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Get real answers on shopping for the right health plan for you.

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Finding a Health Insurance Plan that Fits Your Needs and Budget

We know picking a new health plan isn't always easy. A little research and planning before you shop can help you pick a health insurance plan that will meet your health care needs and budget.

And you don’t have to shop alone – we're here to help you shop smart and choose the right plan for you. Let’s get started.

Compare Coverage and Costs

Health care costs are more than just your monthly premium payment. Consider all of the costs and your budget.

  • How much you can spend up front (deductible*) before your health plan pays its share of costs
  • What percentage you want to pay each time you get care and services (coinsurance)
  • How much you can pay for medical expenses in a year (out-of-pocket maximum)

Think about benefits beyond health care services. With BlueCross BlueShield of Tennessee, you get:

  • A HealthCare Cost Estimator that helps predict cost of procedures using your
    plan details
  • 24/7 Nurseline advice
  • Member discounts on things like eyewear, massage therapy, dietary supplements, acupuncture and chiropractic care
  • Coverage when you travel out of state
  • Self-directed lifestyle coaching

* Deductibles for family coverage are twice the deductible listed for individual coverage regardless of family size.

Compare Prescription Drug Coverage

  • Make a list of the prescription drugs you and your family take.
  • Check the "Essential Formulary" on bcbst.com to see if they're covered.

better TN

Better Tennessee

Better Tennessee celebrates the people and organizations dedicated to improving the health of Tennesseans.


Learn More

BCBST_OEP_RR

Many Tennesseans are already getting assistance. Here's a quick way to find out if you might qualify.


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