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 Health Insurance in Tennessee
Health Insurance in Tennessee

Tennessee health insurance

Health insurance plans are an essential part of preparing for the future. If you are a resident of Tennessee, go through the information we have here for you. After going through this page, you will come to know about the various options you have in health insurance- from private health plans to health plans sponsored by the federal and state governments.

Individual health insurance in Tennessee

When you are looking for an individual health insurance plan in Tennessee, you will be subject to a process of medical underwriting. This basically implies that the insurance carriers will review your health status in the months preceding your application and decide whether they will provide you with insurance based on that.

If you are looking for individual health insurance plans, prepare to shell out more for it than you would have for group insurance plans. Since there is no concept of an employer contribution, individual and family plans tend to cost more than group health insurance plans. You will also need to consider aspects like co payments, deductibles and coinsurance before you decide on the right plan for yourself. Also look into the benefits provided by the different plans. It would be useless for you to buy cover and then find out you are cannot use it when you need it the most! Based on all these factors, you may go for PPO, HMO and POS type of plans.

Tennessee also provides the TennCare program to medically uninsurable people who have HIPAA eligibilities.

Group health insurance provisions in Tennessee

As in individual health insurance, medical underwriting is allowed in the state of Tennessee. Depending on the review of the carrier, a look back period of 6 months and an exclusionary period of 12 months may be imposed by the company. The benefits provided by the carriers vary according to the plan that is being offered. Group insurance is always better for you because you get better benefits at lesser costs with these plans. If you are unable to secure a health insurance plan through your employer, try to go for one that is provided by an association or professional group you are a part of.

Coverage under COBRA

Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 are applicable in the state of Tennessee. According to this law, a company employing more than 20 people has to continue covers for an employee who, for some reason, is no longer employed with the company. The covers are to be extended to his family also.

Tennessee Medicaid plans

Medicaid plans are also offered in the state of Tennessee. Under this government sponsored program, health plans are offered to people having low incomes, women who are pregnant, disabled people and residents of nursing homes. Some members receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.

Other plans

Tennessee also offers the TennCare CHIP Health Insurance Program. Under this program, health insurance is provided to children below the age of 19. However, they need to fulfill certain income criteria before they receive assistance. They must also be residents of Tennessee and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.

Easy Quotes from the Top Tennessee Health Insurance Carriers

Our service is the most convenient way for you to secure the most suitable Tennessee health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.

An easy, fast and free way to find Tennessee Health Insurance

Our process is very convenient. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. Once your form is completed, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.

Health Insurance in Tennessee


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