We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Tennessee and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
It
is important to understand the Tennessee health insurance regulations
before
applying. For
example in Tennessee,
pregnancy is considered a pre-existing condition.Tennessee does not require insurance companies to accept
your
application if you have an existing medical condition. The companies
have the
ability to attach an elimination rider to your medical policy specific
to the
pre-existing condition but it can not last longer than 2 years. In
addition,
there are no limits on the monthly premiums that health carriers can
charge, in
Tennessee, for a health plan or on increases at the time of renewal. No
Tennessee Insurance Company can cancel you after getting sick;
guaranteed
renewable.
Like
many other residents of Tennessee, you might find yourself on COBRA and
not know
what to do.COBRA
stands for
Consolidated Omnibus Budget Reconciliation Act of 1985.In short this allows Tennessee Residents to
continue getting their Tennessee Group Health Insurance even if they
are not
employed by their employer anymore.Tennessee COBRA Health Insurance is similar to most other
states in the
fact it only lasts for 18 months, in most instances.
It
is important to understand that most Tennessee residents that are on
paying for
a TN COBRA Health Insurance Plan are paying a lot of money!There are many options
that are available to
TN residents.Obviously
what you need
depends on your situation but here are most of your options; Tennessee
individual insurance, Tennessee
group insurance, Tennessee
self employed insurance, Tennessee
student insurance, or Tennessee
short term insurance policies are all available. Through the
years we have
found that we can save most clients between 20-50% from what they are
paying
for a comparable TN COBRA Plan.To
get
a quote just click
here!
Tennessee
Student
Health Insurance
Many
students are in college and find themselves paying a lot for Tennessee
Student
Health Insurance.This
does not have to
be the case.There
are certain
requirements Tennessee has for it’s student health insurance policies,
but for
the most case TN Student Health Insurance is very affordable.To get a quote just click
here!
Tennessee
Short
Term Health Insurance
Short
Term Health Insurance can be very useful if you are in-between jobs,
just
graduated college, or just started a job that has a 3+ month waiting
period
before you are eligible for benefits.Tennessee Short Term Health Insurance is very affordable
and very easy
to apply for.For a
quote just click
here!
QuicklyQuoteMe Recommends
We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Tennessee Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Tennessee Health Insurance Companies
Celtic – Celtic originally started out as a Group Health Insurance Provider in early 1978. Slowly they began focusing more and more on the individual health market, and currently today they exclusively provide individuals medical insurance.
Celtic is known as a conservative company, with high ratings, and great customer service. They have had an Excellent (A-) rating from AM Best since 1986. With a conservative outlook, a focus on a specific medical market (individual health) and strong customer service, it is no wonder why Celtic is a strong player in Tennessee!
Blue Cross Blue Shield of Tennessee – Blue Cross Blue Shield was founded in 1937. Currently Blue Cross Blue Shield of Tennessee insures 1.75 million people through their wide range of products; medical, life, and disability. Every BCBS is an independent corporation and Blue Cross Blue Shield of Tennessee is just one of 48.
Humana – Is one of the largest publicly traded health insurance companies in the country. Currently Humana insures about 6.7 million members across the country and in Tennessee. Not only does Humana offer Health insurance in Tennessee, they also offer dental, disability and life insurance. But they specialize in large groups as well as for the individual group market.
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
Aetna – Aetna is considered one of the countries leading health insurance companies. Aetna offers medical, dental, life and pharmaceutical benefits in all 50 states. They have a network of over 684,000 providers nationwide. Aetna is known for designing niche products for small, medium and large groups as well as for the individual group market.
