FAQs

CHRISTUS Health Plan has the answers you need the questions you have regarding your health plan

  • What is the Affordable Care Act?

  • What is the penalty for not having health insurance?

  • How does the Affordable Care Act affect my insurance?

  • What is a health insurance exchange?

  • When is Open Enrollment?

  • What is covered on a health insurance exchange plan?

  • Who can shop on an exchange?

  • How does an exchange plan save me money?

  • How does the tax credit work?

  • What is a cost-sharing reduction?

  • What do the metallic levels on an exchange plan mean?

  • What’s the difference between a deductible coinsurance and a copayment?

  • I can’t afford health insurance. What should I do?

  • I’m a member; how do I make a payment?

  • What do I do if I lose my card or need a replacement?

  • How do I file an appeal or grievance? What’s the difference?

  • How can I change my primary care provider (PCP)?

  • How will I know the name of my PCP?

  • What if my drug is not on the formulary?

  • How do I request an exception to the CHRISTUS Health Plan formulary?

  • I don’t see a drug in the formulary, but I need it for treatment. What should I do?

  • What do I do before I can talk to my doctor about changing my drugs or requesting an exception?

  • I’m retiring. What do I do for health insurance?

  • What does Medicare cover? What do the different parts and letters mean?