Individual and Family Plans
BlueCross BlueShield of Tennessee
BlueCross BlueShield of Tennessee is the state's oldest and largest not-for-profit health plan, serving nearly 3
million Tennesseans. Founded in 1945, the Chattanooga-based company is focused on financing affordable
health care coverage and providing peace of mind for all Tennesseans. BlueCross serves its members by
delivering quality health care products, services and information. BlueCross BlueShield of Tennessee Inc. is an
independent licensee of BlueCross BlueShield Association.

PersonalBlue Plans:  Blue Cross Blue Shield of Tennessee offers several PPO plans from which to choose. These PPO plans
include a large number of member physicians and health care providers. Members can see any health care provider in the system
without needing a referral.

With a PersonalBlue individual health insurance plan from BlueCross BlueShield of Tennessee, you can rest easy knowing that you
have coverage that meets your needs and fits your budget.

All PersonalBlue plans include these great features:

    •Comprehensive wellness benefits (i.e. immunizations, well-care exams, cervical or prostate cancer screenings,
    mammography screening) with no annual limits on what the plan pays for covered services

    •Prescription drug coverage

    •Access to our largest network of doctors, hospitals and health care providers, with the option to save money by
    choosing our smaller network

    •Behavioral health coverage

    •Office surgeries

    •Routine diagnostic lab tests and X-rays

    •Advanced radiological imaging (i.e. CAT scans, CT scans, MRI’s, PET scans, nuclear medicine and other similar
    technologies)

    •Optional maternity coverage

    •Optional dental coverage

         •Optional vision coverage

Added Value When You Choose Blue

    •Freedom to Choose Any Doctor, Hospital or Other Health Care Provider

    •Accepted Worldwide

    •No-Hassle Claims Filing

    •Check Benefit Information and Claims Status Online
    •see how much you’ve paid toward your deductible
    •review the status of your claims
    •get information about getting approval for certain medical procedures before you are treated (i.e.
    prior authorization)
    •view copies of your Explanation of Benefits – the detailed overview showing what services you
    received, what you were charged, what BlueCross paid and what you may owe your health care
    provider - and more!

You also get special member perks – in some cases, up to a 50 percent discount on non-covered services.
Individual & Family Health Insurance
Apply Online
Print Application
or
BlueShield of Tennessee Association® Registered marks of the BlueCross BlueShield Association, an Association of Independent BlueCross BlueShield Plans
TennHealth Insurance Services
is an authorized agent for BlueCross BlueShield of Tennessee.  
Call 888-207-8368
for a LIVE AGENT from Tennessee
waiting to talk to you.
    Founded In: 1945
    Number of Employees: 4,300
    Membership: Nearly 3 million members
    Network: 146 hospitals (acute care facilities), 1,537 other facilities, 18,920 doctors and specialists, 1,931 dentists
You can see if your doctor is a preferred provider by checking the Directory of Participating Providers.
Copyright © 2010
TennHealth.com.
TennHealth Insurance Services
Lexington TN 38351
Think your medical conditions may
be an issue with underwriting?  

Underwriting of your application with BlueCross BlueShield of Tennessee normally takes 7-10 working days, though if medical
records are ordered it could take longer.

The effective date will be the first day of the month following the date we receive the application if no effective date is requested, or
you may request a specific effective date.  The requested date must be noted on the application and must be after the date the
application is received by BlueCross BlueShield of Tennessee.

Effective dates will not be moved forward without proof of other insurance coverage.  This information must be received during the
10-day free look period of the policy.

It is standard practice to request a Blood Pressure Inquiry on all applicants who are currently being treated for or who have recently
discontinued treatment for high blood pressure.

Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not
receive notification of your approval until after your effective date.  If you have claims during this period, they will be eligible for
coverage if submitted after you have been approved.  Also note that you will be billed starting on your requested effective date,
even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any
present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you
maintain your current coverage in force until you have received notice from either TennHealth Insurance Services or directly from
BlueCross BlueShield of Tennessee that your coverage has been approved and is in force.