How can an employee determine the cost of a service in order to compare expected coinsurance amounts to copays?

The carriers have tools on their websites for members to search for some procedures and costs. To see the cost of past services you’ve received members can view their explanation of benefits (EOB) by logging into their account with either BCBST http://www.bcbst.com/members/tn_state/index.page or

Cigna http://www.cigna.com/sites/stateoftn/index.html?redir=/stateoftn

The EOB will show what your provider charged for the service and what insurance agreed to pay the provider (allowed amount).  Coinsurance is calculated based on the allowed amount (after deductible if applicable). You can also call the BCBST or Cigna customer service departments for help.

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