Frequently Asked Questions

• How can I apply for TRH coverage?
• Why do I have to pay Tennessee Farm Bureau dues?
• How does my prescription drug coverage work?
• What is the difference between a rider and a pre-existing waiting period?
• How do I request a review of a rated policy, ridered condition or exclusion?
• How do I file a claim?
• How do I order a duplicate identification card?
• How do I order a new Evidence of Coverage (EOC) book?
• How do I meet my deductible per calendar year?
• How do I appeal a denied claim?
• How do I change my bank information?
• How do I cancel my coverage?
• Will I receive a refund if I cancel my coverage?
• Why do I have a pre-existing waiting period?
• How long can I keep TRH coverage for dependent children?
• How can children retain their TRH coverage once they
  become of age?
• Where can I access a provider directory?

 

How can I apply for TRH coverage?

You can apply for coverage by visiting your local Farm Bureau office or by calling toll-free 1-877-874-8323. Click here for an instant rate quote. You may also download an application at www.trh.com.
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Why do I have to pay Tennessee Farm Bureau dues?

TRH is a service company of the Tennessee Farm Bureau, a membership organization. In order to receive services such as the health coverage available through TRH, you must be a member of the Tennessee Farm Bureau. The $25 dues are paid annually and membership provides access to qualify for services the Farm Bureau service companies offer, including health, auto, property, boat, and personal liability coverage. In addition, you can receive discounts on a variety of services for being a Tennessee Farm Bureau Member. Please check with your local office for a more detailed explanation of all the other services available with your Farm Bureau membership.
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How does my prescription drug coverage work?

In order to receive maximum benefits, you must use a participating pharmacy or take advantage of our Prescription Home Delivery service. When you use a participating pharmacy, show your TRH ID card and pay the negotiated discounted price in full. Then file your prescription drug claim using the prescription drug claim form. After your deductible is met, we will pay you 80 percent of the negotiated price. How often you file prescription drug claims is up to you - you may file monthly or quarterly, whichever is most convenient. You have until the end of the calendar year following the year in which prescription drugs were purchased to submit a claim.
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How do I file a claim?

The only claims you need to file are for reimbursement of your prescription drug purchases and out-of-network claims. For prescription drug purchases, attach your receipts or a print-out of prescription drugs purchased, available from your pharmacy, to the prescription drug claim form. The printout or receipt must include the name, cost, quantity and number of days supplied along with the National Drug Classification (NDC) code. A print out must be signed by your pharmacist. Mail the claim form and printout or receipt to the address on the form and we will process your benefits. You do not need to file anything for medical claims. As long as you are using doctors and hospitals in the approved network, they will file your medical claims for you. To file a claim for out-of-network services, you should request a claim form from the provider, and along with your TRH ID number and group number, mail to BlueCross BlueShield of Tennessee, 1 Cameron Hill Circle, Ste. 0002, Chattanooga, TN 37402-0002. The claim form from the provider must include patient name, ID and group numbers, treatment date, diagnosis, and information if applicable on other health coverage.
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What is the difference between a rider and a pre-existing condition waiting period?

A rider means a member cannot receive benefits for a specific illness or condition for the lifetime of the policy. A pre-existing waiting period means a member cannot receive benefits during the first 12 months of coverage for any condition where symptoms existed prior to the effective date of coverage.
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How do I request a review of a rated policy, ridered condition or exclusion?

Contact your TRH Representative at your local Farm Bureau office to help you through the process. The TRH Representative will request the appropriate paperwork and keep you informed during the process. Current medical information may be required in order for us to make a decision regarding your inquiry. You can also contact us toll-free at 1-877-874-8323 or use our contact us form.
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How do I order a duplicate identification card?

Contact your local Farm Bureau office and the TRH Representative will be glad to order a new ID card for you. You should receive your new card in the mail within seven to 10 mailing days after it is ordered. You may also contact us toll-free at 1-877-874-8323 or use our contact us form.
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How do I order a new Evidence of Coverage (EOC) book?

Contact your local Farm Bureau office and the TRH Representative will be happy to order a new EOC book for you. This is the book which contains all the terms and conditions of your health care coverage. You should receive your new book within seven to 10 mailing days. You can also contact us toll-free at 1-877-874-8323 or use our contact us form.
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How do I meet my deductible per calendar year?

You meet your deductible with eligible hospital services, prescription drugs and other services, such as lab work or X-rays. On the co-pay plans, your co-pay is a first dollar benefit and the co-pay amount does not apply to your deductible or out-of-pocket maximums. Non-covered expenses also do not apply to the deductible.
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How do I appeal a denied claim?

Call BlueCross BlueShield of Tennessee at 1-800-494-3384 and ask for a reconsideration. You will need to have your ID number available along with the claim number in question or date of service. The provider can also submit an appeal for you. The appeal must be submitted within 60 days of the denial of the claim.
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How do I change my bank information?

You may request a Bank Draft Authorization Form from your local Farm Bureau office or by calling our toll-free number at 1-877-874-8323. You may also click here to download the form. The form must be completed, signed, and a voided check must be attached. For savings accounts, you must take the form to your financial institution for completion of the bank routing and account numbers. No deposit slips will be accepted. This form must be received by the 25th of the month to be effective on the following 1st of the month. 
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How do I cancel my coverage?

You, as a subscriber, may cancel your coverage for any reason by giving 10 days written notice to TRH. You may request a Cancellation Form from your local Farm Bureau office or by calling our toll-free number at 1-877-874-8323. This form must be completed, signed and dated. This form must be received by the 25th of the month in order to terminate coverage on the 1st of the following month.
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Will I receive a refund if I cancel my coverage?

Monthly billed health and dental customers are not entitled to a refund except in the case of death when there are no dependents covered. Quarterly billed customers whose premium has been paid and who wish to cancel their coverage are entitled to a refund provided their Cancellation Form is received by the 25th of the month. Refund will be calculated from the following 1st of the month to the paid-to date. Refunds will also be issued upon the death of the contract holder when no dependents are covered. Please notify TRH if eligibility changes for any covered individuals.
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Why do I have a pre-existing waiting period?

A pre-existing waiting period protects existing members' premiums. A pre-existing waiting period means a member cannot receive benefits during the first 12 months of coverage for any symptom or condition that existed prior to the effective date of coverage. Because the cost of individual coverage is based on use of benefits by the entire membership, pre-existing waiting periods help TRH provide coverage at a significantly lower cost than if pre-existing waiting periods were not in place. If pre-existing waiting periods were not in place, people could wait until they became ill to get health care protection, driving health care costs to an unaffordable level for everyone.
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How long can I keep TRH coverage for dependent children?

You can keep coverage for your dependent children up to age 18 if they are in school, unmarried and are not self-supporting; and up to age 24 if they are a full-time student not self-supporting and unmarried.
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How can children retain their TRH coverage once they become of age?

Once they become ineligible as a dependent on their parents' coverage or for Children's Coverage, they have 60 days to transfer to their own individual coverage. They can transfer to TRH individual coverage when they become ineligible without any further medical or health review, even if they have developed an illness or medical condition while enrolled in the previous plan.
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Where can I access a provider directory?

TRH member claims are administered by BlueCross BlueShield of Tennessee, giving members access to a large network of providers. Blue Network P is the network  used for TRH Premier, HDHP, Short Term and Children’s coverages. Dental Blue Preferred Network is the network is used for the TRH Dental Care Coverage. RX03 is the network used for prescription drug benefits. Click here to access these networks.

 

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