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Blue Networks: Designed To Save You Money

When you choose a BlueCross BlueShield of Tennessee health plan, you also choose a Blue NetworkSM of doctors, hospitals and other providers to use when you need care.

Each Blue Network includes a variety of health care providers who meet the same high standards for quality care. And we work with these doctors, hospitals and other providers to offer you care at special negotiated rates — so you can save money.

Why is it important to use providers in your select Blue Network? Because if you use a doctor or hospital outside your network, it lowers the amount BlueCross pays and you have to pay higher copays, coinsurance and/or deductibles. This applies even in an emergency situation. The provider can also bill you the difference between their usual charge and the amount BlueCross agreed to pay – known as "balance billing."

Understanding the Differences in the Blue Networks:
Blue NetworkSM PBlue NetworkSM SBlue NetworkSM E
Available ON healthcare.gov?




Available OFF healthcare.gov?




Buy Through Broker or Agent?



Yes, in Chattanooga, Knoxville, Memphis and Nashville areas*

Access to Doctors & Hospitals in TN



Chattanooga, Knoxville, Memphis, and Nashville areas

Access to Doctors & Hospitals Outside TN

Yes within BlueCard network

Yes within BlueCard network

Yes within BlueCard network


Highest premium and access to the widest selection of doctors and hospitals

Average premium and access to a select but statewide list of doctors and hospitals

Lowest premium and limited to specific doctors and hospitals in Chattanooga, Knoxville, Memphis and Nashville areas

*Only on healthcare.gov

Know Then Go. To avoid higher costs, confirm that your doctor, hospital or urgent care facility is in your network before receiving care. Visit the Blue Network E page for more details.

BlueCard® - The Network That Travels With You

All BlueCross BlueShield of Tennessee members have our BlueCard network, which includes doctors and hospitals across the country and around the world. No matter where you travel, you can get in-network care when you need it.

If you’re a current BlueCross BlueShield of Tennessee Member, but you’re not sure of your network, you can you can look on your ID card or log in to BlueAccess to find out!

We’re committed to helping you understand how to use your benefits. If you have questions, please call us at 1-800-565-9140, Monday — Friday, 8 a.m. to 5:15 p.m. ET.

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