Tennessee Health Insurance
Get a Quote »We provide health insurance quotes for the residents of Tennessee. Our independent agency will help you find individual, family, short term or group coverage. We serve all of TN including Nashville, Memphis, Knoxville and all places in between.
Affordable medical coverage can be purchased from leading carriers such as Aetna, Anthem Blue Cross Blue Shield, Assurant, Humana, United Healthcare – Golden Rule, and others. Prices are controlled by law so there is no additional expense to use our agency.
Individual and Family Insurance Coverage
We offer medical coverage to both individuals and families. If you are starting a business, self employed, between jobs, losing parental coverage, or in need of an alternative to COBRA, then we can help you.
We have several benefit designs, deductibles, co-payments, and coinsurance options. Our comprehensive plans include doctors visits, preventive care, and prescription drug coverage. Deductibles will start at $250 per individual and coinsurance can be set at 100%. Lifetime policy maximums range from two to fifteen million per individual.
Tennessee Maternity Insurance
Only a few insurance companies offer plans with quality maternity coverage. All plans will have a waiting period and waiting periods will vary in length from three to twelve months. Our most popular plan offers a three month wait, a maternity specific deductible, and several networks to choose from. This way, you can be sure that your OBGYN and hospital are in network.
Short Term Health Quotes
Most carriers offer short term health insurance. These are usually inexpensive plans that offer coverage for as little as one month on up to one year. Short term plans are wise if you know that you will have permanent group coverage at the end of the selected term. Otherwise, it may be a good idea to purchase a permanent plan that can be cancelled at a later date. This will assure that you will not be denied a policy because of poor health if you need to reapply for coverage. Underwriting standards are less for short term coverage, thus it is quite easy to be accepted.
Employer Group Coverage and Benefits
We work with employer based business groups both large and small. We quote from reputable, well known carriers to provide group health insurance as well as ancillary benefits. Dental, vision, life, disability and long term care coverage are all offered as a package, on a stand alone basis, or as a voluntary benefit. Groups will still need to be underwritten to determine their risk factor, but no one individual can be denied coverage due to preexisting conditions or prior claims experience.
Health Savings Account Qualified Plans
Only Tennessee health policies with higher deductibles can be coupled with a health savings account – or HSA for short. In return for lower premiums, the insured can pay for incidental expenses out of their health savings account. Once the deductible has been reached, then coverage usually begins in full – depending on the plan selected. Preventive care, however, is usually not subject to the deductible and is therefore not an out of pocket expense.
Funds deposited into a HSA can be deducted from your income taxes each year. Deposits grow tax-deferred and will earn interest based on the declared savings rate at your chosen bank or financial institution. Still other plans allow for mutual funds and other market related instruments to be purchased with the HSA deposits.
When needed, funds can be withdrawn tax-free to pay for qualified medical expenses. For example, monies could be used to reach a deductible or coinsurance amount, as well as pay for prescriptions and dental and vision bills. Unused funds remain in the account year after year for future medical expenses and always belong to the insured – even if the health coverage is later terminated.
Contact us to request your personal health insurance quotes today.