Tennessee Health Insurance
Health Insurance Online ->
State Health Insurance Information ->
State-by-State Guides ->
According to the Center for Disease Control, and average of 11.8% of Tennessee residents went uninsured for Tennessee health insurance each year between 2001 and 2003.
Free Health Insurance Quotes
To receive free quotes on Tennessee health insurance, enter your zip code below and click "Get My Quotes."
Tennessee Health Insurance Regulations
Any individual covered under a group or employer health insurance policy in Tennessee cannot be denied or limited access to coverage based on health. Unless an individual is HIPAA eligible, any Tennessee health insurance company can turn down an applicant for individual health insurance based on health, age, or any other factor. Most policies are guarantee renewable which means that any individual is guaranteed the right to renew any existing Tennessee health insurance policy provided the individual paid all premiums on time and did not provide any false information.
HIPAA-Eligibility
All Tennessee health insurance companies offering individual health insurance plans must provide options for HIPAA-eligible individuals seeking health insurance. Tennessee health insurance companies must offer at least two types of standard plans (high and low), their two most popular individual health insurance plans, or they may also offer such individuals a choice of any of their individual health insurance policies.
Pre-Existing Conditions
Tennessee health insurance companies can impose both elimination riders and pre-existing condition exclusion periods. Elimination riders exclude certain medical conditions or body parts from coverage for the duration of the Tennessee health insurance plan. Pre-existing condition exclusion periods are limited to two years during which time any condition treated, diagnosed, or, according to the insurance company, should have been treated or diagnosed prior to the beginning of the health insurance policy is not covered. HIPAA eligible individuals cannot have pre-existing exclusion periods on policies.
Pregnancy
Pregnancy is considered a pre-existing condition and can be subjected to pre-existing exclusion periods under Tennessee health insurance law. Once an individual is covered under Tennessee medical insurance, however, all newborns and newly adopted children are automatically covered under the policy for the first 31 days after birth or adoption, provided the policy covers dependents. Disabled children may also continue coverage as dependents past the age at which dependent coverage usually ends.
Rates
Tennessee health insurance rates vary depending on age, health, gender, family size and other factors. If the insurance company believes an individual is a higher risk for coverage, the company can charge more for an individual Tennessee medical insurance policy.
Temporary Health Insurance
Some companies sell temporary individual health insurance. Any individual who is not covered under Tennessee health insurance because he or she is between policies or employers may have the option of purchasing temporary coverage for this period of time.
Alternative Tennessee Health Insurance Options
For individuals who have difficulty obtaining individual Tennessee health insurance, the state has a program called TennCare which helps residents obtain health insurance coverage. It provides the following services to Tennessee residents:
- Medicaid to eligible residents
- Low-income health care program to eligible residents
- Children’s health insurance program for children whose families are not eligible for the Medicaid program but may not be able to afford Tennessee health insurance.
Information on Tennessee Health Insurance
Tennessee Department of Insurance
Insurance Division
500 James Robertson Pkwy
Fourth Floor
Nashville, TN 37243
(615) 741-2218
1-800-342-4029
www.state.tn.us
Tennessee Health Insurance Organizations
According to the Tennessee Insurance Division, the following is a list of Tennessee health insurance companies that provide major medical(MM), hospital and surgical(H/S), and short term (STMM) health insurance:
American Medical Security Life Ins. Co
Assoc. Group MM
3100 AMS Blvd, P.O. Box 19032
Green Bay, WI 543079032
(800) 2325432
American National Life Ins. Co. of Texas
Association Group MM
One Moody Plaza
Galveston, TX 775507999
(409) 7666495
American Republic Ins. Co.
Association Group MM, STMM
P. O. Box 1
Des Moines, IA 50334
(800) 2472190
Blue Cross and Blue Shield of Tennessee
Individual MM , STMM
801 Pine Street
Chattanooga, TN 37402
(423) 7555600,
Celtic Insurance Company
Individual MM
233 South Wacker Dr., Suite 700
Chicago, IL 606066393
(312) 3325401
Central Reserve Life Insurance Co.
Association Group MM
17800 Royalton Rd.
Strongsville, OH 44136
(800) 3213997
Companion Life Insurance Co.
Association Group MM
7909 Parklane Road, Suite 200
Columbia, SC 292235666
(800) 7530404
Continental General Ins. Co.
Association Group MM, H/S, STMM
8901 Indian Hills Drive
Omaha, NE 68114
(404) 3973200
Empire Fire & Marine Ins. Company
Association Group (IL) MM STMM
13810 First National Bank Parkway
Omaha, NE 681545202
Fortis Benefits Insurance Company
Association Group MM
500 Bielenberg Drive
Woodbury, Minnesota 55125
(800) 8002000, Ext. 4280
Fortis Ins. Co.
Association Group MM
P. O. Box 3050
Milwaukee, WI 532013050
(414) 2713011
Freedom Life Ins. Company of America
Association Group MM, HMS
110 West Seventh St., Suite 300
Ft. Worth, TX 76102
(800) 3879027
Golden Rule Insurance Company
Association Group MM, STMM
712 Eleventh Street
Lawrenceville, IL 624392395
(618) 9438000
Humana Ins. Co.
Individual MM HSA available
P.O. Box 30111
Tampa, FL 336303111
(800) 4581354
MEGA Life and Health Ins. Company
Association Group MM
P.O. Box 982010
North Richland Hills, TX 761828010
(817) 6566110
MidWest National Life Ins. Co. of TN
Association Group MM
4001 McEwen Rd., Suite 200
Dallas, TX 75244
(800) 7292302
National Foundation Life Ins. Co.
Association Group MM, HMS
110 West Seventh St., Suite 300
Fort. Worth, TX 76102
(800) 2219039
New Era Life Ins. Co. of the Midwest
Individual MM
P.O. Box 4884
Houston, TX 772104884
(281) 3687200
sales: (800) 8251858
Philadelphia American Life Ins. Co.
Association Group MM, H/S
P.O. Box 4884
Houston, TX 77210
(281) 3687200
Physicians Mutual Ins. Co.
Individual MM, H/S, STMM
2600 Dodge Street
Omaha, NE 68131
(800) 2289100
Republic American Life Insurance Co.
8200 Brookside Dr. Suit 600N,
LB 111
Dallas, TX 752474069
(214) 6316310
United American Insurance Co.
Individual H/S
P. O. Box 810
Dallas, TX 752210810
(214) 3282841
World Insurance Company
Association Group MM, STMM
P. O. Box 3160
Omaha, NE 681030160
(402) 4968000
According to the Tennessee Division of Insurance, the following are Health Maintenance Organizations (HMOs) in Tennessee:
- Aetna US Healthcare, Inc. [pdf]
- Cariten Health Plan, Inc.[pdf]
- Cigna Healthcare of Tennessee, Inc.[pdf]
- Healthspring, Inc.[pdf]
- John Deere Health Plan, Inc.[pdf]
- United Healthcare of Tennessee, Inc.[pdf]
|
