Heads Up
2013 benefit materials coming soon

New CoverTN benefits materials for 2013 will be mailed to subscribers in November. Each packet will include a Member Handbook, a Guide to Benefits and Prescription Drug Program Guide. The materials are also available at bcbst.com. If you would like to request a copy of these documents, email the CoverTN Sales mailbox at CoverTN_Sales@bcbst.com.

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New Prescription Partnership for 2013!

Beginning Jan. 1, 2013, you and your employees' prescription drug benefits will be managed for BlueCross BlueShield of Tennessee by Express Scripts®. Together we'll be able to provide greater savings, care and convenience.

We have taken many steps to make this a smooth transition. Here are the key points you and your employees need to know. Keep this information handy for future reference:

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Quick Tips to Prevent the Spread of the Flu!

The flu is a contagious illness caused by influenza (flu) viruses. It can cause mild to severe illness and even death. Some people are at higher risk for serious flu complications. The best way to prevent getting the flu is to get a flu shot every year.

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Are you and your employees doing everything you can to screen for breast cancer?

Regular mammograms are still the best tests to find breast cancer early. Mammograms are X-rays of the breast. Mammograms won't find every cancer. But they sometimes find lumps or tumors years before they can be felt.

Everyone is different. You and your employees should ask your health care providers when to schedule a mammogram.

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Does Your Enrolled Employee Need Maternity Coverage?

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

• Contact CoverKids as soon as she knows she is pregnant. CoverKids will determine if she is eligible for TennCare OR HealthyTNBabies during the pregnancy. The CoverKids Customer Service toll-free number is 1-866-620-8864.

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Reminder: Non-Sufficient Funds (NSF) Notices

As a participating CoverTN employer, you are required to fund both your third and your employee's third of the required premium through the bank draft process. The State pays the final third. You must withhold your employee's third through payroll deduction.

• If CoverTN receives a notice of NSF from your financial institution for a premium payment, we will contact you, the participating employer by phone.

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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 Schedule of Benefits which is Attachment C of their Member Handbook. They can also find this information at bcbst.com. Go to the Plan Options tab at the top of the page and 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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