I Want to See

Choose Which Plan Is Best for You

Healthcare isn't “one size fits all.” Answer these quick questions and we will narrow your choices down to the plans that best fit your needs and your budget.

0

Do you want to apply for financial assistance when you enroll in your health plan?

Why do we ask? When you shop for a health plan, you'll be able to see if you qualify for financial assistance that can help lower the costs of your plan.

2

Find out if you should apply for financial assistance.

Financial Assistance, please select an option:
How to find out: Many Tennesseans are already getting help paying for their health plan, and we’ve got a quick way to find out if you qualify. Find out now

1

Introduction: How to Compare Health Insurance Plans

Before you apply for financial assistance and enroll in a plan, here are some IMPORTANT things to consider.

To begin with, consider:

  • Coverage: Most plans cover the same types of care and services, but you need to consider any extra benefits and discounts that the plans offer as well.
  • Costs: Make sure you think about what you can afford monthly (premium), what is the most you can spend up front (deductible) before your health plan pays its share of costs and what is the most you can pay for medical expenses in a year (out-of-pocket maximum)?
  • Networks: When you choose a health plan, you also choose a group of doctors, hospitals and other providers you can use when you need care. This group is known as your network. By going to in-network doctors and hospitals, you pay lower copays and avoid other out-of-network costs.
Why does it matter? Keep in mind that plans with more coverage and higher premiums do not always include larger networks. That's why you need to know a plan's network before you enroll. Click the "next" button for more information.

2

Comparison Made Easy: Understand Metal Levels

We organize plans by metallic level. Use these levels as a guide to help you decide which type of plan is best for your needs and budget.

Do less expensive plans still cover essential care? Under the Affordable Health Care Act all health plans cover the same basic services. The main difference is how you want to handle the costs for these services.

3

Provider Networks: Get Quality Care & Keep Costs in Check.

BlueCross has three provider networks to choose from. Before you choose, it might help to use the find a doctor tool to see if the doctors, pharmacies and other providers are within the networks you're considering.

In addition, remember that our health care plans provide coverage that travels with you to all 50 states plus nearly every country and territory around the world with the BlueCard program.

Why does this matter? Choosing an affordable network is important, but it's more important to know that you'll have doctors that you might need available to you in case you need them.

4

Are you ready to start the enrollment process?

Would you rather get 1-on-1 help? If you'd rather get face-to-face help, we can walk you through the details and make sure you get the coverage you need. LEARN MORE.

1

Are you looking for an HSA-compatible plan?

What is an HSA? An HSA (Health Savings Account) is a personal savings account you set up with your bank or financial institution. You can only use an HSA to pay for qualified medical expenses with tax-advantaged dollars. MORE ON HSAs

2

When it comes to a monthly payment (your premium), which do you prefer?

Which option should I choose? In general, people who go to the doctor frequently prefer plans with a higher monthly premium because each visit will cost less. Likewise, if you don't see the doctor much, you may prefer a plan that costs less each month, knowing you'll pay more when you get care. MORE ABOUT PREMIUMS

3

Next, consider your deductible preference. How much can you afford to pay up front for care before your plan starts to share a percentage of your costs?

Which option should I choose? Remember: the deductible is what you pay before your plan begins paying benefits. People who don’t go to the doctor much generally choose a plan with a higher deductible and lower monthly premium. You might prefer a lower deductible in exchange for a higher monthly premium if you expect to get care more frequently. MORE ABOUT DEDUCTIBLES

4

Some plans have a copay – a fixed amount each time you visit the doctor. Other plans have coinsurance – a fixed percentage of the cost after you reach the deductible. Which do you prefer?

Which option should I choose? A copay is the fixed amount you pay when you get certain types of care – a visit to the doctor’s office, for example. Copays vary, depending on your plan’s benefits. Lower copays usually mean higher monthly premiums. With coinsurance you pay a fixed percentage of the total costs after you’ve met your deductible – so your monthly premium could be less. MORE INFO

5

Copay or coinsurance – which would you prefer for prescriptions?

Which option should I choose? A prescription copay is the fixed amount you pay when you purchase certain prescriptions. Copays vary, depending on your plan’s benefits. Lower copays usually mean higher monthly premiums. With prescription coinsurance you pay a fixed percentage of the total costs after you’ve met your deductible – so your monthly premium could be less. MORE INFO

6

Last question – which option below sounds like the best fit for your needs?

Why does this matter? Picking the right provider network – doctors, hospitals and other providers – and staying in-network when you need care is the best way to control your costs. As you might guess, larger networks mean higher monthly premiums. MORE ABOUT OUR NETWORKS

7

Your Recommended Plan Type:

Results

This recommendation is based on your answers, if you are ready to enroll in this plan, please be sure to write down the plan name so you can find it easier when enrolling.

Show Me Plans with Financial Assistance

Recommended

Results

  • Individual Deductible

  • Medical Services Copay

  • Rx Copay

  • Coinsurance After Deductible

  • Out-of-Pocket Max

More Plan Details

Additional Plan Match

Results

  • Individual Deductible

  • Medical Services Copay

  • Rx Copay

  • Coinsurance After Deductible

  • Out-of-Pocket Max

More Plan Details

Additional Plan Match

Results

  • Individual Deductible

  • Medical Services Copay

  • Rx Copay

  • Coinsurance After Deductible

  • Out-of-Pocket Max

More Plan Details

TAKE QUIZ AGAIN

* After $500 brand deductible

Need 1-on-1 Support? If you'd like to get face-to-face help, we can walk you through the details and make sure you get the coverage you need. LEARN MORE

BCBST_OEP_RR

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


Health Insurance Marketplace Calculator

Get One-on-One Help

We’re with you every step of the way – including the first. Finding the right Medicare plan can be confusing, but you can get help from one of our insurance advisors in-person or by phone.

Get One-on-One Help