I Want to See

search icon

I Want to See

How we cover your care has changed

DESKTOP

We work with certain doctors, hospitals and specialists to give you the best member discounts for care. We call this your provider network. For 2019, we've switched from a Preferred Provider Organization (PPO) to an Exclusive Provider Organization (EPO). This change means your health plan will only cover non-emergency care if you go to in-network providers. If you go to out-of-network providers, you’ll have to pay the full cost of your care unless it's a life-threatening emergency.

When you get care in Tennessee, you’ll be covered when you see any of the thousands of providers in Blue Network SSM. And when you’re out of state, you can see any provider in the BlueCard® PPO network.

We know this is a lot of information, so we’ve created the chart below to help.

Is Your Care Covered?

NON-EMERGENCY EMERGENCY
Blue Network S
Inside Tennessee
Yes
Yes
Out-of-Network Provider
Inside Tennessee
No
Yes, but you’ll still pay for more of your care
BlueCard PPO Provider
Outside Tennessee
Yes
Yes
Out-of-Network Provider
Outside Tennessee
No
Yes, but you’ll still pay for more of your care

It’s important to remember that even in an emergency, you’ll pay for more of your care if you go to a provider that isn’t in your network.

Your 2019 plan options

If you’re interested in signing up for one of our 2019 plans, we recommend you take these simple steps:

If you’re interested in signing up for one of our 2019 plans, we recommend you take these simple steps:

  • See if you're eligible to sign up during a Special Enrollment Period.
  • Look for the plan that’s right for you. If you sign up for a plan on the Health Insurance Marketplace, you may qualify for financial help to lower the cost of your premiums.
    • Shop for plans that include financial help
    • Shop for plans that don’t include financial help
  • You can click here to estimate how much help you might get paying for a plan.
  • If you go to providers who aren’t in Network S, you’ll have to pay the full cost of your care. But the good news is that it’s easy to make sure your providers are in Network S. Just go to our Find a Doctor tool and search for your providers by name. Or just give us a call at 1-800-565-9140 Monday through Friday, 8. a.m. to 6 p.m. If you need help selecting a plan, you can call us at 1-888-995-7786. Or talk to a certified application counselor, an enrollment assistor, or a licensed broker or agent.

*This is just an estimate—you’ll need visit Healthcare.gov to see an exact amount, or wait until you get your first bill before you know your exact cost.