Shopping Guide. Finding a New Plan. bcbst.com

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1 Shopping Guide Finding a New Plan bcbst.com

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3 It s time to choose a new health plan. - FPO We know picking a new health plan is not easy. The good news is, you don t have to shop alone you can use your broker, or, if you don t have one, we are here to help you shop smart and choose the right plan for you.

4 You could qualify for financial assistance Depending on your family size and annual income, you could get help with paying for your monthly premium or other health care costs through the Marketplace. Check out the chart below to see if you might qualify. Learn more at bcbst.com/financialassistance. Qualifications for 2016 premium tax credit Family size Income Range Individual $11,770 $47,080 1 Family of 2 $15,930 $63,720 1 Family of 3 $20,090 $80,360 1 Family of 4 $24,250 $97,000 1 Family of 5 $28,410 $113,640 1 Family of 6 $32,570 $130, Figures based on 2015 Poverty Guidelines

5 Where to Shop We would love to meet with you 1-on-1 to find the plan that best fits your life. Speak with your agent or broker SM Visit our Blue of Tennessee Nashville at 100 Oaks Mall center in Find out when our Mobile Center will be near you. bcbst.com/mobile-center Or shop online at bcbst.com. If you are a current member and you re unable to renew your plan for 2016, call your broker. If you don t have one, we can help. Visit bcbst.com/shopnewplans.

6 Picking a New Plan in Three Steps 1Compare Coverage and Costs Health care costs are more than just your monthly premium payment. Consider ALL of the costs and your budget. Ë What is the most you can spend up front (deductible * ) before your health plan pays its share of costs? Ë What percentage do you want to pay each time you get care and services (coinsurance)? Ë What is the most you can pay for medical expenses in a year (out-of-pocket maximum)? Think about benefits beyond health care services. With BlueCross, you get: Ë HealthCare Cost Estimator that helps predict cost of procedures using your plan details Ë 24/7 Nurseline advice Ë Member discounts on things like eyewear, massage therapy, dietary supplements, acupuncture and chiropractic care Ë Coverage when you travel out of state Ë Self-directed lifestyle coaching * Deductibles for family coverage are twice the deductible listed for individual coverage regardless of family size.

7 2Compare Provider Networks The right provider network can save you money. BlueCross has three to choose from: Ë Blue Network E SM Our essential network, offering a smaller variety of providers; Chattanooga, Knoxville, Memphis and Nashville regions only Ë Blue Network S SM Our standard network, offering a select variety of providers statewide Ë Blue Network P SM Our premier network, including most doctors and hospitals statewide Ë Use the Find a Doctor tool on bcbst.com or our MyBlue TN SM mobile app. Understand how your network choice saves you money. Ë Ë Larger networks have more choices and cost more. Smaller networks cost less. You pay much more if you get care outside your network. 3Compare Prescription Drug Coverage Ë Ë Make a list of the prescription drugs you and your family take. Check the Essential Formulary on bcbst.com to see if they are covered.

8 A few of our plan options for 2016 You can compare and shop all of our plans on bcbst.com. Plan Name Individual Deductible Out-of-Pocket Maximum Coinsurance After Deductible Bronze B01 $3,000 $6,850 50% Bronze B02 $4,000 $6,350 50% Bronze B04 $6,000 $6, % Bronze B05 $6,250 $6, % Bronze B06 $6,350 $6, % Bronze B07 $5,200 $6,400 50% Silver S01 $0 $6,350 50% Silver S02 $1,000 $6,250 50% Silver S04 $2,000 $4,000 50% Silver S05 $2,500 $6,850 50% Silver S08 $2,000 $5,000 80% Silver S09 $2,500 $4,500 80% Silver S10 $2,500 $5,500 80% Silver S11 $2,500 $5,500 80% Silver S12 $4,000 $5,500 80% Silver S13 $4,000 $5,500 80% Silver S14 $5,500 $6,350 80% Silver S15 $5,500 $6,350 80% Silver S16 $3,500 $3, % Silver S18 $6,350 $6, % Silver S19 $3,000 $4,250 90% Gold G01 $0 $5,250 65% Gold G05 $1,500 $4,500 80% Gold G06 $1,500 $4,500 80% Gold G07 $2,000 $6,350 80% Gold G08 $2,100 $2, % Gold G10 $3,500 $3, % Gold G11 $3,500 $3, % Platinum P01 $0 $1,800 50% Platinum P02 $0 $1,500 75% Platinum P03 $0 $3,000 75% Platinum P04 $1,500 $1, % Not all options are available on HealthCare.gov.

9 Plans are organized by metal Bronze, Silver, Gold and Platinum to give you an idea of the levels of coverage. All plans cover the same types of care and services and can be paired with one of our provider networks. Office Visit Copay (PCP or Specialist) Pharmacy Deductible/Coinsurance $3/$75/$250 Deductible/Coinsurance $3/50% $40/$70 $3/50% Deductible/Coinsurance $8/$35/$60 Deductible/Coinsurance $8/$35/$60 $10 Deductible/Coinsurance $10 $3/$100/$250 $10/$40 $3/$50/$100 $35/$50 $3/$35/$75 $35/$50 $3/$50/$100 $35/$50 $8/$35/$60 $35/$50 $8/$35/$60 $10 $3/$25/$50 $35/$50 50% $35/$50 $8/$35/$60 $20/$40 $3/$25/$50 Deductible/Coinsurance Deductible/Coinsurance $10/$40 $3/$25/$50 $10 $3/$25/$50 HSA Compatible

10 Shopping on the Marketplace Before You Shop You will need the following information to shop and apply for health coverage on the Marketplace: c An active account c Mailing addresses for everyone you want to cover c Social Security numbers or document information for legal residents c Income documents such as pay stubs or W-2 forms c Your best estimate of your 2016 household income c Policy numbers for any current health insurance plans c A completed Employer Coverage Tool for every plan that someone in your household could get through their job (available at HealthCare.gov) Download a checklist of these documents at bcbst.com/shopnewplans. For your records My doctors: My prescriptions:

11 Your Marketplace Information Keep this cheat sheet to help you remember your account and plan details. Be careful never to share this personal information with others unless they are your personal representative. Username: Password: Security question answers: Application ID#: I am eligible for (check all that apply): c Advanced Premium Tax Credit Amount: c Cost Sharing Reductions Amount: Plan name: Monthly premium: Deductible: Out-of-pocket maximum: Copay or coinsurance: Policy effective date:

12 Whether you need to find a new plan that works better or make your current one work better for you, we ll help you sort out the details. Contact your broker Call: Online: bcbst.com SM Visit: Blue of Tennessee in Nashville at 100 Oaks Mall Our Mobile Center should be visiting your area soon. Find out when at bcbst.com/mobile-center 1 Cameron Hill Circle Chattanooga, TN bcbst.com For TDD/TTY help call Spanish: Para obtener ayuda en español, llame al Tagalog: Kung kailangan ninyo ang tulong sa Tagalog tumawag sa Chinese: 如果需要中文的帮助, 请拨打这个号码 Navajo: Dinek ehgo shika at ohwol ninisingo, kwiijigo holne BlueCross does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation, or health status in the administration of the plan, including enrollment and benefit determinations. BlueCross BlueShield of Tennessee, Inc., an Independent Licensee of the BlueCross BlueShield Association. BlueCross BlueShield of Tennessee is a Qualified Health Plan issuer in the Health Insurance Marketplace COMM-747 (9/15) Plan Options Brochure