Tennessee Health Insurance

Health Insurance Overview

Tennessee residents have many options for health care coverage. There are numerous Tennessee insurance providers to choose from, along with a variety of Tennessee medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Tennessee health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Tennessee medical insurance from the best Tennessee insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Tennessee health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Tennessee health insurance programs, and even details on some of the top Tennessee insurance providers.

To compare specific Tennessee medical insurance plans offered by the various Tennessee insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Tennessee health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Tennessee health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Tennessee? Find your state here.

Tennessee Health Insurance Facts & Statistics

Total Tennessee Residents – 6,293,800

Total Health Insurance Coverage In Tennessee:
Employer – 47%
Individual – 5%
Medicaid – 18%
Medicare – 14%
Other Public – 2%
Uninsured – 14%

Average Individual Monthly Premiums – $204

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 22%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,031

Average adjusted hospital cost per inpatient day – $1,462

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Tennessee Medical Insurance Laws, Regulations & Policies

There are several Tennessee health insurance laws and regulations that are put in place to protect policyholders living in the state. Tennessee insurance providers will consider an applicant’s current health status and health history before providing coverage and setting premiums. If an individual has a pre-existing condition, an insurer could restrict coverage or deny the application.

Residents who are turned down for coverage because of their health status can purchase a plan from the Tennessee health insurance pool, AccessTN. While this high risk pool guarantees access to coverage, it is important to note that the monthly premiums are typically high.

Individuals who have recently left a group health plan with an employer, and also meet other requirements, are protected under the federal law HIPAA. HIPAA prohibits Tennessee health insurance companies from restricting coverage to eligible individuals or imposing waiting periods, and also guarantees acceptance for coverage.

All Tennessee health insurance plans must provide coverage for certain medical services under state law. Those services include:

  • Care costs of clinical cancer trials
  • Screening for breast, colorectal, prostate, and cervical cancer, along with chlamydia
  • Medical care for pregnant women
  • Equal coverage for mental health conditions and physical health conditions

Also, all Tennessee medical insurance plans are guaranteed renewable, which means an insurance company cannot cancel a policyholder’s coverage if he or she gets sick or injured.

Tennessee Health Insurance Resources

Tennessee Department of Health

A useful resource for all your state health care questions. Visit the website.

Tennessee Office of Minority Health

A list of regional minority health coalitions in Tennessee. Visit the website.

National Health Reform and Tennessee 

See state resources on the implementation of the Affordable Care Act. Visit the website.

Tennessee’s State Health Insurance Assistance Program (SHIP)

The Tennessee State Health Insurance Assistance Program is a statewide program that provides free and objective counseling and assistance to persons with questions or problems regarding Medicare and other related health insurances. Visit the website.

Tennessee Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Tennessee with pre-existing conditions are able to get health insurance from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Tennessee health insurance policies and requires enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the Tennessee PCIP program pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly costs for Tennessee residents will be $286 for ages 0 to 34; $343 for ages 35 to 44; $438 for ages 45 to 54; $609 for ages 55 and older. The plan has a $2,500 deductible that must be met before health insurance benefits kick in and has a $5,950 out-of-pocket limit. Residents who are eligible for the plan will get access to health insurance coverage for hospital and doctor visits, emergency services, prescription drugs, and more.

Individuals may apply for the Tennessee PCIP health plan if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Tennessee health insurance high risk pools visit http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Tennessee Medical Insurance and Health Care Programs

The state of Tennessee offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid (TennCare)
    Tennessee’s Medicaid program is called TennCare and provides health insurance and medical coverage for some disabled and low-income residents. Residents who have TennCare can also receive medical services from TENNderCARE, which is the state’s program for early and periodic screening, diagnosis, and treatment. Find out more about TennCare online.
  • CoverKids
    This is Tennessee’s State Children’s Health Insurance Program (SCHIP). The program provides health insurance for low-income children of families who cannot afford medical insurance on their own but who do not qualify for TennCare. Visit CoverKids online to learn more.
  • CoverTN
    Small businesses can get financial assistance from the state to provide their employees with health insurance through this Tennessee health insurance program. Learn more about CoverTN online.
  • CoverRx
    Tennessee residents who have no prescription drug coverage can get affordable medications through this discount program. Learn more about CoverRx here.
  • Tennessee Breast and Cervical Cancer Screening Program
    This program offers low-income women in Tennessee free mammograms and cervical cancer screenings. If a woman is diagnosed with cancer through this program, she can receive full health benefits through TennCare. Visit the website to lean more.
  • Tennessee Medicare
    Seniors can find Tennessee health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Some trade workers and early retirees may qualify for the Federal Health Coverage Tax Credit to help pay up to 65% of health plan premiums for themselves and their families.

Tennessee Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Blue Cross and Blue Shield of Tennessee Health Insurance

BCBS of Tennessee is the largest health insurance company in the state. It also has the largest care provider network including 23,000 physicians.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Cigna Health Insurance

CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.

Companion Life Insurance Company Health Insurance

Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

United Security Life Health Insurance

United Security Life squarely focuses its products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Tennessee Department of Insurance and Department of Health Services

Find the contact information for the Tennessee health insurance and health services departments at:

Tennessee Department of Commerce & Insurance
500 James Robertson Parkway
Davy Crockett Tower
Nashville, TN 37243-0565
Phone: (615) 741-2241

Tennessee Department of Health
Cordell Hull Building
425 5th Avenue North
Nashville, TN 37243
(615) 741-7305