BlueCross BlueShield and Cigna

• What happened to the insurance company that used to provide my benefits and why did the insurance carrier change?
• I am enrolled in a PPO medical plan. My dependents and I have visited the doctor many times this year, but I was told by BCBS/Cigna that we haven’t met our annual deductible. How can this be?
• What is the difference between the telemedicine technology program offered by our agency and the State Telehealth Program?
• What network options are offered by the State of Tennessee?
• What happens when I go to a provider outside LocalPlus but within other Cigna networks?
• Is the plan design any different for the Cigna LocalPlus, Cigna Open Access Plus or the BCBS Network S?
• What is the Informed Choice Outreach Program offered by Cigna?
• If I live in the east region, does that mean I can only go to doctors in that region?
• What do I do if I have a question regarding my insurance claims?
• Does everyone have a choice of insurance carriers?
• Do all plan members have the same health insurance choices?