How/when can I enroll in or switch to an individual or family plan?

Open Enrollment ended Jan. 15, 2026. But if you've had a major life change, such as getting married, losing Medicaid or employer coverage, or moving out of state, you could shop with a special enrollment window for a limited time.

How/when can I enroll in or switch my employer's plan?

Your employer likely has an enrollment window each year for you to sign up unless you're a new employee. You can also sign up or change your plan any time you have a major life change, such as getting married or having a child. Talk with your HR team about how to get enrolled.

How/when can I enroll in or switch a Medicare plan?

If you’re just turning 65 or retiring, you have a window of three months before and three months after your birthday to sign up for Medicare.After your initial enrollment period, you can join or switch plans during set times each year. The Annual Enrollment Period (AEP) goes from Oct. 15 to Dec. 7. If you have Original Medicare, you can join a Medicare Advantage plan during this time. If you already have a Medicare Advantage plan, you can switch to another or go back to Original Medicare. Your new plan will start on Jan. 1 of the next year. The Medicare Advantage Open Enrollment Period (MA OEP) goes from Jan. 1 to March 31. It’s for people who are already enrolled in a Medicare Advantage plan — even if you just signed up for one during AEP. During MA OEP, you can switch to another Medicare Advantage plan. Or you can switch to Original Medicare. But you can only switch once during this period each year. Your new plan will start on the first day of the month after you switch. Need a plan outside of these dates? If you’ve lost your coverage or had a major life change, you may qualify to make changes to your plan right away. Call us if you have questions.

How can I enroll in a BlueCare Plus Tennessee plan?

You might be eligible for a BlueCare Plus Tennessee plan if you qualify for Medicare and are a BlueCare member or enrolled in TennCare's 1915(c) waiver program. You may also qualify through TennCare's Qualified Medicare Beneficiary program. Visit the BlueCare Plus website, contact BlueCross BlueShield of Tennessee or reach out to your broker for more information.

How does Medicare work? What do I need to do?

Review the Medicare 101 Guide to learn the basics of Medicare coverage. You can also call the Medicare sales team at 1-800-292-5146, TTY 711. Representatives are available from 8 a.m. to 9 p.m. Eastern Time.

Can I get help paying for an individual or family health plan?

If you qualify, you could get a credit that lowers your monthly payment or helps with the cost of your care, like your deductible . Many people qualify for these tax credits. If you have a BlueCross plan now and have questions, give us a call at 1-888-286-0810. We’re here to help. Here’s a list of things to have ready when you apply for financial help: Mailing addresses, Social Security Numbers and documentation for everyone you want to cover. Income documents, such as pay stubs and W-2 forms. Your household income from your most recent income tax filing. Policy numbers for current health plans. A completed Employer Coverage Tool. Visit HealthCare.gov for more information.

Can I get help paying for Medicare prescription coverage?

Prescription coverage is so important, but it can also be a big expense. If you or your loved ones need help paying for your Medicare prescription coverage, you might qualify for Extra Help through Social Security. Visit the Social Security website to see if you qualify.

OUR PLANS

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Whether you need coverage for yourself, your family or your employees, we're right here to help you find the right plan.

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See what plans we offer

Individual & Family Plans

Our 2026 Marketplace plans include mental health coverage, telehealth coverage, preventive care coverage and more. 

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Medicare Plans

If you’re eligible for Medicare, we can help you understand your Medicare options and find the plan that’s best for you and your budget. 

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Medicaid With Medicare (BlueCare Plus) Plans

If you’re eligible for Medicare and Medicaid, our BlueCare Plus Tennessee plans give you the benefits you need, plus help with more than just your insurance.

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Medicaid (BlueCare TN) Plans

Our BlueCare Tennessee plan is part of the TennCare® program. Check to see if you’re eligible.

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Dental & Vision Plans

If you want to complete your coverage, we have dental and vision plan options for you to choose from.

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Employer & Group Plans

If you’re looking for medical, dental and vision plans for you and your employees, we have options to keep you covered from head to toe.

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INCLUDED WITH INDIVIDUAL PLANS

Diabetes Management program

All of our individual health plans include a Diabetes Management program at no extra cost. You’ll get personalized help, a smart glucose meter, unlimited testing supplies and more.

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Frequently Asked Questions

Questions about shopping for plans? We’ve got answers.

See all questions

How/when can I enroll in or switch to an individual or family plan?
How/when can I enroll in or switch my employer’s plan?
How/when can I enroll in or switch a Medicare plan?
If you’re just turning 65 or retiring, you have a window of three months before and three months after your birthday to sign up for Medicare.
After your initial enrollment period, you can join or switch plans during set times each year.
The Annual Enrollment Period (AEP) goes from Oct. 15 to Dec. 7. If you have Original Medicare, you can join a Medicare Advantage plan during this time. If you already have a Medicare Advantage plan, you can switch to another or go back to Original Medicare. Your new plan will start on Jan. 1 of the next year.
The Medicare Advantage Open Enrollment Period (MA OEP) goes from Jan. 1 to March 31. It’s for people who are already enrolled in a Medicare Advantage plan — even if you just signed up for one during AEP.
During MA OEP, you can switch to another Medicare Advantage plan. Or you can switch to Original Medicare. But you can only switch once during this period each year. Your new plan will start on the first day of the month after you switch.
Need a plan outside of these dates? If you’ve lost your coverage or had a major life change, you may qualify to make changes to your plan right away. Call us if you have questions.
How can I enroll in a BlueCare Plus Tennessee plan?
How does Medicare work? What do I need to do?

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MORE ABOUT FINANCIAL HELP

You may be able to get help paying for your plan

Many Tennesseans who have Marketplace plans or Medicare plans get help with the cost of their plan.

For individual & family plans
If you qualify, you could get a credit that lowers your monthly payment or helps with the cost of your care, like your deductible . Many people qualify for these tax credits.
If you have a BlueCross plan now and have questions, give us a call at 1-888-286-0810. We’re here to help.
Here’s a list of things to have ready when you apply for financial help:
Mailing addresses, Social Security Numbers and documentation for everyone you want to cover
Income documents, such as pay stubs and W-2 forms
Your household income from your most recent income tax filing
Policy numbers for current health plans
A completed Employer Coverage Tool
Visit HealthCare.gov for more information
For Medicare plans

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FEDERAL EMPLOYEE PROGRAM

Medical, Dental and Vision Coverage

You can manage claims, find doctors, view your benefits and more at our sites just for federal employees.

Coverage is available to:

Federal employees/retirees and their families
USPS employees/retirees and their families
Retired uniformed service members and their families

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BlueCross BlueShield of Tennessee Customer Service Representative

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You can also call us at 1-888-286-0810.

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