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BlueCross BlueShield of Tennessee

With an emphasis on the health and well being of their plan members, BlueCross Blue Shield of Tennessee insures 3 million individuals and continues to serve with excellent quality. BCBST is an independent, nonprofit, locally governed health insurance provider, which gives them a competitive edge through involvement with the community and understanding the needs of Tennesseans. In addition, they have been in business since 1945, and are the oldest nonprofit health insurer in the state. As they are an independent licensee of the BlueCross Blue Shield Association, BlueCross BlueShield of Tennessee gives members access to a large number of providers throughout the country and the world.

Over the years and presently, BlueCross Blue Shield of Tennessee has earned multiple awards and accreditations to reinforce the high quality of their services. From 2011-2012, these include the InformationWeek 500 for innovative business technology methods, and an Excellent rating for their commercial PPO products and Volunteer State Health Plans from the National Committee for Quality Assurance (NCQA). The company is accredited by NCQA and URAC, and conducts business with environmental responsibility at their Gold LEED-certified headquarters in Chattanooga.



BlueCross BlueShield of Tennessee Individual Plans


Traditional PPO Plans

PersonalBlue plans provide individuals and families in Tennessee with physician services and prescriptions for a convenient, predictable copay, accessible as soon as your coverage starts. These plans also cover a range of more in-depth medical services such as diagnostic work, hospital care, therapy, and medical transportation. With many deductibles and coinsurance options, PersonalBlue is designed to fit various needs and budgets. These plans also give you the option of two different provider networks, BlueNetwork P or BlueNetwork S, for lower rates on your health care.

BCBST PPO 1000 Plan Benefits

BCBST PPO 1500 Plan Benefits

BCBST PPO 2500 Plan Benefits

BCBST PPO 3500 Plan Benefits

BCBST PPO 5000 Plan Benefits

BCBST PPO 7500 Plan Benefits


High Deductible Health Plans

Qualified for use with a Health Saving Account (HSA), these plans offer a lower monthly premium with coverage on all physician and hospital services after you reach the deductible. Use your in-network providers for access to discounted rates on care before deductible, and pay either 20 percent coinsurance or nothing after it has been reached. Preventive health care is covered in full and not subject to the deductible, therefore plan members can receive screenings, immunizations, and other services at any time.

BCBST High Deductible/HSA Benefits


Compare BlueCross BlueShield of Tennessee plans and premiums by receiving a personalized health insurance quote. Our agents are also standing by to answer your questions and offer insight at 888 803 5917.