Medical/Prescription 2024

Our company partners with BlueCross BlueShield of Tennessee (BCBSTN) to offer medical insurance and Express Scripts for prescription drug insurance.

Plan Highlights

We offer three healthcare plans so that you can choose the level and type of plan that is best for you and your family. When you choose in-network providers, you benefit from our negotiated discounts with BlueCross BlueShield of Tennessee and Express Scripts.

Member Site

Visit bcbst.com to find:

In-network providers
Access to temporary ID cards and means to order another ID card
Information regarding paid and pending claims

Visit express-scripts.com/Frontdoor to find:

In-network pharmacies (called preferred pharmacies on the Express Scripts website)
Medication prices
Claims information
Refill instruction

Stay in the Network

A network is a group of providers your plan contracts with at discounted rates. You will almost always pay less when you receive care in-network.

If you choose to see an out-of-network provider, you will pay more out of pocket due to a higher deductible and co-insurance requirements. You also may be balance billed, which means you will be responsible for charges above BCBSTN’s reimbursement amount.

How to Search for a Participating Provider

Go to bcbst.com
Click on find a doctor
Under All Networks, from the dropdown menu, choose “Blue Network P” for providers in the Tennessee area; choose “Blue Card PPO” for providers outside Tennessee area.

Important Insurance Terms

In-Network: Providers who are in the health plan’s network and who have contracted with the health plan for reimbursement at a negotiated discounted rate. Participants in the plan pay less using an in-network provider because of the contract terms with a physician and facility.
Out-of-Network: Providers who have not contracted with the health plan for reimbursement at a negotiated rate. Participants pay more out of pocket with an out-of-network provider, and may have more of an administrative burden, such as filing claims. Reimbursement is based on reasonable and customary charges (R&C); any amount above the R&C amount is paid by the participant.
Deductible: The amount of money you are responsible for paying before your plan shares your costs.
Coinsurance: The percentage you and the plan pay; in our plans, you pay a smaller percentage and the plan pays a larger percentage.
Copay: A fixed amount for certain services you pay in some of our plans, for example, for office visits.
Out-of-Pocket Maximum: The maximum amount an individual/family pays for expenses covered under the plan. Once the maximum is reached, the plan pays 100% for eligible covered expenses for the remainder of the plan year.

Prescription Smart90

Our plans require you to fill your long-term medication with a 90-day supply rather than a 30-day supply. You have the option to fill your 90-day supply through mail order or an in-network retail pharmacy (such as Kroger, Costco, and Walmart). The copay will be the same. For Basic and Enhanced CDHP medical plans, all prescription expenses are subject to the medical deductible with the exception of preventive prescriptions.

Please keep in mind, CVS and Walgreens are out-of-network. If you have questions, call 855-283-7451 or visit express-scripts.com.

The prescription drug plan covers the first two courtesy fills for 30-day supply for maintenance drugs through an in-network or out-of-network pharmacy.