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Covering most health services that most Tennesseans need. Fourth Quarter 2011


In this issue

Non-Sufficient Funds (NSF) Notices

As a participating CoverTN employer, you are required to fund both your third and your employer's third through the bank draft process, and to withhold your employee's third through payroll deduction.

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Better Health Can Equal Big Rewards

Quitting tobacco and losing weight can have a positive impact on the health of your employees. And on their wallets, since premium rates are more expensive for members who use tobacco and are overweight than for those who are tobacco-free and not overweight.

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Member Testimonial

‘I Wanted to Get Busy Living’

CoverTN member Andrew Smith's primary reason for wanting to lose weight was "loftier" than most. He wanted to be able to run in the Country Music Half Marathon in Nashville, a qualifying event for the Boston Marathon.

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Understanding CoverTN’s Benefit Limits

It's important that your enrolled employees remember the rules and limits of their CoverTN health plan. The chart below highlights some of them. For a complete listing, members should review their Summary of Benefits that they received in their welcome packet. They can find this information at bcbst.com. Just go to the Plan Options tab at the top of the page. Then choose Cover Tennessee from the drop-down menu. Or, they may call Member Services toll-free at 1-888-877-3224 (TDD/TTY 1-866-591-2908) for details.

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Does Your Enrolled Employee Need Maternity Coverage?

Maternity benefits are not included as a benefit under CoverTN. So, members who become pregnant should take the following steps:

  • Contact CoverKids as soon as they know you are pregnant. CoverKids will determine if they are eligible for TennCare OR HealthyTNBabies during their pregnancy. The CoverKids Customer Service toll-free number is 1-866-620-8864.
  • Members eligible for HealthyTNBabies must keep their CoverTN coverage throughout the pregnancy. In this case, CoverTN would continue to cover services not related to the pregnancy. Members who drop their CoverTN coverage may no longer be eligible for HealthyTNBabies.
  • Members eligible for TennCare do not have to remain enrolled in CoverTN, since TennCare covers all services during the pregnancy. However, they may choose to remain enrolled in CoverTN to avoid any future break in coverage.
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Moving? Let us Know!

To update your information or that of your enrolled employees, call Member Services toll-free at 1-888-887-3224 (TDD/TTY 1-866-591-2908). CoverTN can serve participants best and reach them with important information about their benefits and coverage when we have the most up-to-date information.

Get Your Flu Shot!

The flu is nothing to sneeze at. The Centers for Disease Control and Prevention (CDC) reports that flu-related deaths range from a low of about 3,000 to a high of 49,000 people each year.

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Other Insurance Coverage

Please note that members may still be able to keep CoverTN if they pick up certain other kinds of health insurance after becoming effective for CoverTN. However, they must let us know about any other coverage they may have. When members do this, they help us keep accurate records on them and pay their claims correctly and quickly. Delayed or missing information may affect the payment of their claims.

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Save Money by Using Network Providers

CoverTN uses providers in Network V. If members go to a provider outside their network, no benefits will be paid unless it's an emergency. To find a network provider, remind your enrolled employees to use the "Find a Doctor" tool at bcbst.com. They may also call Member Services toll-free at 1-888-877-3224 (TDD/TTY 1-866-591-2908) or check their printed Provider Directory if they do not have Internet access. In addition, members can call Member Services if they're having trouble finding a provider and/or scheduling an appointment with one.


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