If you need health care coverage to bridge the gap between the time one plan ends and another begins, BlueCross BlueShield of Tennessee has short-term coverage options to help.
These plans do not provide the level of coverage required by the health care law, so you may not be able to avoid paying a tax penalty. But the good news is these plans can give you the coverage you need until you are able to get back on a traditional plan.
With a short-term plan, you'll get:
Some services covered by a short-term plan include:
It's important to know certain services require prior authorization before services are received. If you or your doctor, do not get prior authorization, benefits may be reduced or denied.
Some services are not covered by short-term plans, including:
To find out more about benefits and exclusions of short-term plans, call us or email us at 1-888-744-9584 or IndividualSales_Support@bcbst.com, or call your broker for more details.
Need additional coverage?
You may apply for up to four consecutive BlueCross BlueShield of Tennessee short-term policies for a total of 12 months of coverage. After that, you must wait six months before applying for additional short-term coverage. Any medical condition that occurs before or during your current short-term policy will be considered a pre-existing condition on any future short-term policy. Your short-term coverage can be extended if you are hospitalized when your coverage expires.