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Tennessee Health Insurance
Health insurance nowadays is available in two broad categories:
individual and group. People who prefer to purchase individual insurance
are mainly self-employed, or are employed by a company that does
not offer a health plan, or who have a family and who want individual
insurance for their family members. When you purchase an individual
plan, you have to pay an annual premium as well as a deductible
for each insured dependent, up to a base amount. If you choose to
buy a group policy instead, you have to pay an annual premium, co-payments
payable at each medical service, and a deductible payable before
insurance begins paying for your valid medical bills.
In Tennessee health and insurance companies can turn down your
application for individual insurance if you have a health problem.
For HIPAA eligible people, however, the individual insurers are
not allowed to turn you down and cannot impose exclusion periods.
In case you have a pre-existing condition, you may meet with an
exclusion period not exceeding two years. Insurers can also place
elimination riders on the policies for the condition. Individual
insurers are not bound to give creditable coverage. Pregnancy can
be treated as a pre-existing condition in Tennessee. Although there
are no limits on the cost of an individual health policy, your insurance
cannot be cancelled because of your illness.
In Tennessee, qualified people cannot be refused group health insurance
or be charged more due to a health problem. A new employer may seek
a waiting period to offer group insurance. Insurers are allowed
to review your medical history for the prior six months before new
group coverage. In case you have a pre-existing condition, the company
can ask for an exclusion period not exceeding one year before coverage
will begin. If you have had unbroken coverage of more than 63 days,
you qualify for credit toward the exclusion period.
In Tennessee, small businesses employing two to 50 employees cannot
be denied small group health coverage due to health problems within
the group, nor can they be cancelled due to health problems of the
group. Curbs exist on the costs of premiums for businesses with
three to 25 employees. Tennessee does not allow self-employed people
to buy group health insurance. For affiliation with a business or
professional association, one may contact the Tennessee Department
of Commerce and Insurance.
State programs like Tenncare and Tennessee Breast and Cervical
Cancer Early Detection Program assist people with low incomes.
As selecting the right quotes is difficult, you should do a proper
research before making a final decision. However, it is better to
appoint professional health insurance agents and brokers who can
be of great help in this regard with their valuable experience and
The leading health insurance providers in Tennessee are American
Medical Security, Assurant Health (formerly Fortis), BlueCross BlueShield
of Tennessee, Celtic, Fairmont Specialty Group, Golden Rule, Humana
and Security Life.