Medical & Prescription

Take care of yourself and your family. FirstFleet offers two Medical Plan options through BlueCross BlueShield of Tennessee to meet your needs and help keep you healthy.
All options include Preventive Services covered at 100% in network. You also have the opportunity to reduce your premium contribution when you take part in our Wellness Incentive program.

High Deductible Health Plan:

An HDHP means you pay a higher up-front deductible AND receive a monthly Health Savings Account (HSA) contribution from FirstFleet to help offset those costs.

PPO Plan:

With this Preferred Provider Organization option, you will save when using in-network services. See the chart for specific deductible and out-of-pocket maximums.

More Benefits to Keep You Healthy


With any Medical Plan coverage option, you automatically receive Teladoc telehealth program services, including urgent care. Teladoc is a convenient, easy and cost-effective way to access a doctor from home, work or while traveling. Teladoc is available 24/7.

You can also get support for mental health, dermatology, neck/back care, nutritional counselling and help to quit smoking.


If you’re not sure if you should go to the ER, or if you need medical advice while at home or on the road, call Nurseline anytime, day or night at 800-818-8581. A registered nurse will help you decide what kind of care you need or help you with your issue. Nurseline is a free service.

Step Therapy for Prescriptions:

To ensure you are getting reasonably priced and effective medications, all Medical Plan options include a step therapy protocol for certain medications your physician prescribes. When applicable, step therapy requires you to use the lowest cost alternative first, or in other cases, receive prior authorization.

Home Delivery or Plus90 Retail Network for Prescriptions:

If you require ongoing “maintenance medications,” you can take advantage of the Home Delivery service or Plus90 Retail Network to receive a 90-day supply of medications for only two times the regular monthly copay.

Hearing Care through HearUSA:

With Medical Plan coverage you automatically receive hearing care coverage. HearUSA provides benefits toward the purchase of a hearing aid for each ear, once every three years.

Special Sleep Apnea Benefit:

Enhanced benefits for sleep apnea are included under the PPO Plan option. Certain non-surgical services and supplies to treat sleep apnea do not require you to first meet the calendar-year deductible. Sleep apnea benefits are covered under the HDHP option but subject to the calendar-year deductible.

Medical and Prescription Plan Options

You have the following two medical plans from which to choose for the 2024 plan year.

Highlights HDHP PPO Plan
Office Visit
Primary Care Physicians




Specialists 80%1 60%1 $60 60%1
Teladoc Varies2 N/A $20 N/A
Calendar Year Deductible per




Family Maximum $6,000 $12,000 $4,700 $9,400
Coinsurance 80% 60% 80% 60%
Out-of-Pocket Maximum per




Family Maximum $12,000 $24,000 $14,000 $28,000
Emergency Services 80%1 80%1 80%1 80%1
Preventive Services 100% 60% 100% 60%
Inpatient Services,
Outpatient Services,
Non-Routine Diagnostic Services
and Most Other Medical Services
80% 60%1 80% 60%1
Therapeutic Services (# of visits limited) 80%1 60%1 80% 60%1
Provider-administered Specialty Drugs 80%1 60%1 $300 copay 60%1
Retail Prescription (up to 30 days)




Preferred Brand 80%1/$35* 60%1 $50 60%1
Non-Preferred Brand 80%1/$70* 60%1 $100 60%1
Home Delivery/Plus90 Network Options Prescription (up to 90 days)




Preferred Brand 80%1/$70* 60%1 $100 60%1
Non-Preferred Brand 80%1/$140 60%1 $200 60%1
Specialty Drug Copay N/A N/A 25%4 N/A
Wellness Discount Without Discount Wellness Discount Without Discount
Weekly Medical Premiums
Employee Only




Employee + Spouse $23.00 $38.00 $117.00 $132.00
Employee + Child(ren) $20.00 $35.00 $101.00 $116.00
Employee + Family $30.00 $45.00 $130.00 $145.00
Monthly HSA Contribution from FirstFleet Only available with HDHP participation
Employee Only

Employee + Spouse $95
Employee + Child(ren) Employee + Family $90
Employee + Family $110
1 After deductible | 2 Covered at 80% coinsurance after deductible; contracted charge/use varies according to service type.
3 No additional copay | 4 Not to exceed $300

NOTE: See the Summary Plan Descriptions for all details, including plan limits, conditions and exclusions.