BCBS of TN Coverage

Good news: BCBS of TN covers quite a lot. Coverage for mental health services is included in most types of BCBS policies. Of course, details about coverage for mental health treatment under BlueCross BlueShield of Tennessee can depend on the plan. That means information about coverage, deductibles, copayments, and network providers varies.

That said, you should always review the exact plan you have to double-check what’s covered and what isn’t. In general, you can expect BCBS of TN mental health coverage to include key resources such as:

Outpatient Services: This may include individual therapy, group therapy, and psychiatric evaluations conducted outside of residential or hospital-based programs. You may still have to cover a copayment or coinsurance for each session.

Inpatient Services: When hospitalization is necessary due to severe mental health issues, insurance may cover stays in mental health facilities, room and board, medical and psychiatric treatment, and more.

Medications: Prescription medications are often covered under mental health benefits, though you’ll likely still need to manage a copayment.

BCBS of Tennessee offers three tiers for most insurance plans. The coverage percentages associated with each tier generally apply to mental health services.

Gold – This tier features lower monthly payments and out-of-pocket costs but requires a higher deductible to be paid before coverage applies. With this type of plan, BCBS of TN pays for around 80% of covered expenses.

Silver – An ideal middle ground for those who want affordability in the moment and over time, silver plans come with moderate fees all around. BCBS of TN covers about 70% of approved expenses.

Bronze – These plans come with the lowest monthly rates but the highest deductibles and out-of-pocket costs. Coverage for services is also lowest at this tier, with BCBS of TN covering around 60% of treatment expenses.

Be sure to review your insurance plan to determine how much you can expect to pay for your mental health treatment. When in doubt, it never hurts to contact BCBS of TN directly to ask questions and learn how you can manage treatment costs. This is especially true because some plans may require pre-authorization to cover certain services.

At Sanctuary Mental Health and Wellness, we strive to offer the most comprehensive services we can. We’re here to support clients from all walks of life and are equipped to treat common mental health conditions such as:

We know that mental illnesses can evolve and change. That’s why we’re here with you through every step of healing and recovery. The more you can engage with treatment that makes you feel seen, the more likely you are to find solutions that help you thrive. We Count on Proven Treatments You Can Trust. Sanctuary Mental Health and Wellness relies on evidence-based treatment methods that insurance companies like BCBS of TN approve of. You can rest assured that we hold ourselves to the highest standards possible when it comes to developing our programming.

We utilize industry-leading methods that we know make a genuine difference, including:

Our center doesn’t focus on changing you or those vital aspects of yourself. Instead, we offer a supportive environment where clients can develop healthy coping mechanisms and life skills. Sometimes, being happy and well-balanced is just that: a skill. It takes practice and patience to see changes that last a lifetime.