Tennessee Guaranteed Issue Health Insurance

Tennessee guaranteed issue health insuranceTennessee guaranteed issue health insurance has no medical underwriting. This means that virtually anyone can obtain this coverage regardless of any prior health issues.

If you are self-employed, I might be able to offer you a full group-of-one major medical plan. Otherwise, we can offer you a comprehensive limited benefit health insurance plans but will cover most of the health issues you face.

  The limited benefit plans and not full major medical. This means that the amount the plans pay out is pre-determined by a schedule. So, you will be reimbursed up to a certain dollar amount for a physician visit, a hospital stay, a lab test and so forth.
  If you are self-employed, we have full group health insurance plans available. These are regular major medical plans. However, group health insurance is much more expensive than a limited benefit plan. We maintain a separate web site for this type of insurance. Use this link for Tennessee Group Health Insurance for Small Businesses.

Call now at 1-800-272-0512 (9AM - 8 PM) for more information or Click Here and I will call you within 24 hours

What will the limited benefit plans cover?

You would be surprised to discover that the primary plan we use for guaranteed issue health insurance behaves very much like any other health insurance plan.

This chart shows the five available plans and highlights the Platinum plan ($279 a month). However, the higher payouts of the SureCare Plus plan might be worth the extra premium (about $50 a month). The SureCare Plus plan pays out up to $4,000 a day for hospitalization and $100 for six doctor visits. Even at $339 a month it is a great buy.

Keep in mind that these plan use a modern electronically encoded id card. You present your card to the physician and, just like any other health insurance plan, the office can view your benefits, file claims, etc.

Most importantly, the PPO discounted rate, which you are entitled to when you are in network, is immediately available to the provider.

Go directly to the plan website where you can see details and enroll online

Benefits

AWA
SureCare
Bronze

AWA
SureCare
Silver

AWA
SureCare
Gold

AWA
SureCare
Platinum

AWA
SureCare
Plus

Limited Benefits Health Insurance Coverage

Preventive Benefits and Prescription Drugs

Physician Office Visit
(1 may be used for wellness - no family limit)
SureCare Bronze, Silver, Gold, & Platinum: per visit - 4 pp/py
SureCare Plus: per visit - 6 pp/py

$50

$50

$75

$75

$100

Routine Well Child
(per visit - no family limit)

$50

$50

$75

$75

$75

Diagnostic/X-Ray/Labs
(per visit - 3 pp/py - 1 of which may be for wellness care - no family limit)

N/A

$50

$100

$125

$125

Emergency Room
(per visit - 4 py - no family limit)

$50

$100

$150

$250

$250

Generic Prescription Card
$10 or 50% co-pay

Included

Included

Included

Included

Included

Hospital Benefits

First Hospital Confinement
SureCare 250, 500, 750, & 1000: amount shown up to 1 day
SureCare Plus: amount shown up to 3 days

$250

$500

$750

$1000

$1000

Hospital Income
(max. 30 days per confinement - no family limit)

$250

$500

$750

$1000

$1000

Mental Illness Benefit
(max. 10 days per confinement - no family limit)

$125

$250

$375

$500

$500

Alcohol and/or Drug Abuse Benefit
(max. 10 days per confinement - no family limit)

$125

$250

$375

$500

$500

Convalescent Facility
(max. 20 days per confinement in a convalescent facility following within 3 days of hospitalization of at least 3 days - no family limit)

$125

$250

$375

$500

$500

Intensive Care Unit
(max. 10 days per confinement - no family limit)

$500

$1000

$1500

$2000

$2000

Surgery Benefits

Outpatient
(per visit - 1 pp/py - no family limit)

N/A

$400

$400

$800

$800

Inpatient
(per visit - 1 pp/py - no family limit)

N/A

$1000

$1000

$2000

$2000

Accidental Medical Benefits/Accidental Death & Dismemberment Benefits

Accident Medical Benefit (per occurrence)

$2,000

$2,000

$2,000

$2,000

$2,000

Accidental Death Benefit

$10,000

$20,000

$30,000

$40,000

$40,000

HOMELAND VALUE BENEFITS*

Consult A Doctor

Included

Included

Included

Included

Included

Homeland Lab & Imaging program

Included

Included

Included

Included

Included

Homeland Wellness Panel & Lab Benefits

Included

Included

Included

Included

Included

Critical Illness**

N/A

$2,500

$5,000

$5,000

$10,000

Vision Care Program***

Included

Included

Included

Included

Included

* Homeland Health Care Value Added Benefits Program is neither underwritten nor provided by Markel Insurance Company.
** Critical Illness is underwritten by Continental American Insurance Company. Pays amount shown for any of the following: cancer, heart attack, stroke, major organ transplant, and renal failure. Spouses covered at 50% and children covered at 10% of the amount shown. Includes Additional and re-occurrence benefits.
*** Vision Care Program is underwritten by National Union Fire Insurance Company of Pittsburgh, PA.

I do not want to go over all the benefits right now. This plan has dental, vision, the ability to speak with a doctor 24 hours a day, seven days a week. It has emergency room benefits for sickness and not just accidents like most plans. I could go on and on.

It is the best plan of its type we have ever come across (no claim problems which is more than I can say for other plans of this type) and we have been doing this a long time. Many of the competing plans in the marketplace were designed by us for other companies so we know what we are talking about.

If you want more information use this link, Guaranteed Issue Tennesse Health Insurance Plans, read over the details and then call us with questions. You can enroll directly online with the aforementioned link.

Call us at 800-272-0512 Monday - Friday from 9 AM to 8 PM EST.

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