1. Tennessee requires group health insurers to OFFER alcohol and drug dependency benefits on terms no less favorable than for physical illness. The group policyholder:

May reject the coverage

The insurer must offer the benefits, but the group policyholder may reject them or choose an alternative level of benefits if offered.

2. A school accident policy pays medical benefits for a set number of days after an accident. If a physician certifies in writing that treatment will be needed after that period, Tennessee requires the insurer to pay expenses incurred within:

One year from the date of the accident

For school children's accident policies, timely written notice with a physician's statement extends payment to medical expenses incurred within one year from the accident.

3. Tennessee generally forbids student accident coverage from reducing benefits because the student has other health insurance. The exception applies when:

The school pays 100% of the premium

The non-reduction rule does not apply where the school or institution is the policyholder and pays the full premium with no contribution from students or parents.

4. A Tennessee group health policy may NOT reduce its benefits because the person also has:

An individual policy the insured pays for

Group accident and sickness policies may not exclude or reduce benefits because of blanket or franchise school accident coverage or individually underwritten coverage paid entirely by the insured or family.