Frequently Asked Questions

A network is a group of doctors we work with to provide care to our members. Providers in our network agree to offer our members a discount. Providers who aren’t in our network don’t offer that discount, so their rates are higher. 

To find your network, look at the front of your Member ID card. It’s most likely on the bottom left corner.

You can search for providers by network in the Find Care tool. Either search the provider’s name and check which networks they’re in, or search for providers near you and filter your results by your network. If you log in at bcbst.com, your search results will automatically list providers in your network.

That depends on your plan benefits. For most plans, if you see a provider who is not in your network, subject to your out-of-network deductible and coinsurance. In that case, we typically pay the amount that we’d pay a provider who is in your network, subject to your out-of-network deductible and coinsurance. You’ll pay whatever is left on your bill. Please keep in mind that some plans, like those you may have purchased through Healthcare.gov or signed up for through TennCare, don’t pay for providers who aren’t in your network.

This depends on what kind of plan you have. 

Many employer plans include the Blue Cross Blue Shield Global Core® travel program that lets you see providers in other BlueCross networks while you’re traveling. If you see a small suitcase icon on your member ID card, then you have Global Core. If you’re planning a trip and have specific questions, the best thing to do is call Global Core directly at 1-800-810-2583. They’re ready to help you out. 

If you have an individual or family plan, or one through your employer, you can log in to bcbst.com and enter your location into the Find Care tool. 

Medicare members should contact us, and we’ll help you decide how to get care. 

Medicaid or Medicare with Medicaid members can only get coverage for providers out of the state of Tennessee if it’s a true emergency.

Click here to contact us, and we’ll walk you through getting your card updated.