References

Benefits Contact Information

Customer Service: 800.565.9140

www.bcbst.com/members/chattanooga

www.bcbst.com - general information
 

Your Health Plans

The City of Chattanooga offers employees two (2) medical plan options, each with two (2) network options to choose from.

You can elect the PPO plan or the High Deductible Health Plan (HDHP) with HSA. Whichever plan you choose, you will have comprehensive coverage administered by BlueCross BlueShield of Tennessee (BCBST) that allows you to use BCBST's extensive national network of doctors and hospitals.

The primary difference in the plans are the premiums and the out-of-pocket costs for medical services. The High Deductible Health Plan (HDHP) with HSA  has a higher deductible, but you receive monthly account contributions from the City as well as paying lower rates. The PPO plan has higher employee premiums but you have a lower deductible to meet before expenses can be paid.

For both plans, the out-of-pocket maximum amounts include the deductible charges.

Which network option is best or you?

In both the PPO and the HSA plans, you can choose between Network P and Network S. Use this information to decide which network option is best for you.

  • Network P includes all your local BCBST doctors, hospitals and more.
  • Network S excludes Parkridge Hospitals and some physicians, but provides you with a premium discount. Check to see if your doctor and future medical needs are covered in the smaller network.

Remember, you must stay in the network you choose until June 30, 2017.

Tobacco Free Discount

You must update your Tobacco Free Certification using the online enrollment program. If you (and spouse, if applicable), are tobacco free, you will qualify for discounted medical premiums. If you and/or your spoues do use tobacco, you will pay an additional $15 per month for your medical coverage.

If you or your spoues enroll in a tobacco cessation program through the City's WellAdvantage wellness center, you may be able to receive the discounted premium. Contact the WellAdvantage Center for more details.