Health Insurance Carriers in Tennessee (TN)
Every state has variations on health insurance laws
for providers and plans. Tennessee is no different. Select a health
insurance provider link below to learn more about your options
in Tennessee. For more information on health insurance regulations
and rules in Tennessee, read on.
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Health Insurance Providers in Tennessee
American
Medical Security
Assurant Health (Formerly Fortis)
BlueCross BlueShield of Tennessee
Celtic
Clarendon National
Fairmont Specialty Group
Golden Rule
Humana
Security Life
Group Health Insurance in Tennessee
- Eligible applicants may not be denied coverage
or charged more due to illness.
- Life changes involving family or unemployment may provide
special opportunities for group coverage.
- Employers may withhold coverage for new employees for
a prescribed period.
- Providers may review medical history for the previous
six months before coverage began. In the case of a pre-existing
condition, the company may require an exclusion period of up to
12 months.
- If continuous coverage has been maintained, without a
break longer than 63 days, credit may be applied toward the exclusion
period.
Small Business Health Insurance in Tennessee
- Small businesses with fewer than 50 employees
may not be denied small group coverage or be cancelled based on
illness within the group.
- There are limits on the cost of premiums for businesses
with fewer than 25 employees.
- For businesses with fewer than 25 employees, there are
no price limits.
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Self-Employed Health Insurance in Tennessee
- The self-employed may not buy group health
insurance.
- Contact the Tennessee Department of Commerce and Insurance
for rules on affiliation with businesses or professional associations
for the purpose of acquiring group health insurance.
Tennessee Department of Commerce and Insurance
500 James Robertson Parkway
Nashville, TN 37243
(615) 741-2241
www.state.tn.us/commerce/insurance/index.html
Individual Health Insurance in Tennessee
- Individual health insurance coverage usually
depends on health status. Coverage may be denied due to health
problems.
- For the HIPAA eligible, providers may not deny coverage
or impose exclusion periods.
- In the case of a pre-existing condition, an exclusion
period of up to two years may be imposed.
- Providers may attach elimination riders to policies.
- Individual insurance providers do not have to offer creditable
coverage.
- Pregnancy qualifies as a pre-existing condition.
- There are no limits on the cost of premiums.
- Coverage may not be cancelled due to illness.
Tennessee Health Care Programs
Tenncare and Tennessee Breast and Cervical
Cancer Early Detection Program assist low income residents with
their health needs.
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