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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 expertise.

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.

 

 

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Useful links and information:

http://www.tennessee.gov/tenncare

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