The Blue Cross Blue Shield of Tennessee (BCBST) is one of the most successful of all the Blue Cross Blue Shield plans in the US. The Blue Cross Blue Shield plans are available throughout the US. The company has managed to successfully cater to the health care needs of its members for the past 60 years. The company has a 35% market share in Tennessee and serves 4.3 million people. There was a significant growth in terms of the total people being served by BCBST. This happened as a result of increase in commercial business coupled with the attachment of the New Jersey Medicare business. The HMO and POS plan enrollments accounted for nearly 15% of the market share of the company in Tennessee. However, it amounted to only 9% of the enrolments in total. The remaining members were from the PPO PLANS, the Tenncare plans of the company and self insured accounts. The plans offered by the Blue Partner HSA are competitive in rates. They are among the most popular plans being offered by the company in Tennessee. Blue Cross Blue Shield of Tennessee was allotted an A+ (strong) rating by Standard and Poor’s.
A number of health plans are offered by Blue Cross Blue Shield of Tennessee. These are:
- BCBST PPO plans- Blue Cross Blue Shield of Tennessee offers a wide variety of PPO plans to chose from. These plans provide a wide network of health care professionals you can avail of. You can consult any physician without securing a referral. Copayments are provided for prescription care drugs at $10 for generic varieties and $35 for those brands that are decided on by Blue Cross Blue Shield of Tennessee. For the other drugs, the copayment is fixed at $50. The levels of premiums vary with the deductibles. They range between $250 and $5000. You pay copayments of either $20 or $30 for doctor visits and other treatment. You can also avail of plans with separate coinsurance and deductible levels.
- SimplyBlue Plan- this plan provides coverage for unexpected injuries and illnesses at an affordable rate of interest. It provides a selection of coinsurance, deductibles and maximum out of pocket limits. It also offers preventive care and wellness services. You can also avail of optional dental or maternity benefits.
- SimplyBluePlus plan -the benefits offered by this plan are more than those offered by SimplyBlue plans .The SimplyBluePlus plans offer low levels of copayment on prescription drugs (generic). It also offers other benefits like immunizations for travelling abroad, flu shots etc, all at a particular co payment level. You can also avail of optional dental and maternity benefits.
- BluePartner plan- this plan provides all the advantages of an HSA together with a PPO. Under this plan, the members deposit a particular amount of tax dollars into the health savings account they have created. This is used to pay their medical bills. Of course, you also have to pay coinsurances and deductibles as and when it is needed.
Address- Blue Cross Blue Shield of Tennessee, 801 Pine ST. Chattanooga, TN-37402.