The State of Tennessee offers BlueCross BlueShield Network S, Cigna LocalPlus and Cigna Open Access Plus (OAP).
BlueCross BlueShield members have access to Network S providers inside Tennessee as well as BlueCard providers outside Tennessee and BlueCard Worldwide providers outside the U.S. Cigna offers the LocalPlus Network in certain areas nationally. Cigna members can choose either the LocalPlus Network with providers and facilities across Tennessee and some other areas nationally, or the Open Access Plus, a larger state-wide and national network. OAP members will have a choice of more doctors and facilities, but will pay more. The following surcharges will apply:
- $40 more for employees only and employee + child(ren) coverage
- $80 more for employee + spouse and employee + spouse + child(ren) coverage
It is best to contact the carriers directly for more information on specific providers.