Give employees a choice of health plan options. Create 2-3 combinations of BlueCross BlueShield of Tennessee's health plans and provider networks so employees can choose the coverage that best suits their individual needs.

Here's how it works:

Step 1: Create health plan options

Design health plan options based on specifications such number of employees, copay and deductible amounts, coinsurance and maximum out-of-pocket cost. It's a good idea to provide employees with variety - such as one plan option with rich benefits and another that is more affordable.

Step 2: Add provider networks

Choose a network for each plan option.

• Blue Network K - a lower cost option with a more limited network of credentialed doctors, hospitals, health care providers and pharmacies.
• Blue Network S - a wide variety of credentialed doctors, hospitals, health care providers and pharmacies - with a greater focus on affordability.
• Blue Network P - a wide variety of credentialed doctors, hospitals, health care providers and pharmacies.

Step 3: Determine health plan choices

Your benefit combinations and choice of provider network determines both the plan coverage and cost. Create two or three plan options that provide the choice between richer benefits and lower cost.

Here's an example of a Multi-Plan package for a group of 26+ employees. Notice the difference in plan specifics so that there is a choice between more benefits and lower premium.

Coinsurance PPO with office visit copay	HSA-qualified High Deductible Health Plan	ValuePak #4
$500 deductible	$2,500 deductible	No deductible
$2,500 out-of-pocket maximum	$2,500 out-of-pocket maximum	$10,000 out of pocket maximum
$20 office visit copay	$20 copay for preventive services	All services covered at 50% coinsurance, including prescription drugs
$10/$35/$50 prescription drug plan	All other services covered at 100% after the deductible, including prescription drugs

Final Step: Contact your broker or give us a call at 1-800-565-9140 for more information on BlueCross BlueShield of Tennessee health plans.