| Tennessee
Health Insurance Facts
1. The rates
for each plan are approved by the Department of Insurance. So,
John Smith in the Nashville will offer you the same plan for the same
premium as Mary Jones in Memphis. You can "shop around" until
you are blue in the face, and have every screwball in the country calling
you because you filled out a dozen forms on the Internet. Do yourself
a favor and give me a call. I will find you the lowest cost plan that
will actually pay your claims. Then, you will only have to deal with one
screwball.
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2.
Do not buy a plan that has limits on number of doctor visits or per
illness limitations. This is very important
- Make sure the plan does not use a schedule
for reimbursing your expenses.
In other words, try
to avoid any plan that tells you how much they will pay per day if
you are hospitalized. It will never be enough. If you are buying a
full PPO plan this rule should be followed whenever possible. Generally,
the plans that offer a fixed daily reimbursement are a rip-off. The
sales people try to keep you from noticing this with fancy brochures
and a host of useless discounts. You have been warned. |
3.
Do not buy from an agent that represents only one health insurance company.
You
can avoid most, if not all of the substandard companies and scams by making
sure your agent represents and gives you quotes from multiple companies
(not multiple plans from the same company).
4.
Be wary of discount cards that promise low cost doctor visits and reduced
hospital bills. These
are not insurance plans. If you think a family of four can get a PPO plan
for $100, you are either delusional or on drugs.
5.
If
you have a medical condition that requires a prescription, regular medical
care or have been told that you will require surgery in the future, there
is an excellent chance it will not be covered. No,
there are no laws that will force them to cover it. I don't care what
your neighbor, friend or brother-in-law told you. Call me, and if it is
possible, I will help you get coverage.
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6.
If you are already pregnant you cannot get health insurance, your
husband cannot get health insurance and your children cannot get
health insurance. I know its nuts but those are the rules. Get health
insurance before you are pregnant.
STOP!
We now have health insurance with maternity coverage. Click
Here for details |
7.
If you have a PPO plan you are entitled to the discounted PPO rate for
services. So a doctor visit might still only cost $35 or $40 instead of
$75, and a lab fee $15 instead of $60. Learn
how to take advantage of PPO discounts, it will save you a fortune. Ask
me and I will explain it to you. The PPO discount is your most powerful
weapon against high medical bills. Use the force Luke.
8.
High deductible Tennessee health insurance plans are often the best value.
There is no point in spending $2000 a year more
in premiums for a prescription card and $500 less in deductible. You don't
have group insurance anymore so stop asking for $250 or $500 deductibles.
They are usually a waste of money and will cost you a small fortune.
9.
Dental insurance facts: The
most cost effective plans are discount fee for service plans. every day
we get a call from someone who just found out they need $3000 worth of
dental work and are looking for a $20 a month plan to pay their bills.
Get real! For $6.95 a month you can get a plan that will cut up to 50%
off of your bill - if you like one of plan dentists. Click
here for more dental plan information and rates.
10.
IMMEDIATE ISSUE HEALTH INSURANCE - Although,
most plans take many weeks, even months before the coverage is effective,
you can get you a major medical plan in 24 hours if you are medically
qualified. I can even bind coverage the same day in some instances. These
are temporary plans and can be held for one year.
A
Few More Facts
Individual
Tennessee health insurance plans are not guaranteed issue. This means
you can be denied coverage, so please call me with your concerns. Don't
make me use the bright lights and the rubber hose to find out what I need
to know. I have special plans that can cover a number of tough to insure
situations. We even have guaranteed issue plans with no medical declines
If
content or tone of this site offended you in any way, I apologize in advance.
The bottom line is, you want an agent who will tell you the truth even
if it not the best news. If you ever have a problem with a claim I will
be there to help you.
I
am regarded as an expert in health insurance. State insurance departments
and insurance companies seek my counsel and you have access to the same
advice for free. Insurance from a "quick-quote" site or from
the guy who insures your truck, cost no less than getting it from me.
Actually, in most instances I will save you money.
Thanks for taking the time to read this page.
Martin
Unger
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US AT 1-800-986-4786 |
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Tennessee-Insurance.com - A Full Service
Broker
We are licensed Tennessee
insurance agents
Serving Nashville, Memphis, Knoxville, Oak Ridge, Murfreesboro, Clarksville,
Chattanooga and all other Tennessee cities.
1-800-986-4786
info@tennessee-insurance.com
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