CoverTN limited benefits are designed to provide working Tennesseans with low-cost coverage for basic medical service. These plans encourage regular doctors visits and preventive screenings, that help decrease the need for high-cost care in the future. Not to be confused as an inexpensive replacement for traditional PPO coverage, CoverTN simply helps previously uninsured Tennesseans lower the need for potential high-cost care in the future.

CoverTN plan benefits are very limited compared to traditional insurance. For instance, these plans do not have an out-of-pocket maximum, so they do not protect against the potential of catastrophic medical costs. In other words, there is no limit to the amount of medical bills a member might have to pay for a major illness or injury, such as disease treatment, or injuries sustained in an automobile accident for example.