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975 East Third Street
Chattanooga, TN 37403
423-778-7000
Children's Hospital at Erlanger Erlanger Baroness Campus Erlanger Bledsoe Campus Erlanger East Campus Erlanger North Campus UT Erlanger Physicians Group





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Health Insurance

Employee Benefits

Payroll Deductions and Discounts  Reimbursement Accounts
Insurance Tuition Reimbursement
PAL/EIB/Holiday Pay/Bereavement  
  Medical Plan Options     Health Document Plan Booklet (EOC)
  Premium Rates
  Premium Rates - Qualifying Events 
  How to Read BCBCS Statement (EOB)

  In-Network Benefit Request Form 

 Tier In-Network Benefit Request Form

   How to Pay Premiums on LOA/FMLA

   How to Find a Physician in your network

 EHS Corporate Write-offs   Adding a Newborn
 Medical/Dental Enrollment/ Termination/Change Form  Blue Cross Website

Erlanger offers a health benefit plan through BlueCross BlueShield of Tennessee (BCBST).  The Health Benefit Plan is a self-insured PPO plan and is administered by BCBST. Although there is only one health benefit plan under group number 89550, the plan has three options:  two options in Network “S” and one option in Network “P”

Eligibility 

To be eligible for the Health Benefit Plan, you must be hired to work a minimum of 19.5 hours per week (0.52 – 1.00 FTE) and be classified as a regular employee.  An employee may elect individual or family coverage. 

Enrollment 

Eligible employees may enroll in individual or family health coverage within 31 days of their hire date; or within 31 days of a qualifying event. Eligible employees may also enroll in the Health Benefit Coverage during any Open Enrollment Period.  

Effective Date of Coverage 

New Hires 
The effective date of the Health Benefit Plan coverage will be the first of the month following the initial one-month waiting period from an employee’s hire date.
 
Qualifying Events
Qualifying events that allow an employee to enroll, terminate or make changes outside of the annual enrollment period are: marriage, divorce, birth/adoption, spouse/dependents losing health coverage through no fault of their own; becoming eligible for Medicare; or transferring from an ineligible position (below 0.52 FTE) to an eligible position (0.52 FTE or above).
 
Birth/Adoption:  Coverage becomes effective the date of the birth 
Marriage:  Coverage becomes effective the date of the marriage
Divorce:   Coverage becomes effective the day after the divorce
Loss of coverage: Coverage becomes effective the day after coverage ends 
Transfer from ineligible: Coverage becomes effective the first of the month following the to eligible position initial one-month waiting period from an employee’s transfer date
 
All qualifying events require completion of the Medical/Dental Enrollment/Change Form and appropriate documentation of the event must accompany the form (i.e. birth certificate, divorce decree, etc.). The form and documentation must be submitted to the Benefits Department within 31 days of the event. If the completed form and documentation are not submitted to the Benefits Department within 31 days from the qualifying event, the next opportunity to enroll, terminate or make changes to the Health Benefit Plan will be during the next open enrollment period.
  
How to Contact BlueCross BlueShield of Tennessee
You may contact BlueCross BlueShield of Tennessee by telephone 1-800-565-9140 or through their website at www.bcbst.com. Please have your health insurance card ready with account information.