 and a family deductible of $12,800. Nearly all services are subject to the deductible, with the exception of one office visit and one urgent care visit per year at a $50 copay. After the deductible is met, the plan pays 80%.
There is no separate prescription drug deductible. Preferred generic (Tier 1) drugs are covered with a $17 copay, and all other drugs are subject to the deductible, after which they are covered at 50%.
Individual PPO
Scott & White again lists only one PPO plan on the website at the bronze level the Bronze PPO 7150. This plan offers both in and out-of-network coverage.
The in-network deductibles for this plan are $7,150 individual and $14,300 family. For out-of-network care, the deductibles double to $14,300 individual and $28,600 family. For both, the out-of-pocket max is the same as the deductible.
In-network, the plan has a $60 copay for the first two office visits and a $100 copay for the first two specialist visits. All other services are subject to the deductible, after which the plan pays 100%. Out-of-network care requires that the deductible is paid before any coverage is available, after which the plan pays 50% for most services and 100% for urgent care and emergency care.
Prescription drugs have a $40 copay for Tier 1 and a $100 copay for Tier 2. Other tiers are covered at 50% after the deductible.
Dental Insurance
Dental Insurance Scott & White offers a separate dental plan, available for both adults and children. These plans are underwritten through a partnership with MetLife Life Insurance
Life Insurance
Like the dental plans, the term life insurance policies offered by Scott & White are actually underwritten and administered by MetLife. There are three term life options, with benefits ranging from $10,000 – $50,000.
Medicare Advantage
Scott & White’s Medicare Advantage plans are available either as an HMO or a PPO. There are several SeniorCare plans that vary in availability depending on the county of residence.
SeniorCare (Cost) HMO Plans
None of these HMO plans have a deductible, but copays and other coverage vary. There are four options.
The SeniorCare Select HMO is the basic plan, with a $0 monthly premium on top of your Medicare Part B coverage. This plan offers a $20 copay for primary care visits and a $50co pay for specialists.
The SeniorCare Preferred HMO has an added premium, and has a $15 copay for both primary care and specialist visits, with a lower out of pocket maximum. Copays are lower for most services.
Increasing again in price, the SeniorCare VIP HMO has a $10 copay for primary care and specialist visits.
The SeniorCare Premium HMO is the most expensive of this group of plans, with a $0 copay for office visits and for several other services.
SeniorCare Advantage PPO Plan
The SeniorCare Advantage PPO plan offers both in and out-of-network coverage. There is no copay for primary care office visits, and specialist visits are covered with a $40 copay. While there is no deductible for in-network care, there is a $750 deductible out-of-network.
SeniorCare Advantage HMO Plan
This plan is similar to the Advantage PPO, but does not offer the out-of-network coverage option. The primary care visit copay is $0, and office visits are $40. Like all of the plans, there is no deductible.
SeniorCare Vital Traditions HMO
This is the second plan from Baylor Scott & White Insurance Company that has no added premium beyond regular Medicare premiums. Primary care visits have no copay, and specialist visits have a $45 copay. Again there is no deductible, and as an HMO this plan has no out-of-network coverage.
Group Health
Scott & White offers different plans based on the size of the employer. These also include HMO, PPO, and dental insurance plans. Self-insured plans are also available, as well as voluntary employee benefits including life, accident, and other health care services.
Are Scott & White’s rates affordable?
Rates for the individual health plans are not offered on the Scott & White website, nor is online quoting offered. We would expect rates to be reasonable based on the coverage offered – all plans are Bronze level with high out-of-pocket costs.
Medicare Advantage rates are available, although they vary based on the area of the state in which the member lives. As noted, there are two $0 premium Medicare plans. The plan with the highest rates is the HMO Premium at $183/month. The rest of the plans fall somewhere in between, with most options costing less than $100/month.
Since this company serves only Texas, we are unable to compare the rates of health plans to the rest of the country. The Medicare Advantage rates do fall in line with what we have seen elsewhere.
Scott & White Health Plan Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Scott & White Health Plan offers a variety of health insurance plans to its members. While specific details about the claims filing process are not provided in the content, it is mentioned that the insurer typically pays most claims directly to the healthcare provider.
Members can expect that in-network claims may be processed faster. However, the specific methods for filing claims, such as whether it can be done online, over the phone, or through mobile apps, are not detailed in the content.
Average Claim Processing Time
The content does not provide information about the average claim processing time for Scott & White Health Plan. This important aspect of the claims process, which impacts the speed at which members receive reimbursement or coverage for their healthcare expenses, is not addressed in the provided content.
Customer Feedback on Claim Resolutions and Payouts
The content mentions customer feedback in the form of complaints and reviews about Scott & White Health Plan. It notes that there have been complaints related to customer service issues, including difficulty with billing and failure to pay claims as expected.
However, the content does not provide specific customer feedback regarding the resolution of claims or the satisfaction of claim payouts.
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Scott & White Health Plan Digital and Technological Features
Mobile App Features and Functionality
The content does not provide detailed information about the mobile app features and functionality offered by Scott & White Health Plan. While it mentions the availability of a mobile app, it does not describe the specific features and capabilities of the app, such as whether members can use it for claims submission, policy management, or accessing health resources.
Online Account Management Capabilities
The content does not delve into the online account management capabilities provided by Scott & White Health Plan. It does not specify whether members can manage their insurance policies, view claims information, or perform other account-related tasks through an online portal.
Digital Tools and Resources
The content briefly touches on the availability of digital tools and resources from Scott & White Health Plan, such as online quoting. However, it does not provide details about the range of digital tools and resources available to members, such as health and wellness resources, educational materials, or tools for estimating insurance costs.
Does the company have positive ratings and consumer reviews?
The Better Business Bureau (BBB) page we located for Scott & White Health Plan states the lack of rating is because complaints are handled by another BBB listing. Listed under Baylor Scott & White Health, and what appears to be the main page for the merged companies, there is a B rating. There are 84 complaints on file in the past three years, with 24 of those closed in the past twelve months. The BBB states that the lowered rating is the result of two complaints that were not responded to, and three that were not resolved.
Yelp has 27 reviews of Scott & White Health Plans, with an overall 1.5-star rating. Many complaints focus on customer service issues and failure to pay claims as expected. Several people listed long wait times to speak to someone and difficulty with billing.
Complaints against this company are similar to those we see for many insurers. It is difficult to determine complaint volume due to the merged BBB page with Baylor Health. Overall, however, complaint volume is not at a level that would concern us. It is always of some concern, however, to see complaints unresolved or ignored on the BBB.
Comprehensive Coverage with Baylor Scott and White Health Plan
The Scott and White Health Plan offers a variety of options designed to meet the diverse needs of its members. As part of the broader Baylor Scott and White Health Plan, it provides comprehensive medical coverage including preventive care, specialist visits, and hospital stays.
Many users highlight the quality of care and extensive network of providers in their Baylor Scott and White health plan reviews, praising the accessibility and efficiency of services. For those seeking Medicare options, the Baylor Scott and White Medicare Advantage plans provide robust coverage tailored to senior healthcare needs.
Members often appreciate the personalized customer service and the range of benefits included in Scott and White Insurance. The Scott and White Health Plan coverage encompasses everything from routine check-ups to specialized treatments, ensuring that all healthcare needs are met under one plan. Baylor Scott and White insurance reviews frequently mention the affordability and value of the plans, making it a popular choice among Texas residents.
Additionally, the Scott and White Medicare Supplement Plans offer additional coverage for out-of-pocket expenses not covered by traditional Medicare, providing financial peace of mind.
Choosing a healthcare plan can be daunting, but the Scott and White Health plan simplifies the process with clear information and supportive resources. The commitment to patient care is evident in the numerous positive Baylor Scott and White insurance reviews, with many noting the seamless integration of services within the Baylor Scott and White Health Plan network.
For those looking for comprehensive, reliable health insurance options, the Scott and White Health Plan and its associated Medicare plans present a compelling choice.
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Exploring Baylor Scott and White Health Plans
The Scott and White Health Plan benefits are extensive, providing members with a wide range of coverage options. The Baylor Scott and White Insurance plans are designed to cater to the diverse healthcare needs of individuals and families.
Whether you’re looking for basic coverage or a more comprehensive plan, you can find a plan that suits your needs. One of the popular choices among members is the BSW prime silver HMO, which offers a balance of cost and coverage.
For seniors, Scott and White senior care provides a range of options tailored to the unique healthcare needs of older adults. The Baylor Scott White Medicare advantage plan offers additional benefits beyond Original Medicare, providing seniors with comprehensive coverage for their healthcare needs. This plan is widely accepted, making it easy for members to access care from a wide range of providers.
When it comes to insurance, the question often asked is, “Is Baylor Scott and White good insurance?” The answer is a resounding yes. With a network of BSW prime silver HMO 008 providers, members have access to quality healthcare services.
Whether you’re looking for individual coverage or a family plan, Baylor Scott Insurance and BSW Health Plans offer a range of options to ensure you’re covered. Plus, Baylor Scott and White Insurance accepted by a wide range of healthcare providers, ensuring you can get the care you need when you need it.
What’s the bottom line?
Scott & White have limited health plan options, and their withdrawal from the marketplace may lead some customers to look elsewhere. Without rates, it is difficult to compare, but unless the plans are at a very low price point, it seems likely that the average shopper could find better coverage elsewhere. On the Medicare side, the rates appear reasonable and the coverage comprehensive, so this company might be a good pick for anyone seeking a local Medicare Advantage insurance provider.
Frequently Asked Questions
What is Scott & White Health Plan?
Scott & White Health Plan is a health insurance company that provides coverage to individuals and families in select regions. They offer a range of health insurance plans, including individual and family plans, Medicare Advantage plans, and employer-sponsored plans. Scott & White Health Plan is affiliated with Baylor Scott & White Health, a leading healthcare system in Texas.
How is Scott & White Health Plan rated?
Scott & White Health Plan has received positive ratings from reputable insurance rating agencies. For example, the National Committee for Quality Assurance (NCQA) has given Scott & White Health Plan high ratings for quality and customer satisfaction. It’s always recommended to review multiple rating sources and compare them before making a decision.
What types of health insurance plans does Scott & White Health Plan offer?
Scott & White Health Plan offers various types of health insurance plans to meet different needs. They provide individual and family health insurance plans, which offer coverage for medical services, prescription drugs, and preventive care. They also offer Medicare Advantage plans, which combine Medicare Parts A and B coverage with additional benefits like prescription drug coverage and wellness programs. Additionally, Scott & White Health Plan offers employer-sponsored health insurance plans for businesses and their employees.
How can I get a quote for health insurance from Scott & White Health Plan?
You can obtain a health insurance quote from Scott & White Health Plan by visiting their official website or contacting their customer service. On their website, you’ll typically find a quote tool where you can provide basic information such as your location, age, and desired coverage level to get an estimated premium. It’s recommended to provide accurate and complete information to receive the most accurate quote.
How can I file a complaint against Scott & White Health Plan?
If you have a complaint against Scott & White Health Plan, the first step is to contact their customer service or member services department to express your concerns and seek resolution. Most insurance companies have dedicated departments to handle and address customer complaints. If your complaint is not resolved to your satisfaction, you can consider filing a complaint with your state’s insurance department, which regulates insurance companies and can provide guidance on the appropriate steps to take.
Can I trust Scott & White Health Plan for my health insurance needs?
Scott & White Health Plan is associated with Baylor Scott & White Health, a reputable healthcare system in Texas. They have received positive ratings for quality and customer satisfaction. However, it’s essential to thoroughly research and consider your individual needs, compare multiple insurance companies, and review policy terms before making a decision. Reading customer reviews and seeking recommendations from trusted sources can also provide insights into others’ experiences with Scott & White Health Plan.
What is Baylor Scott and White Medicare advantage plans for 2024?
Baylor Scott & White Medicare Advantage plans for 2024 offer comprehensive coverage options, including medical, prescription drug, and wellness benefits tailored for seniors. These plans aim to provide high-quality, affordable healthcare with access to a wide network of providers and facilities.
Does Baylor Scott and White accept United Healthcare?
Yes, Baylor Scott and White Health accepts United Healthcare insurance plans. Patients with United Healthcare can access a wide range of services and providers within the Baylor Scott and White network.
What insurances does Baylor Scott and White accept?
Baylor Scott & White Health accepts a variety of insurance plans, including commercial, Medicare, Medicaid, and TRICARE plans. They also work with numerous major insurance carriers to ensure comprehensive coverage options for their patients.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.