To be eligible for coverage, you must first meet these criteria:

• Must be a Tennessee resident.
• Must be a U.S. citizen, or maintain a student visa, work visa and/or valid green card.
• Cannot be covered under any other individual or group health plan at the time of enrollment.

You have a choice when your coverage becomes effective based on the following selections provided on the application:

• First day of the month following application approval.
• The day after your application is approved.
• A specific date you indicate on the application. This date cannot be changed once the policy is approved. If the requested date is prior to our receipt date, it will be changed to the day after receipt. In addition, you will be responsible for all premiums from this effective date.

If you choose the first day of the month or the day following application approval, you may request to have your effective date moved forward, a maximum of 45 days, one time with proof of other insurance coverage. This information must be received during the 10-day free look period of the policy. Effective date changes will not be accepted for any of the other options.

Your first month's premium is due with your completed application. BlueCross BlueShield of Tennessee can cancel your coverage back to the effective date if the check received does not clear the bank or your credit card payment is declined.