What BlueCross BlueShield of Tennessee MAPD offers
BCBSTN’s Medicare Advantage BlueAdvantage PPO plans are available statewide in Tennessee and select North Georgia counties. Core features include $0 premium options, $0 PCP copays, $0 medical deductibles, $0 copays for preferred generics, plus embedded dental, vision, and hearing. Members can see a wide choice of providers with no referrals. Chronic condition SNPs (Total Heart & Diabetes and Total Heart & Diabetes Plus) add targeted benefits like OTC and healthy food allowances, transportation, $0 CGM, and routine dental/vision/hearing. Availability and specifics vary by ZIP.
BCBSTN also offers D‑SNP (BlueCare Plus Tennessee HMO) for dual‑eligible members, with $0 premiums/deductibles, OTC/healthy food monthly allowances, Uber Health rides to approved locations, and dental/vision (some plans include dental) plus routine chiropractic visits.
Why this benefits insurance agents
BCBSTN provides recognizable plans and infrastructure that make selling and servicing easier.
- The BlueAdvantage PPO value story—$0 PCP, $0 deductibles, embedded supplemental benefits—creates clear talking points and competitive differentiation across Tennessee. Tools to shop by ZIP, find doctors, and check drugs streamline pre‑sale fit.
- Product breadth supports multiple segments (standard PPO MAPD, C‑SNPs for diabetes/heart, D‑SNP for duals), helping agents serve diverse needs and expand SEP opportunities throughout the year.
- Broker resources include annual training & certification for BlueAdvantage/BlueChoice, with online training covering Medicare rules and product details, plus phone/email support from the Medicare Broker Certification team.
Why this benefits customers
Members get comprehensive coverage and convenience under one card.
- All‑in‑one MAPD: medical + prescriptions with $0 options on key services lowers out‑of‑pocket risk versus Original Medicare alone, and supplemental dental/vision/hearing improve everyday care access.
- Access and simplicity: PPO design with no referrals and broad networks, plus member tools to find providers, check drugs, and access plan materials.
- Condition‑focused extras: C‑SNP benefits like OTC/healthy food allowances, transportation, and $0 CGM support chronic disease management and adherence.
- Dual‑eligible support: D‑SNP features including Uber Health rides and allowances help address social needs and barriers to care.
Key considerations
- Plans, premiums, copays, and allowances vary by county/ZIP and change annually; use BCBSTN’s ZIP search and plan documents (Summary of Benefits, EOC, Drug List) for 2026 details published each AEP.
- Enrollment windows: AEP Oct 15–Dec 7; MA OEP Jan 1–Mar 31; special enrollments for qualifying life events. Align sales timelines accordingly.
- Agents must complete annual certification to market and be paid on BlueAdvantage/BlueChoice products; support is available via Broker Certification.
Explore BCBSTN Medicare Advantage
- Shop plans and features: Medicare Plan Options | BCBS of Tennessee ↗.
- Search by ZIP, find doctors, drugs, and 2026 materials: Medicare Health Insurance Plans | BCBS of Tennessee ↗.