Texas Tech University

Current Employee Insurance


The Texas Employees Group Benefits Program (GPB) is the insurance program administered by the Employees Retirement Systems of Texas (ERS). ERS administers benefits for employees and retirees of state agencies, higher education institutions, and other groups.

2021 Plan Year Rates


It's important to know ...

By signing up for benefits when they first become available, you won't have to provide proof of good health.

If you miss your first opportunity to enroll in benefits, your next opportunity will be during the Annual Enrollment period. Your options may be limited and proof of good health may be required.

You can only sign up during the year if you have a qualifying life event, such as getting married or having a baby. Even then, proof of good health may be required.

Health Benefits

Blue Cross Blue Shield of Texas is the third-party administrator for HealthSelect™ of Texas and Consumer Directed HealthSelect™.

HealthSelect™ is available in all Texas counties, and you may enroll based on the county where you live or the county where you work. Levels of coverage for HealthSelect™ of Texas are:

  • In-area (network and non-network), and
  • Out-of-area (if you live or work outside of Texas or if you are retired, age 65 or over and have Medicare benefits).

HeathSelect™ of Texas Summary of Benefits and Coverage:

Consumer Directed HealthSelect™ Summary of Benefits and Coverage:

Additional Resources:

Prescription Benefits

OptumRx is the prescription drug benefit manager for participants in HealthSelect of Texas, and Consumer Directed HealthSelect.

To get your medication, take your prescription to the pharmacy of your choice. Using a network pharmacy will lower your costs and the pharmacy will submit the claim for you. You can submit long-term or maintenance medications to the mail order pharmacy by completing the OptumRx Mail Service Order Form. You can also purchase long-term and maintenance medications at participating Extended Days Supply (EDS) pharmacies.

Visit the OptumRx Website to register with your prescription card. Registering allows you to take advantage of OptumRx's many online services, including searching for a network pharmacy and online prescription refills from the mail service pharmacy.


ERS has three dental plans. Each has different costs, benefits, service areas and participating dentists. For an explanation of benefits or to enroll, add, or drop coverage click here


Need a better way to budget? TexFlex is a Flexible Spending Account (FSA) that lets you pay for planned out-of-pocket health and dependent daycare expenses tax-free. You decide how much to contribute out of your paycheck into either a healthcare or dependent daycare account. Use the money to pay for big or routine expenses throughout the year.

Optional Insurance

Optional insurance coverage can protect you and your loved ones in the event of an accident, disability or death.

  • Term Life & Dependent Term Life
  • Accidental Death & Dismemberment
  • Short-Term Disability
  • Long-Term Disability
  • Explanation of Benefits - www.ers.state.tx.us


COBRA stands for Consolidated Omnibus Budget Reconciliation Act of 1985. It allows you and your dependents to keep your health, dental, and vision coverage under the Group Benefits Program (GBP) for a certain period of time after you leave employment. This is called "COBRA continuation coverage."

If you choose COBRA continuation coverage, you will pay the full cost of your premium(s), plus a 2% administration charge.

COBRA continuation coverage is limited to the benefits you have when you leave employment. For example, if you wish to continue your health coverage after you leave state employment, you have to be enrolled in a state health plan on your last day on the payroll.

After you leave employment, ERS will send you a COBRA Notification, election form and instructions for paying your premiums. Read the notice carefully and call ERS if you have questions.

Each benefit listed on the website includes a COBRA section in the plan details. Review these benefits to find out about the options available to you.


Enrollment Opportunities

Annual Enrollment

During the annual enrollment period each year, you can make changes to your benefits without requiring a qualifying life event.

Qualifying Life Events

During the plan year, a qualifying life event (QLE) such as marriage, divorce, loss of other coverage, or birth of a child may allow you to make changes within 30 days of the event.

Year-round Enrollment

You can enroll in a Texa$aver 457 Plan or 403(b) Plan.