Tennessee Health Insurance
As a resident of Tennessee, you have plenty of Tennessee health insurance options to choose from. There are multiple insurance companies in Tennessee that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Tennessee. See some of the state’s top health insurance companies and read about the important Tennessee health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Tennessee health insurance programs.
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If you would like to get free quotes and compare Tennessee health insurance plans now, start with our simple form on the right.
Resources on this page
Tennessee Health Insurance Companies
Tennessee Health Insurance Laws and Regulations
Public Health Insurance Programs for Tennessee Residents
Contact Info for the Tennessee Department of Insurance and Department of Health Services
The following list of companies offer health insurance plans in Tennessee:
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Golden Rule Health Insurance
Golden Rule Insurance Company serves almost 50 million Americans, providing affordable and customized health insurance plans.
Humana Health Insurance
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
American Community Health Insurance
American Community has been providing health insurance solutions for more than 7 decades. Their health insurance options include managed care, traditional indemnity, and consumerııdirected plans.
Standard Security Life Health Insurance
Started in 1978, IAC offers management services to large companies who self-insure.
World Insurance - Brokerage Health Insurance
World Insurance - Brokerage is a leading provider of affordable health insurance options. Their plans provide comprehensive coverage and access to an extensive network of doctors and hospitals.
ANTEX Health Insurance
ANTEX has evolved into one of the strongest insurers in the country. They offer a wide variety of insurance solutions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
BlueCross BlueShield of Tennessee Health Insurance
As one of the largest and most experienced health insurance providers in the state, BCBS of Tennessee has over 2.3 million members. They provide health insurance plans for individuals, families, seniors, and businesses of all sizes.
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
WorldIns - ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Golden Rule Platinum Health Insurance
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Tennessee Health Insurance Laws and Regulations
According to Tennessee health insurance law, insurance companies can look at a person's health history and pre-existing health conditions before they are accepted into coverage and premiums are set.
If an applicant has a pre-existing condition, an insurer could restrict coverage or deny the application. But if the applicant recently left a group health plan with an employer and also meet other requirements, they are protected under the federal law HIPAA.
This law prohibits Tennessee health insurance companies from restricting coverage if a person is HIPAA-eligible and guarantees they will be accepted for coverage.
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 health insurance pool guarantees access to coverage, the monthly premiums are typically high.
Health plans themselves are also regulated by Tennessee health insurance law. All plans must provide coverage for certain health care services, including:
- 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
Tennessee health insurance plans are also guaranteed renewable by state law. This means your health coverage cannot be canceled if you are injured or get sick.
Tennessee Public Health Insurance Programs
Some low-income residents can get financial assistance for obtaining Tennessee health insurance coverage. Here are the state's public health care programs:
- Medicaid (TennCare)
The Medicaid program in Tennessee is called TennCare. It provides health coverage for certain low-income residents and disabled citizens. 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 program is Tennessee's State Children's Health Insurance Program (SCHIP), which provides health insurance for low-income children who do not qualify for TennCare and also live in families that cannot afford insurance on their own. Learn more about this Tennessee health insurance program for children on their website. - CoverTN
Small businesses can get financial assistance from the state to provide their employees with health insurance through this Tennessee health insurance program. Find out more 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
Low-income women in Tennessee can get free mammograms and cervical cancer screening through this program. Women diagnosed with cancer can also receive full health insurance benefits through TennCare. Get more information about this women's Tennessee health insurance program on their website.
Also, the Federal Health Coverage Tax Credit is a program that can help some Tennessee trade workers and early retirees pay for their health plan premiums. Learn more about the Tax Credit online.
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
http://www.state.tn.us/commerce/insurance/index.html
Tennessee Department of Health
Cordell Hull Building
425 5th Avenue North
Nashville, TN 37243
(615) 741-7305
http://health.state.tn.us/
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