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Individual and Family Insurance Coverage

Health Insurance Coverage

We provide health insurance quotes for Tennessee residents direct from several carriers. 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 our agency through leading carriers such as Aetna, Ambetter, Anthem Blue Cross Blue Shield of Tennessee, Bright Health, Cigna, Humana, Oscar, United Healthcare – Golden Rule, and others. Prices are controlled by law so you will not find better rates on your health insurance than with our agency.

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. We can help you tailor benefit plans to fit your budget. We can also help you calculate any tax-credits you might qualify for through the Federal Marketplace.

There are no longer lifetime maximums on individual policies sold on the Exchange. You can never lose or be kicked off you insurance so long as you pay your premiums on time.

Plans sold off of Healthcare.gov may have some limitations, however. This would include short term policies which are not required to follow the same rules and regulations of Affordable Care Act coverage.

Health Insurance Plans Covering Pregnancy

As part of the Affordable Care Act, all health insurance plans sold on the Exchange must cover maternity expenses. The only factors affecting your costs will be the out-of-pocket expenses associated with your plan. You will need to purchase insurance during the open enrollment window if you are not experiencing a Qualifying Life Event (QLE).

Qualify Life Events can be situations like moving to TN and losing coverage, losing COBRA, retiring and/or losing a group plan. It’s important to act within the first 63 days of losing any qualifying coverage. Otherwise you may not be able to utilize your QLE and purchase a Marketplace plan. Losing short term health insurance is not a qualifying event, however.

Your premiums will vary depending on whether you choose to purchase insurance on or off of the federal exchange. If you qualify for a tax credit, then the only place you can buy health insurance and get a subsidy will be on the exchange. We can help you find coverage both on and off the federal website depending on your needs.

Short Term Health Insurance Policies

short term health TN

A few companies now specialize in short term health insurance policies. These inexpensive plans offer coverage for as little as one month, but can be purchased to cover longer periods of time. Some cover years at a time.

Short term plans are a great option to cover small breaks in coverage between more permanent plans. You might want one to fill gaps before group insurance begins or Medicare eligibility occurs.

Others are using short term plans to cover spans of 12 months or longer. In fact, many short term policies like much like insurance did before the advent of the Affordable Care Act. There are some drawbacks, however.

Short term policies are medically underwritten. They will not cover certain preexisting conditions. They do not cover maternity related expenses. And many only cover generic drugs and some preventive care. In other words, they are designed to cover more catastrophic situations should one arise.

The trade-off is much lower premiums. If you don’t qualify for a tax credit and are in generally good health, short term health insurance in Tennessee can be half as much as many Marketplace plans.

Employer Group Coverage and Voluntary 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.

There will be some companies that are more competitive than others when shopping in the group marketplace. The size of your group will be the most important factor in determining who will offer your company the best rates. Please contact us here for group health insurance quotes.

Health Savings Account Qualified Plans

Only health insurance policies with higher deductibles can be coupled with a health savings account (HSA for short). In return for lower premiums, the insured pays for incidental expenses out of their health savings account. Once the deductible has been reached, then most items are covered in full – depending on the plan selected. Preventive care will not be subject to the deductible and is therefore not an out of pocket expense.

Funds deposited into a HSA are deducted from your income taxes each year. Deposits grow tax-deferred and will earn interest based on the rate at your bank or financial institution. Still other plans allow for mutual funds and other market related instruments to be used with the HSA deposits.

When needed, funds are withdrawn tax-free to pay for qualified medical expenses. For example, you can use funds to reach a deductible or coinsurance amount, as well as pay for prescriptions, dental and/or vision costs. Unused funds remain in the account year after year for future medical expenses. They always always belong to you the insured – even if the health coverage is later terminated.

Contact Us For Quotes, Comparisons & Assistance

We are an independent agency specializing in health insurance plans and enrollment both on and off the federal exchange. We serve all of Tennessee and offer popular policies from Blue Cross Blue Shield, Oscar, Cigna, Humana an our newest carrier Bright Health.

There are no extra costs whatsoever to use our services. Contact us to learn more about your options and to stay compliant with the rules.