Nashville Health Insurance Plan
Many individuals, groups and businesses need affordable health insurance plans. With so many options on the market, where does one turn to for a health insurance plan in Nashville? Shouldn't everyone be entitled to an affordable health insurance plan in Nashville, TN? What alternatives are there for business, group and self employed individuals looking to buy helath insurance plans? Many questions arise in relation to finding the right health insurance coverage that fits your needs.
There are a number of people who need health insurance. Including:
- Individual or Single Person Health Insurance Policies
- Student Health Insurance Plans
- Family Health Insurance Plans
- Group Health Insurance Plans
- Self-Employed Health Insurance Policy
People from all walks of life need health coverage in the city of Nashville / Davidson County. If you are seeking to purchase a health insurance plan in Nashville, click on one of the links above or call the number below for more information.
Different Types of Health Insurance Plans
When seeking to purchase a privatized health insurance policy, there are 4 common health plan choices.
HMOs (Health Maintenance Organizations)
An HMO is a network of doctors and hospitals that emphasizes preventative care and early treatment. When joining an HMO, all care is prepaid instead of paying for each medical service provided. A person will also choose a "primary care physician" from a list of doctors who will make arrangements for their care (women will also be able to choose an OB/GYN physician).
HMO's generally feature lower premiums, low or no deductibles and low co-payments when seeking care for in network doctors, hospitals, physicians, etc. If a patient seeks care out of their network, their medical care may not be covered under their insurance plan.
PPOs (Preferred Provider Organizations)
PPOs are arrangements with independent medical practitioners and hospitals within a certain area and agrees to provide care to to members at a predetermined cost. Members of a PPO may seek care from in or out of the organization, but costs may be much higher out of network or possibly not covered at all. With a PPO plan, members need not to choose a primary care physician.
PPO members are more concerned about access to specialists than HMO members. PPO members will pay more out-of-pocket compared to an HMO, especially if the care is out of network and more for co-payments. In a PPO plan, generally the insured will need to fill out paperwork and filing claims.
A point-of-service plan is a combination of an HMO and PPO. A member is required to choose a primary care physician. This physician that is chosen within the network, will become the insureds point of service. Care is taken care of inside network, but only a portion of medical care may be paid if out of network.
If you receive care inside the network, paperwork will be taken care of, but if care is sought outside of network the paperwork will be the insureds resposibility.
These types of plans are initiated by employers and may or may not have any contribution.
- Cafeteria Plans
- Medical Savings Accounts (MSAs)
- Flexible Spending Accounts
- High Deductible Health Plans
- Health Savings Accounts
- Health Reimbursement Arrangements
Health Insurance In Nashville Is Needed
Health insurance policies are needed for every person in the Nashville area and the state of Tennessee. There are over 625,000 residents in the Nashville-Davidson County area. No one can predict when an accident, injury or illness will occur in their life. It is better to be protected with a proper health insurance plan that fits the clients needs.
For low income children, parents, women who are pregnant, the elderly and the disabled, the Tennessee Medicaid program TennCare may be a viable option. Medicaid should not be confused with Medicare. Medicare is a program funded and ran by the federal government for citizens over the age of 65 and some disabled adults.