BCBST.com 800-565-9140 Group Number: 130415
YOUR MEDICAL PLAN BLUECROSS BLUESHIELD OF TN XGS is happy to offer medical insurance options that best fit the needs of you and your family.
z High PPO Plan: This new plan gives you the lowest cost per paycheck and will provide you with healthcare coverage z Traditional PPO: This option will cost you less when you go to the doctor in exchange for a higher cost per paycheck z High Deductible Plan: This plan allows you to save with a Health Savings Account and XGS will continue to contribute funds into your account Use In-Network Providers
Why Use Preventive Care? According to the U.S. Centers for Disease Control and Prevention (CDC), 7 out of 10 Americans die each year from chronic diseases, many of which are preventable. When preventive care is used and illnesses are caught early enough, individuals can avoid or better control their health problems. WHY USE PREVENTIVE CARE? Preventive care is important because it helps you stay healthy and access prompt treatment when necessary, and it can also help reduce your overall medical expenses. z Stay healthier and get more effective treatment z Pay less for medical expenses z Many preventive services are now covered in full WHAT SERVICES ARE CONSIDERED PREVENTIVE CARE? The U.S. Department of Health and Human Services has provided lists of preventive services that must be covered by most health insurance plans. Lists are available for adults, women and children, as covered services depend on age and gender. Visit hhs.gov/healthcare/about-the-aca/ preventive-care/index.html
What does it mean to go to an in-network provider? When your doctor or hospital is considered “in-network” it means that your provider has negotiated to offer their services at a lower rate.
The network that you belong to is:
BLUE NETWORK P To find out if your provider or facility is in-network
1. Call BCBS at 866-270-5311 or 2. Visit bcbst.com
z Click “Find Care” z Select the network “Blue Network P” if you live in Tennessee. If you live out-of-state select the “BlueCard PPO” network. z Enter your City, State or Zip z Select to search by type of care, name of provider, or type of specialty REMEMBER: Make sure both your doctor and your facility are in-network.
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