Tennessee



 

About Health Insurance in Tennessee

East Coast Health Insurance gives you access to the great companies available for health insurance in Tennessee , such as Aetna, Blue Cross Blue Shield of Tennessee, Cigna, Humana, and UnitedHealth One. We can give you a quick quote online, or provide you with all our Tennessee health insurance knowledge over the phone.

Statistics

  • Total Population: 6,243,900
  • Total Uninsured Population: 933,700 (16%)
  • Typical Cost of Inpatient Hospital Visit Per Day: $1,462
  • Average State Premium for Individual Health Insurance: $204

Information provided by Kaiser Family Foundation, 2010.

Choosing a Plan in Tennessee

East Coast Health Insurance makes it easy for you to get a quote, start by entering your zip code above, or for extra assistance you can speak with one of our experts finding the best rates for you over the phone at 888-803-5917.

 

Tennessee Health Insurance Market & Laws

In the state of Tennessee, health insurance policies are affected by federal law in similar ways to many other states. The guaranteed renewability provision is a mandatory part of every insurance plan. This means that as long as you have not violated your policy terms, missed any premium payments, or had any lapses in coverage, your insurer must renew the same plan you had previously.

Regulations in Tennessee also mandate that newborns and adopted children are placed on their parents’ individual insurance plan for the first 31 days after birth or adoption. If your insurance plan has the capability of coverage for dependents, then this law applies.

Pre-existing conditions are defined as any condition for which you received medical care or were diagnosed within six months prior to beginning your health insurance, in Tennessee. Insurance companies can implement an exclusion period (when they do not pay for any medical costs related to the condition) for up to 12 months for pre-existing conditions.

Insurance companies in Tennessee have the liberty of deciding whether or not to sell you health insurance due to your health standings or age. They can also provide you with coverage, but at a higher rate than normally because of declining health or old age.

Coverage

In Tennessee, health insurance laws require all policies to cover a few services across the board, which includes:

  • Mental health coverage equal to any other medical condition
  • Maternity care
  • Breast, prostate, and colorectal cancer exams
  • Treatment for clinical cancer trials

For further information about health care regulations in Tennessee, visit the Tennessee Department of Commerce & Insurance site.

 

Sources:

1. Kaiser Family Foundation, “Tennessee – State Health Facts”. www.statehealthfacts.org

 2. Health Insurance In-Depth, “Tennessee Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Tennessee.html