The PersonalBlue Regular PPO Health Insurance plans from Blue Cross Blue Shield of Tennessee come in many designs, from a 50% drug copay, a drug copay with a deductible for name brand, as well as a drug copay in a standard tier system with no deductible. They offer copay, small copay, with no doctor visit copay plans, and have plans with 0% coinsurance after the deductible, or 20% after the deductible. The complexity of the plan selections make them difficult to choose between without assistance, as specific things make bigger differences in the plan cost. Typically we find that plans between the 2500 and 5000 deductible range with Blue Cross, with the 20% coinsurance after the deductible so the copay on office visits and drugs with the annual deductible on name manufacturer drugs to be the plans with the perfect overall rates in this design. It is easy to take a 5000 deductible plan, pair it with accident and critical sickness coverage, and in many cases this design will save you money and leave you with a much lower total bill in case there is a large claim. There is a design obtainable with a maximum of 4 office visits per year, however the savings offered are minimal, and normally if you want office visit co-payments it is in your advantage to take the unlimited copay plan design. The plans without any office visit copay are likely to compare poorly to the HSA designs, and we typically will recommend the HSA plans over the no office visit copay designs because they are less expensive that have advantages in the out of pocket liability of the plan.

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PersonalBlue HSA Health Insurance Plans from Blue Cross Blue Shield of Tennessee

PersonalBlue HSA Medical Health Insurance Plans are made as a stop loss type plan that also allows accumulation of tax free funds in order to spend on health related services. They are usually the most affordable health insurance plan designs offered in Tennessee. The method in which a HSA plan works, it has a single annual deductible for an individual or your entire family, and after the deductible have been met it covers 100% of all costs. You pay out of pocket for services up to the deductible limit. This plan design once paired with maternity and a low deductible is the most affordable maternity coverage in Tennessee health insurance in out of pocket costs, and when paired with critical illness and incident coverage and a high deductible it tends to be the least expensive method to insure your whole family. As with most plans, preventive care visits are covered with no co-payment before the deductible has been met.

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Tennessee Medicare advantage PPO Plans

Very few companies still offer a PPO or PFFS medicare advantage plan in Tennessee, and BCBSTN is the only carrier which has a no premium plan offered statewide. It has reasonable co-pays, includes drug coverage, and is accepted at most doctors clinics and hospitals statewide. As with any medicare advantage plan, it is always best to check all your doctors and medications to ensure all your needs are covered, but we have found that this plan is suitable for a lot of people. Blue Cross Blue Shield of Tennessee also provides a couple other designs for plans, but in most cases if you choose medicare benefits from them, the zero premium plans make the most sense to our clients when compared side by side.

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