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.
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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.
When searching for Tennessee health insurance, you have the right to:
When purchasing Tennessee health insurance, the law provides you certain protections. These include:
Your Protection Limits
The protection Tennessee health insurance laws provide is limited in some of the following ways:
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