Page 5 - University of the South-2022-Benefit Guide REVISED 3.30.22 FSA WAIT PERIOD

HEALTH CARE COVERAGE

Eligible employees may choose to participate in the University's health plan,
administered by BlueCross BlueShield of Tennessee. Coverage may be
elected within 30 days of employment or during the annual open enrollment
period (normally in November), in which case the change of coverage is
effective on January 1. The employee pays the employee portion of the
premium through payroll deduction. A detailed description of the plan is
available from the Office of Human Resources.

Your Medical Plan Out-of-pocket maximums

You have two medical plan options: Out-of-pocket maximums apply to all of the plans.
This is the maximum amount you will pay for health
• BlueCross BlueShield of TN Option 1 care costs in a calendar year. Once you have reached
• BlueCross BlueShield of TN Option 2
the out-of-pocket maximum, the plan will fully cover
eligible medical expenses for the rest of the benefits
In-Network/Out-of-Network Coverage plan year (except for any copayments). If you see an
Each medical plan features in-network and out-of- out-of-network provider, you may be responsible for
network coverage; individual and family deductibles; out-of-pocket costs that are considered above the
copays; coinsurance; and out-of-pocket maximums. “reasonable and customary” fees.
Some offer a lower monthly cost, a higher deductible,
and lower coinsurance amounts, while others cost You decide which medical plan will work best for
more each month but offer a lower deductible and you and your family based on the monthly cost of
higher levels of coinsurance. If you don’t understand coverage, the annual deductible and the out-of-
some of these terms, please refer to the Glossary on pocket maximum.
page 24.

You may use in-network or out-of-network providers.
You will always pay less if you see a doctor or receive
services within the provider network because the plan
pays more “in-network.” Chat with BlueCross via Online Chat!
Connect with BCBST form your computer,
Deductible
tablet, or smartphone to ask questions about
You must meet an annual deductible before the your health plan. Sign In to BlueAccess on
medical plan begins to cover a portion of your costs. bcbst.com/member and click the 'Chat with Us'
Once the deductible is met, the medical plan begins to icon to start a conversation.
pay for a percentage of covered expenses (this is
called coinsurance).

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