Short-Term Health Insurance.

To bridge the gap between traditional coverage.

Short-Term Health Insurance.

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Short-Term Personal Health Coverage

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:

  • Your choice of deductible ($250, $500, $1,000 or $2,500)
  • Your choice of 1 month, 2 months or 3 months of coverage
  • Access to Network P, our largest provider network, and a broad network of pharmacies
  • Accepted worldwide
  • No-hassle claims filing
  • Ability to check benefit information and claims status using our mobile app, MyBlue TNSM, or online
  • Access BluePerksSM, our members-only discount program that can help you save up to 50 percent on health-related services and products not covered by your plan

Some services covered by a short-term plan include:

  • Doctor's office visits
  • Routine diagnostic services
  • Prescription medicines
  • Hospitalizations
  • Emergency care and ambulance services
  • Skilled nursing facilities (limited to 10 days per policy term)
  • Therapy services including physical, speech, occupational, manipulative, cardiac and pulmonary rehabilitation (10 visit limit per benefit period)
  • Home health services (10 visit limit per benefit period; prior approval must be obtained)
  • Temporomandibular Joint (TMJ) ($500 limit per benefit period)
  • Durable medical equipment
  • Prosthetics and orthotics

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:

  • Treatment for pre-existing conditions
  • Treatment of nervous and mental disorders
  • Treatment of alcohol and substance abuse
  • Experimental or investigative treatment and services
  • Eyeglasses, contact lenses or hearing aids
  • Routine checkups and immunizations (shots), allergy testing

To find out more about benefits and exclusions of short-term plans, call us or email us at 1-888-744-9584 or, 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.

Save up to 50% Off

Exclusive savings on services like LASIK eye surgery, massage therapy, much more.

Discounts with BluePerks

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