Tennessee Health Insurance Policies

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Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you have the right to buy a guaranteed issue individual health insurance policy from any insurance company that sells such plans in Tennessee. Note:

• Since these plans may be expensive, state law requires the insurer to offer two plans of coverage based on a higher and lower level of benefits
• Tennessee prohibits any pre-existing condition waiting periods or elimination riders

HIPAA Eligibility

To be HIPAA eligible in Tennessee, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does coverage cost?

Premiums vary based on the plan chosen, geographic area of residence, age and gender. To view a list of insurance companies offering individual HIPAA plans, click on Tennessee Insurer List. Click here to view a list of insurance companies offering individual HIPAA plans.

Typical Coverage Highlights

Details about a Guaranteed Issue individual health insurance plan from Blue Cross Blue Shield can be found by clicking on Simply Blue Guaranteed Issue.

How can I be insured in Tennessee?

For more information, visit the Tennessee Department of Commerce & Insurance online at www.state.tn.us/commerce/contact.html, or call (800) 342-4029 or (615) 741-2241.

Special insurance for children: Cover Kids

A family of four making up to $51,625 a year may be eligible for Cover Kids.

• Do you qualify? Visit Eligibility
• To discover what's covered view Benefits Information
• Questions? Call (866) 311-4287