Need help choosing the right health insurance plan in Brentwood, TN?
Our healthcare system is confusing, and trying to find a health insurance plan that’s affordable, and has the benefits you want can be really challenging. At Custom Health Advisors, that’s what I specialize in. I’ll take your needs into consideration and never push any specific products or carriers. We will always have a transparent and collaborative conversation about your options and what might make the most sense for you and your situation.
If you are having trouble finding insurance or navigating the healthcare system, contact Luke at Custom Health Advisors today to schedule a free consultation, without any sales pressure.
Health Insurance Agent Brentwood, TN
Luke Somerfield, owner of Custom Health Advisors, can help you understand the complexities of the American Healthcare System and find the best coverage for yourself, your family, or your business. Whether you need individual and family plans, business plans, or coverage for travel professionals, I’m here to help. Contact me in Brentwood, TN me today at 615-988-8700 for a free consultation.
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Is Health Insurance Available in Tennessee?
Health insurance is accessible in Tennessee through private insurers, employers, the health insurance marketplace, and the state medicaid office, offering lots of options for Tenneessean’s different situations.
Whether you're seeking coverage for yourself, your family, or your business, there are customizable plans available with benefits like doctor visits, prescriptions, hospitalization, and preventive care. I will explore these options thoroughly with you, so we know that we are looking at plans that fit your needs and your budget. Give me a call today, so we can discuss what you’re looking for, and how I can help.
Health Plans Offered by Custom Health Advisors
1. Individual and Family
Private Market Plans
Private market health plans require applicants to be in good health and to complete an application process. They include nationwide Preferred Provider Organization (PPO) networks and offer flexible plan designs, with numerous deductible options, co-insurance, and upfront benefits. Some plans offer guaranteed renewability until 65, allowing an insured to remain on one plan throughout their adult life, regardless of their claims history. These plans also offer extra benefits like short-term disability benefits, critical illness coverage, dental and vision care, accident protection, and life insurance.
Most plans cover upfront costs for the following healthcare services like:
primary care or specialist visits
prescriptions
X-rays
lab services
urgent care
chiropractic care
preventive care
Short-term options are also available for individuals needing coverage for one to three months.
Public Market Plans
"Obamacare" state marketplace plans cover pre-existing conditions, mental health services, and maternity care. They can be expensive, but the government offers subsidies based on household size and income to help make them more affordable for some families. Those who earn above the threshold to receive a tax credit are required to pay the sticker price of the plan.
Open enrollment for these plans is from November 1st to January 15th every year. Special enrollment periods are available throughout the year for life events like changing jobs, moving, having a child, marriage or divorce, or losing coverage. These plans are usually limited to your state or region and often have smaller networks like Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). As a certified Marketplace Broker, I’m happy to walk you through these options and answer any questions you may have.
2. Business
Individually Underwritten Plans
Individual underwritten plans customized for each client, requiring a consultation with every employee. These plans provide more personalized options and are often much more affordable for the employer. Employers can provide a stipend to help with the insurance premiums, which make the employee’s payment lower cost. Often, a Win-Win for everyone. These plans require less involvement from the employer, don’t require a minimum percentage of enrollees, and provide more options to choose from.
Guaranteed Issue Plans
Guaranteed issue plans are the more traditional insurance policy offered through larger employers, and provide comprehensive coverage. This often includes mental health services, expensive medications, maternity care, and coverage for pre-existing conditions. Premiums are higher for smaller businesses, and these plans also require more employer participation, and a minimum number of enrollees to maintain eligibility.
3. Plans for Travel Professionals
Comprehensive health insurance helps travel professionals, including consultants, sales representatives, truck drivers, contract workers, doctors, and nurses, who have trouble accessing healthcare while on the road. Constant travel requires assurance that you can get care anywhere in the United States.
As part of a nationwide network of doctors and healthcare providers, you can be confident you'll get the care you need, when and where you need it. I always begin my consultations with a quick discussion about your current situation, and what your needs are to help find coverage that’s the best fit for you. It’s all about what YOU need. If you’re in Brentwood, TN and would like to speak about what options are best for you, give me a call today.
What Does Point-of-Service Plan (POSP) Stand For?
A Point-of-Service Plan (POSP) is a type of health insurance plan that gives you flexibility when choosing doctors and hospitals. With a POSP, you pick a primary care doctor from the plan's network. This doctor will manage your healthcare and refer you to specialists if needed.
Unlike some other plans, a POSP also allows you to see doctors and specialists outside the network, although it might cost more. This plan combines features of both Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs), giving you a balance of control and choice in your healthcare.
With a POSP, you have a primary care doctor who coordinates your care, but you can also see out-of-network providers. This can be especially helpful if you need specialized care that isn't available within the network.
FAQs on Health Insurance
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If you get a job that offers health insurance while you already have Marketplace insurance, your Marketplace coverage won't stop automatically. In most instances, a policy-holder can cancel their coverage whenever they want. You can choose to keep your Marketplace plan or switch to the insurance from your new job. It's important to tell the Marketplace right away if you decide to switch so they can update the policy accordingly.
If you’ve started a new job, you might qualify for a Special Enrollment Period (SEP). This lets you sign up for a new plan or make changes to your current one, even if it's not during open enrollment. Whether you keep your Marketplace plan or switch to your job's insurance, I can go over your different coverage options, and recommend which course of action may be the most beneficial.
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If your health insurance claim was denied, it might be because the treatment or service wasn't covered by your plan or there was missing information or errors in the claim. Don't worry—there are steps you can take to address this.
Start by reviewing your insurance policy with your agent or broker to see what is covered. If you believe the denial was a mistake or if you think the service should be covered, you can always appeal the decision. This involves submitting more information or asking your doctor to support your claim.
Your insurance company should provide instructions on how to appeal. You can also contact them directly or seek help from a healthcare advocate or professional advisor if needed. Remember, you have the right to challenge a denial and explore options to get the coverage you deserve.
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Some health insurance plans renew automatically, this can be a good choice for self employed individuals, and folks who are busy. It ensures that your coverage continues without you having to remember to renew it each year. This way, you avoid any gaps in coverage that could leave you unprotected if you need medical care.
Automatic renewal also saves you time and effort, as you won't need to fill out paperwork or make calls to renew your plan. Review your plan each year to make sure it still meets your needs and fits your budget. If your health or financial situation changes, you might want to consider comparing other plans during the open enrollment period to ensure you have the best coverage for you.
Great Experience Working with CHA
If you’re confused by our healthcare system, or are struggling with finding the best coverage for your situation, don’t worry. I can help guide you through your options, explain the pros and cons of each, and recommend what may be the best policy for your needs. Contact me today at 615-988-8700 to schedule a free consultation.
Get in Touch
If you’re confused by our healthcare system, or are struggling with finding the best coverage for your situation, don’t worry. I can help guide you through your options, explain the pros and cons of each, and recommend what may be the best policy for your needs. Call or text today at 615-988-8700 to schedule a free consultation.