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People who were deemed uninsurable due to pre-existing health conditions were still eligible to enroll. [7] In 1996, the state separated behavioral health services from the basic managed-care program, contracting with a separate set of behavioral health organizations for mental health and substance abuse services to TennCare participants. [7] [8]
By empowering employees to choose their own individual health insurance plans, ICHRAs can enhance employee satisfaction, improve retention rates, and contribute to a more positive work environment.
BlueCross BlueShield of Tennessee is the largest health benefit plan company in Tennessee. It is an independent, not-for-profit organization governed by its own board of directors . The organization is part of a nationwide association of health care plans licensed by the Blue Cross and Blue Shield Association .
All private health insurance plans offered in the Marketplace must offer the following essential health benefits: ambulatory care, emergency services, hospitalization (such as surgery), maternity and newborn care, mental health and substance abuse services, prescription drugs, rehabilitative and habilitative services (services to help people ...
Blue Cross and Blue Shield insurance companies are licensees, independent of the association and traditionally of each other, [16] offering insurance plans within defined regions under one or both of the association's brands. Blue Cross Blue Shield insurers offer some form of health insurance coverage in every U.S. state.
[2] [4] Individual policyholders are also more likely to report being in excellent health than are people covered by employer-sponsored health insurance, which may be a contributing factor. [11] Premiums in the individual market rose less rapidly over the period 2002-2005 than did out-of-pocket premiums in the employer-sponsored market (17.8% ...
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