Enter your ZIP code:

Tennessee Health Insurance Quotes

Tennessee health insurance can be an expensive commodity—and coverage can be scant. Searching for the right health insurance can leave you more confused than ever—and wondering how secure your family's future would really be in case of an accident or long term illness.

InsureMe is here to help! We know how hard finding good Tennessee health insurance can be, and we'd like to take the burden off your shoulders. Just provide us with a little information about yourself at the top of this page, and we'll get you up to five competitive Tennessee health insurance quotes right away.

Buying Tennessee health insurance really can be easy. Don't waste your time contacting one insurance company after another. Let us do it for you …contact us in one simple step today!

Your Tennessee Health Insurance Options

Tennessee health insurance is typically available in two categories, group and individual. Employers usually offer employees group health insurance, whereas an individual purchasing a health care plan on his or her own would purchase an individual health insurance plan.

Fee-for-Service plans and Managed-Care plans are the most popular and well-known Tennessee health insurance policies. Fee-for-Service plans enable the ensured to receive treatment, after which the health insurance company pays all or a portion of the total medical bills. Any doctor or health care provider may be used. Managed-care plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS), provide more comprehensive services and medical treatments, and enable members to use their services for a periodic, fixed fee. However, this type of coverage requires the use of pre-selected, contracted health care providers who charge discounted rates. Using a provider outside the contracted network of Tennessee health care providers may cause a denial of coverage.

Tennessee Health Insurance Facts

Getting educated is the best way to make an informed decision when shopping for Tennessee health insurance. It is important to stay up-to-date on changes in Tennessee health insurance laws and regulations, and adjust your health insurance coverage accordingly.

We have compiled some information below regarding your rights and protections under current Tennessee law—and the limits those protections carry. We hope this information proves helpful and relevant in your quest for health insurance. If you have further questions concerning Tennessee health insurance, contact the Tennessee Department of Commerce and Insurance at 800-342-4029, or contact them online at www.state.tn.us/commerce.

Your Rights

When searching for Tennessee health insurance, you have the right to:

  • Insurance coverage for certain mandated benefits
  • Obtain a copy of your health insurance benefits for comparison purposes
  • Know what your health insurance plan does and does not cover
  • Prompt payment of claims
  • A written explanation when an insurance company denies your health insurance application or refuses to cover a health condition
  • Emergency room coverage for life-threatening injuries
  • Contact your insurer to complain or appeal any decisions with which you disagree

Your Protections

When purchasing Tennessee health insurance, the law provides you certain protections. These include:

  • Group health coverage cannot be denied due to health status.
  • Group health plans must limit exclusion of pre-existing conditions.
  • Tennessee health insurance cannot be canceled due to illness.
  • Group health plans must be guaranteed for small employers, regardless of claims risk.
  • If you leave your job, you may be able to remain in your previous employer's group health plan for a period of time.
  • If you are eligible for the Health Insurance Portability and Accountability Act. (HIPPA), you are guaranteed the right to purchase an individual health plan.
  • If you lose your group health insurance, you may be able to purchase a conversion policy.
  • If you are in a low-income category, you and the members of your household may be eligible for free or subsidized health care coverage.
  • If you lose your health insurance and are receiving Trade Adjustment Assistance (TAA) benefits, you may be eligible for a federal income tax credit called Health Coverage Tax Credit (HCTC) to help you pay for new health coverage.
  • Retirees aged 55-65 who are receiving Pension Benefit Guarantee Corporation (PBGC) benefits may also be eligible for the HCTC.

Your Protection Limits

The protection Tennessee health insurance laws provide is limited in some of the following ways:

  • Except by exercising your COBRA rights, you may usually not take your old health benefits with you when you change jobs.
  • If you change jobs, health coverage may not be offered.
  • If you get a new job with health benefits, your coverage may not start right away
  • If you are uninsured for more than 63 days, you may have to satisfy a new waiting period before pre-existing conditions are covered under your new employer's plan.
  • If you are not HIPPA eligible, your access to individual health insurance depends on your health status.
  • Even if you are HIPPA eligible, the law does not limit what you can be charged for individual health insurance.
  • If you move to another state, you may not be able to purchase individual health insurance unless you are HIPPA eligible.
  • If you work for a small employer, you may be charged more for health insurance if someone in your group is ill.

Now, get the security you deserve!

Decide today to get the Tennessee health insurance quotes you need. Contact InsureMe using our free quote box, and get on your way to the protection and security you need.

Don't wait until you're in a medical crisis… Get prepared now.

Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Health Insurance youcomparequotes 4239
54 Wisconsin Health Insurance youcomparequotes 4802
53 West Virginia Health Insurance youcomparequotes 4383
52 Washington, D.C. Health Insurance youcomparequotes 4126
51 Washington Health Insurance youcomparequotes 4769
50 Virginia Health Insurance youcomparequotes 3900
49 Vermont Health Insurance youcomparequotes 4285
48 Utah Health Insurance youcomparequotes 4186
47 Texas Health Insurance Quotes youcomparequotes 4423
» Tennessee Health Insurance Quotes youcomparequotes 4077
45 South Dakota Health Insurance youcomparequotes 4197
44 South Carolina Health Insurance youcomparequotes 4220
43 Rhode Island Health Insurance youcomparequotes 4569
42 Pennsylvania Health Insurance Quotes youcomparequotes 4192
41 Oregon Health Insurance Quotes youcomparequotes 4461
40 Oklahoma Health Insurance youcomparequotes 3995
39 Ohio Health Insurance youcomparequotes 4014
38 North Dakota Health Insurance youcomparequotes 4477
37 North Carolina Health Insurance Quotes youcomparequotes 4522
36 North Carolina Health Insurance Quotes youcomparequotes 4467
35 New York Health Insurance youcomparequotes 6229
34 New Mexico Health Insurance youcomparequotes 4197
33 New Jersey Health Insurance youcomparequotes 4424
32 New Hampshire Health Insurance youcomparequotes 3865
31 Nevada Health Insurance youcomparequotes 4131
30 Nebraska Health Insurance youcomparequotes 4636
29 Montana Health Insurance youcomparequotes 3840
28 Missouri Health Insurance youcomparequotes 4433
27 Mississippi Health Insurance youcomparequotes 4046
26 Minnesota Health Insurance youcomparequotes 4642
25 Michigan Health Insurance Quotes youcomparequotes 4205
24 Massachusetts Medical youcomparequotes 3862
23 Massachusetts Health Insurance Quotes youcomparequotes 4937
22 Maryland Health Insurance youcomparequotes 4278
21 Maine Health Insurance youcomparequotes 4338
20 Louisiana Health Insurance youcomparequotes 4299
19 Kentucky Health Insurance youcomparequotes 4027
18 Kansas Health Insurance youcomparequotes 4082
17 Iowa Health Insurance youcomparequotes 3799
16 Indiana Health Insurance youcomparequotes 4276
15 Illinois Health Insurance Quotes youcomparequotes 4490
14 Idaho Health Insurance youcomparequotes 3990
13 Hawaii Health Insurance youcomparequotes 5467
12 Georgia Health Insurance Quotes youcomparequotes 4016
11 Florida Health Insurance youcomparequotes 4333
10 Delaware Health Insurance youcomparequotes 4021
9 Connecticut Health Insurance youcomparequotes 4164
8 Colorado Health Insurance Quotes youcomparequotes 4152
7 California Medical Insurance youcomparequotes 4280
6 California Medical Insurance youcomparequotes 3986
5 California Health Insurance Quotes youcomparequotes 4541
4 Arkansas Health Insurance youcomparequotes 4477
3 Arizona Health Insurance Quotes youcomparequotes 4024
2 Alaska Health Insurance youcomparequotes 4315
1 Alabama Health Insurance youcomparequotes 4252
XE Login