BlueCross BlueSHield of TN
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puzzle BlueCross BlueShield of Tennessee offers a broad portfolio of health benefit plans to meet the needs of employers of all sizes. We recognize that there are many variables to consider when choosing coverage for your employees. Our wide array of options allows you to customize plans by mixing and matching hundreds of benefit combinations with multiple provider networks. You can offer a single plan or build multiple plans for your employees to choose.

Our plans include traditional deductible/coinsurance plans and office visit copay plans in which you choose the deductible, out-of-pocket maximum, coinsurance level and many other benefit components to build the plan that's best for your employees. Smart Consumer Plans, High-Deductible Health Plans and Copay PPO plans offer a wide range of benefits in a pre-packaged plan format. We offer integrated HRA and FSA solutions. And all fully insured plans include Well+Wise – a comprehensive suite of health and wellness programs, including Personal Health Assessments, 24/7 Nurseline, Disease Management and Chronic Condition Coaching.

A simple 3-step process will assist you in purchasing the right health plan for your employers:

Step 1: Create health plan options
Design health plan options based on specifications like number of employees, copay and deductible amounts, coinsurance and maximum out-of-pocket cost.

Step 2: Choose a network for each plan option

  • 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 offer employees the choice between richer benefits and lower cost.

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