Page 4 - Acadia 2021 Benefits Guide Tower
P. 4
Health Care Coverage
You have four plan options through BlueCross BlueShield of TN: Virtual Visits with BCBST
BCBST medical plans now offer coverage for virtual visits with
1) Buy Up PPO Plan participating providers including your primary care physician,
This plan offers a lower deductible, copay and out-of-pocket specialists, and behavioral health providers.
maximum. The semi-monthly premium that you pay for this The same copays, deductibles, and coinsurance will apply as a
plan will be at a higher rate. face-to-face visit with your doctor. To access this service, simply
call your provider and see if they are allowing virtual visits, then
2) Base PPO Plan book your appointment.
This plan offers a higher deductible, copay and out-of-pocket
maximum. The semi-monthly premium that you pay for this Healthy Maternity Program
plan will be at a lower rate. The Healthy Maternity program connects mothers-to-be
with personalized health advice and emotional support from
3) High Deductible Health Plan (HDHP) experienced maternity nurses. They can help ind complications
This plan provides coverage under the BCBS PPO network after early, set up doctor and specialist visits, offer breastfeeding
a deductible, coinsurance and other out-of-pocket expenses support by connecting you with a lactation counselor, help
are met. The HDHP has a higher deductible than other types you make healthy lifestyle choices, and even provide additional
of health plans, which equates to a lower premium rate. You support to high risk mothers. If you enroll within the irst 20
will pay 100 percent of the cost of prescriptions, doctor visits, weeks of your pregnancy and intend to breast feed, you may be
eligible to receive a free electric breast pump. Beneits include
emergency room visits as well as the cost of surgeries and out- the following:
patient procedures until you reach your deductible.
• One-on-one support from a maternity nurse
4) Exclusive Provider Organization (EPO) • Weekly emails for each stage of pregnancy and online
An EPO plan works similar to a PPO plan. The main difference pregnancy resources
is that all care must be received from an in-network provider. • Emotional support during and after your pregnancy
Services outside the network are not covered. The annual
deductible amount is lower so you reach cost sharing • Help from a high-risk maternity nurse or a -certiied lactation
(coinsurance) sooner. counselor if you need it
• Support from a neonatal nurse care manager if your baby
PhysicianNow Services is in the NICU
PhysicianNow services are available with any BCBST medical
option selected. PhysicianNow (Telehealth) is not intended to Enrolling is easy. Log in or register at www.bcbst.com/
myhealthymaternity, or call (800) 818-8581, Monday through
replace your primary care physician (PCP) for treating common or Friday, 8 a.m. to 7 p.m. ET.
chronic conditions. However, a virtual doctor’s consultation can be
an acceptable alternative for visiting the doctor’s ofice or urgent
care center for non-emergency situations (for example: allergies,
fever, sinus infections, respiratory issues, sore throat, rashes). I had the best maternity experience thanks to my Acadia
• You must register before using services. beneits. I recently signed up for the Healthy Maternity
• You can register by logging into your BlueAccess account at Program and was so impressed when my assigned
bcbst.com/member and clicking “Talk with a Doctor Now.” nurse came prepared to our irst call with such in-depth
knowledge of my medical history. She signed me up for their
• You can also call (888) 283-6691 or download the PhysicianNow weekly informational emails, and then gave me her phone
mobile app. number and let me know I can call with questions anytime
Monday through Friday. As a new mom, knowing I have
an expert I can reach out to is so reassuring—especially
knowing she’ll be there for me post-birth for postpartum
support if needed.
—Acadia Employee
4 | Tower Behavioral Health
You have four plan options through BlueCross BlueShield of TN: Virtual Visits with BCBST
BCBST medical plans now offer coverage for virtual visits with
1) Buy Up PPO Plan participating providers including your primary care physician,
This plan offers a lower deductible, copay and out-of-pocket specialists, and behavioral health providers.
maximum. The semi-monthly premium that you pay for this The same copays, deductibles, and coinsurance will apply as a
plan will be at a higher rate. face-to-face visit with your doctor. To access this service, simply
call your provider and see if they are allowing virtual visits, then
2) Base PPO Plan book your appointment.
This plan offers a higher deductible, copay and out-of-pocket
maximum. The semi-monthly premium that you pay for this Healthy Maternity Program
plan will be at a lower rate. The Healthy Maternity program connects mothers-to-be
with personalized health advice and emotional support from
3) High Deductible Health Plan (HDHP) experienced maternity nurses. They can help ind complications
This plan provides coverage under the BCBS PPO network after early, set up doctor and specialist visits, offer breastfeeding
a deductible, coinsurance and other out-of-pocket expenses support by connecting you with a lactation counselor, help
are met. The HDHP has a higher deductible than other types you make healthy lifestyle choices, and even provide additional
of health plans, which equates to a lower premium rate. You support to high risk mothers. If you enroll within the irst 20
will pay 100 percent of the cost of prescriptions, doctor visits, weeks of your pregnancy and intend to breast feed, you may be
eligible to receive a free electric breast pump. Beneits include
emergency room visits as well as the cost of surgeries and out- the following:
patient procedures until you reach your deductible.
• One-on-one support from a maternity nurse
4) Exclusive Provider Organization (EPO) • Weekly emails for each stage of pregnancy and online
An EPO plan works similar to a PPO plan. The main difference pregnancy resources
is that all care must be received from an in-network provider. • Emotional support during and after your pregnancy
Services outside the network are not covered. The annual
deductible amount is lower so you reach cost sharing • Help from a high-risk maternity nurse or a -certiied lactation
(coinsurance) sooner. counselor if you need it
• Support from a neonatal nurse care manager if your baby
PhysicianNow Services is in the NICU
PhysicianNow services are available with any BCBST medical
option selected. PhysicianNow (Telehealth) is not intended to Enrolling is easy. Log in or register at www.bcbst.com/
myhealthymaternity, or call (800) 818-8581, Monday through
replace your primary care physician (PCP) for treating common or Friday, 8 a.m. to 7 p.m. ET.
chronic conditions. However, a virtual doctor’s consultation can be
an acceptable alternative for visiting the doctor’s ofice or urgent
care center for non-emergency situations (for example: allergies,
fever, sinus infections, respiratory issues, sore throat, rashes). I had the best maternity experience thanks to my Acadia
• You must register before using services. beneits. I recently signed up for the Healthy Maternity
• You can register by logging into your BlueAccess account at Program and was so impressed when my assigned
bcbst.com/member and clicking “Talk with a Doctor Now.” nurse came prepared to our irst call with such in-depth
knowledge of my medical history. She signed me up for their
• You can also call (888) 283-6691 or download the PhysicianNow weekly informational emails, and then gave me her phone
mobile app. number and let me know I can call with questions anytime
Monday through Friday. As a new mom, knowing I have
an expert I can reach out to is so reassuring—especially
knowing she’ll be there for me post-birth for postpartum
support if needed.
—Acadia Employee
4 | Tower Behavioral Health
