The Tennessee Family Council recently targeted the state’s largest health insurance agent. According to this conservative group, Blue Cross Blue Shield of Tennessee "demonstrates cultural recognition of sexual behavior." In an interview, former state senator David Fowler, who now heads the Family Action Council, said he wants people to know that BCBS Tennessee has taken the position of homosexuality. He was referring to Tennessee BCBS, sending a letter to his policyholders, stating that he warmly accepts a “spirit of diversity” that includes gays, lesbians, bisexual and transgender business institutions.
Fowler added that the letter of the Tennessee BCBS is directly related to the House of Bill 600. Although this is contradictory, this bill, which was signed in law during the last legislative session. It contains strict rules prohibiting discrimination against people who are lesbian, gay, bisexual or transgender (LGBT), since state law did not previously prohibit discrimination on the basis of gender and sexual orientation. Since BCBS Tennessee falls according to state law, is there really something to fear?
According to a representative of the Equality Project in Tennessee, Chris Sanders believes that the statement of disagreement that Blue Cross Blue Shield of Tennessee sent to its customers was a good thing. BCN's own press office from Tennessee told the Chattanooga Free Press that this diversity propaganda is not new to non-commercial Tennessee insurance companies that have large-scale federal and state government contracts.
Blue Cross Blue Shield of Tennessee is among the largest insurers of the state.
With more than 2 million insurance policy holders, Blue Cross Blue Shield of Tennessee has been rated Standard & Poor & # 39; s "A +" for the "strong" in terms of the company's financial stability. As you may know, Standard & Poor & # 39; s is an independent organization that investigates and assesses insurance companies based on whether they have the capital to cover insurance policies. medical claims.
The insurer offers HMO and PPO plans that include many of the most respected doctors and hospitals. Access to a network of health care providers under a PPO can mean significant discounts in personal expenses until the plan’s franchise is satisfied and the insurer begins to pay for medical claims. Network providers charge lower rates to insurance holders for BCBS Tennessee contracts.
Even the costs of visiting doctors and hospitals outside the plan are partly covered by BCBS in Tennessee. But because of the pocket expenses of switching to non-network providers, we apply to a separate and higher political maximum of politics. This is a fancy way of saying a limit on what you could spend on health care for one year as part of the BCBS policy in Tennessee.
Tennessee BCBS network providers are located in metropolitan areas
Since the network of providers was mainly built around large metropolitan areas, policyholders in rural areas may have to travel to find on-line medical services. Traveling can be difficult when they are sick or injured, so you need to check the provider’s network before applying for a policy.
If the location of providers works for you, PPO plans are popular because they do not require you to choose a “primary care doctor” who is fully responsible for referral to specialists. Without this referral there is no coverage to see a specialist or get a second opinion. This is how HMO plans work, but HMOs have certain advantages.
For example, HMO plans also have low prices for medical services, and plans include low franchises. They also usually offer access to dental care providers and simplify the application process. Instead of full forms, members can use cards similar to credit and debit cards to process medical services at the doctor’s office or hospital.
