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Covering most health services that most Tennesseans need.

Third Quarter 2011

In this issue

Open Enrollment Period

Time to make updates!

CoverTN encourages you to enroll any non-participating employees during our annual open enrollment period for 2012 benefits. Open enrollment begins October 1 and ends October 31. We also suggest you remind your employees that they can enroll a spouse during this period of time, too.

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Don’t Forget About CoverTN’s 30-Day Enrollment Rule

Employers participating in CoverTN cannot enforce any waiting period (or probationary period) before a new employee becomes eligible for coverage. In fact, CoverTN requires that all new employees must submit an enrollment form to BlueCross BlueShield of Tennessee (BCBST) within 30 days of their hire date. Those who fail to enroll within 30 days of the qualifying event date must wait to sign up during CoverTN’s annual open enrollment period in October. This 30-day enrollment rule also applies to certain other types of applicants. See the Enrollment Timeframe Table below for a complete list of applicants to which this rule applies.

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Reminder: Stop Bank Drafts Before It’s Too Late

Your bank account is drafted on the first business day of each month. If your bank draft payment information changes, or if you need to cancel your draft, BlueCross BlueShield of Tennessee (BCBST) requires a 30-day notice prior to the expected date of change or cancellation of your payment draft. If this information is not received within 30 days of the change or cancellation date, the account could be drafted in error. If this happens, you will be charged a fee for any draft not honored by your financial institution. All change and cancel letters should be mailed or faxed to:

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Heads Up

2012 benefit materials coming soon

New CoverTN benefits materials for 2012 will be mailed to all participating employers and members in November. Each packet will include a Member Handbook (Plan A or Plan B), Provider Directory, and Prescription Drug Program Guide. Please keep copies in a safe place and refer to them often. The materials are also available at bcbst.com. To order a replacement of any of these documents or your member ID card, call Member Services at 1-888-887-3224.

Protect Yourself and Those Around You

Remind your employees to schedule their flu shot today

While flu season doesn’t kick into high gear for another couple of months, it’s not too early to remind your employees to plan for an annual flu shot.

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Member Rights and Responsibilities

CoverTN members have certain rights, responsibilities and expectations. Information on Member Rights and Responsibilities is available online at bcbst.com. Or members can request a printed copy by calling Member Services at 1-888-887-3224. Questions? They can call Member Services or visit bcbst.com.

How We Keep Our Member’s Personal Information Private

Want to know how CoverTN keeps our member’s non-public personal information private? Check out BlueCross BlueShield of Tennessee’s Notice of Privacy Practices at www.bcbst.com/about/legal/hipaa/HIPAA_privacy/, or call the Privacy Office at 1-888-455-3824. A copy of the Notice is included in the Member Handbook. The Notice is part of a federal law. The law went into effect in 2003. Protecting health information is an important part of this law.

Important Reminder about Insulin

Insulin and other certain prescription drug formulary diabetic brand drugs are not subject to the calendar quarterly payment limit of $250 under CoverTN Plan A or the quarterly limit of $75 under CoverTN Plan B. This is the case only when members purchase these drugs at an in-network pharmacy. Brand drugs purchased from an out-of-network pharmacy are not covered.

Update Your Personal Information

We can serve you and your enrolled employees best and reach all of you with important information about CoverTN’s benefits and coverage when our records about personal information are kept up-to-date. If your mailing address or telephone number has changed – or that of your employees – please report this to us as soon as possible.

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Everything You Want to Know about CoverTN

For information about premiums, eligibility, enrollment and payments, remember that you can always check out the CoverTN Business Owner’s Reference Manual online at bcbst.com. You can also download and print the manual form this site.

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Here is a recent comment that a happy CoverTN member made to Member Services Rep Kennettra Moore:

From Virginia Singleton of Jackson, TN:

“I have been very satisfied with CoverTN. I’m going on Medicare next month and really wish I could keep it. CoverTN has been a lifesaver for me, especially last year when I had to have emergency gall bladder surgery. I would recommend this insurance to anyone.”


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BlueCross BlueShield of Tennessee underwrites and administers CoverTN.
*Nurseline and Health Information Library are independent companies or services of independent companies serving CoverTN members.
The information provided is intended to be informative and educational and is not a replacement for professional medical evaluation, advice, diagnostic or treatment by a health care professional.
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