Tennessee Health Insurance
Health Insurance Overview
Tennessee residents have many options for health care coverage. There are numerous Tennessee insurance providers to choose from, along with a variety of Tennessee medical insurance plans designed to meet the specific needs of individuals, families and groups.
Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Tennessee health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Tennessee medical insurance from the best Tennessee insurance providers around.
Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Tennessee health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Tennessee health insurance programs, and even details on some of the top Tennessee insurance providers.
To compare specific Tennessee medical insurance plans offered by the various Tennessee insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Tennessee health insurance needs.
At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Tennessee health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Tennessee?Find your state here.
Tennessee Health Insurance Facts & Statistics
Total Tennessee Residents – 6,293,800
Total Health Insurance Coverage In Tennessee:
Employer – 47%
Individual – 5%
Medicaid – 18%
Medicare – 14%
Other Public – 2%
Uninsured – 14%
Average Individual Monthly Premiums – $204
Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 22%
Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,031
Average adjusted hospital cost per inpatient day – $1,462
Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/
Tennessee Medical Insurance Laws, Regulations & Policies
There are several Tennessee health insurance laws and regulations that are put in place to protect policyholders living in the state. Tennessee insurance providers will consider an applicant’s current health status and health history before providing coverage and setting premiums. If an individual has a pre-existing condition, an insurer could restrict coverage or deny the application.
Residents who are turned down for coverage because of their health status can purchase a plan from the Tennessee health insurance pool, AccessTN. While this high risk pool guarantees access to coverage, it is important to note that the monthly premiums are typically high.
Individuals who have recently left a group health plan with an employer, and also meet other requirements, are protected under the federal law HIPAA. HIPAA prohibits Tennessee health insurance companies from restricting coverage to eligible individuals or imposing waiting periods, and also guarantees acceptance for coverage.
All Tennessee health insurance plans must provide coverage for certain medical services under state law. Those services include:
Tennessee Health Insurance Resources
Tennessee Department of HealthA useful resource for all your state health care questions. Visit the website.
Tennessee Office of Minority HealthA list of regional minority health coalitions in Tennessee. Visit the website.
National Health Reform and Tennessee See state resources on the implementation of the Affordable Care Act. Visit the website.
Tennessee’s State Health Insurance Assistance Program (SHIP)The Tennessee State Health Insurance Assistance Program is a statewide program that provides free and objective counseling and assistance to persons with questions or problems regarding Medicare and other related health insurances. Visit the website.
Tennessee Health Insurance High Risk PoolThe Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Tennessee with pre-existing conditions are able to get health insurance from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Tennessee health insurance policies and requires enrollees to pay monthly premiums and out-of-pocket costs.
Enrollees in the Tennessee PCIP program pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly costs for Tennessee residents will be $286 for ages 0 to 34; $343 for ages 35 to 44; $438 for ages 45 to 54; $609 for ages 55 and older. The plan has a $2,500 deductible that must be met before health insurance benefits kick in and has a $5,950 out-of-pocket limit. Residents who are eligible for the plan will get access to health insurance coverage for hospital and doctor visits, emergency services, prescription drugs, and more.
Individuals may apply for the Tennessee PCIP health plan if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Tennessee health insurance high risk pools visithttp://www.healthcare.gov/index.html.
To stay up-to-date on the latest health care reform news, visit:http://healthreform.kff.org/
Tennessee Medical Insurance and Health Care Programs
The state of Tennessee offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:
Tennessee Insurance Providers
Aetna Health InsuranceAetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.
Assurant Health InsuranceAssurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Blue Cross and Blue Shield of Tennessee Health InsuranceBCBS of Tennessee is the largest health insurance company in the state. It also has the largest care provider network including 23,000 physicians.
Celtic Health InsuranceCeltic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Cigna Health InsuranceCIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.
Companion Life Insurance Company Health InsuranceCompanion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.
Golden Rule Health InsuranceGolden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Great American Health InsuranceGreat American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.
Humana Health InsuranceThrough affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.
John Alden Health InsuranceJohn Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.
Standard Security Life Health InsuranceThe Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.
Time Insurance Health InsuranceToday, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health InsuranceToday, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
United Security Life Health InsuranceUnited Security Life squarely focuses its products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.
UnitedHealthOne Health InsuranceGolden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.
WorldIns ExpressMed Health InsuranceWorld Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Important Contacts and Links
Tennessee Department of Insurance and Department of Health ServicesFind the contact information for the Tennessee health insurance and health services departments at:
Tennessee Department of Commerce & Insurance
500 James Robertson Parkway
Davy Crockett Tower
Nashville, TN 37243-0565
Phone: (615) 741-2241
Tennessee Department of Health
Cordell Hull Building
425 5th Avenue North
Nashville, TN 37243
500 W. South St.
Freeport, IL 61032
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