Health Insurance

One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Tennessee health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Tennessee health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Tennessee health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.

This article will provide you with information detailing the regulations of Tennessee health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.

You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Tennesseens to those of people who live in other parts of the country.

All you need to know about Tennessee health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.

Tennessee Individual and Family Health Insurance
Tennessee health insurance companies which offer individual or family health insurance policies are permitted to deny coverage to any person who has a pre-existing medical condition. If you have a pre-existing condition and are accepted for coverage, you can expect the premiums to be substantially higher than the ones for healthy individuals. Tennessee health insurance companies may offer you a policy which contains a rider. This rider basically states that the insurance company is not obligated to pay any medical expenses you incur related to the pre-existing condition. Insurance companies are also allowed to impose waiting periods on pre-existing conditions, some for as long 24 months. They are not obligated to provide credit from prior health insurance coverage to this waiting period. They are also permitted to go back 5 years in your medical history to determine a pre-existing condition. Tennessee health insurance companies are allowed to offer varying degrees health plans, which include premiums, covered services, deductibles, and co-payment amounts.

Tennessee Group Health Insurance
For Tennessee health insurance for a group or company, the state of Tennessee requires that a company have between 2 and 50 employees. Employers, however, are not required to provide Tennessee health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some Tennessee health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under Tennessee health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.

Tennessee COBRA Insurance
Tennessee health insurance continues for employees after they have left their jobs, through the federal COBRA plan. COBRA is available for employees of companies that have at least 20 employees. COBRA is designed so that you can keep your Tennessee health insurance for up to 18 months if you are eligible for the program while you are between jobs. Additionally, eligible dependents can keep coverage for 36 months, and disable people can continue medical benefits for 29 months. Because COBRA allows you to continue your pervious coverage, like all Tennessee health insurance, if your employer decides to stop offering health insurance to employees, then your COBRA coverage will also end. If this happens, or when your benefits run out, additional Tennessee health insurance is available through the Tennessee Comprehensive Health Insurance Association (ACHIA).

Tennessee Health Information and Statistics
If you are in the market for quality Tennessee health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Tennessee ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Tennessee are moderate immunization coverage, a low prevalence of binge drinking, and moderate per capita public health funding. Tennessee also faces many challenges, such as a high rate of violent crime, a high rate of cardiovascular disease, and a high infant mortality rate.

According to a 2008 study, Tennessee had some significant changes over the past year. These include the prevalence of smoking increasing by 8% and the per capita public health funding increasing by 12%. Over the past five years, the rate of uninsured population increased by 33%. Since 1990, the violent crime rate also increased by 41%.

Following is a variety of statistical data related to living in Tennessee, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Tennessee health insurance.

  • Prevalence of Smoking-46th
  • Prevalence of Obesity-47th
  • Violent Crime-49th
  • Children in Poverty-39th
  • Air Pollution-41st
  • Cancer Deaths-47th
  • Lack of Health Insurance-27th
  • Prevalence of Binge Drinking-1st
  • Infant Mortality-48th
  • Infectious Disease-40th
  • Premature Death-46th

Overall Rank: 47
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