Need help choosing the right health insurance plan in Hendersonville, TN?
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 Hendersonville, TN
At Custom Health Advisors, I specialize in helping you navigate the complicated American Healthcare System so you can understand what your options are, and what the best coverage for you, your family, or your business might look like. From individual and family plans, business plans, and coverage for those who are self-employed or travel professionals, I am here to help you find the right type of coverage for your unique situation. Call Luke Somerfield in Hendersonville, TN, today at 615-988-8700 for a free consultation.
Testimonials
How Big is The U.S. Health Insurance Market?
The United States Health Insurance Market is vast and offers many choices to fit American’s different types of situations. It’s divided up into 5 different segments:
Employer benefits plans
Public Obamacare/ACA Marketplace
Private Insurance Market
Medicare for those disabled or 65 and older
Each state offers Medicaid for those that qualify based on their income
What Do Most Americans Pay for Health Insurance?
How much does health insurance cost
The cost varies based on where you live, your age, and the type of plan you choose. Many people get health insurance through their jobs, which means the individual and the employer share the cost.
Some buy plans directly from insurance companies, and others may qualify for government programs that help cover costs. No matter how you get it, health insurance is important because it helps you pay for doctor visits, medicines, and treatments without having to worry too much about the expense. Knowing you're covered if you ever get sick or hurt gives you peace of mind.
What is The Monthly Cost of Health Insurance in TN?
The monthly cost of health insurance in Tennessee can vary depending on factors like your age, the type of plan you choose, and whether you qualify for financial assistance. Many Tennesseans get health insurance through their jobs, where employers often help with the cost. If you buy insurance on your own, prices can range widely based on the coverage level you need.
People might qualify for lower-cost plans through government programs like TennCare or by getting subsidies on the Health Insurance Marketplace. With the help of a health insurance agent from Custom Health Advisors in Hendersonville, TN, explore your options and find a good health plan. Remember, having health insurance provides peace of mind, knowing you're covered for medical expenses when you need care. Call us today for a free consultation.
Plans We Offer
Individual and Family
Private Market Plans
Private market health plans require applicants to be healthy and complete an application process. They have nationwide PPO networks and allow flexibility in the structure of the plans. Some plans guarantee renewal until age 65. These plans also provide extra benefits like:
accident coverage
critical illness protection
dental and vision care
life insurance
short-term disability benefits
Most plans pay for X-rays, prescriptions, preventive services, chiropractic care, urgent care, primary care or specialist visits, and lab tests. Short-term plans are available for individuals needing coverage for one to six months.
Public Market Plans
Public state marketplace plans, known as "Obamacare," cover mental health services, pre-existing conditions, and maternity care. They can be costly. The government offers subsidies based on household size and income to make them more affordable. You must pay the full cost if you earn above a certain amount.
You can enroll from November 1st to December 15th each year, with special enrollment periods for events such as changing jobs, losing coverage, moving, or having a child. These plans are limited to your state or region and usually have smaller networks like Exclusive Provider Organizations (EPOs) or Health Maintenance Organizations (HMOs). Our team of Hendersonville, TN, Health Insurance agents can help you navigate these Marketplace plans.
2. Business
Individually Underwritten Plans
We offer underwritten plans that are customized for each person, which means every employee needs to have a consultation. These plans provide more personalized options and can be cheaper. Some employers choose to give a stipend to help pay for individual health insurance premiums. These plans usually need less involvement from the employer and give employees more choices.
Guaranteed Issue Plans
Guaranteed issue plans, like the ones offered by employers, provide complete coverage. They include:
Pre-existing conditions
Expensive medications
Maternity care
Sometimes, mental health services
Premiums are usually higher for smaller businesses. These plans also need more involvement from the employer.
3. Plans for Travel Professionals
Having comprehensive health insurance is essential for travel professionals. Doctors and nurses, truck drivers, sales representatives, consultants, and contract workers are examples of travel professionals who face challenges accessing healthcare while on the road. Constantly being on the move means you need assurance you can get care anywhere in the United States.
With a nationwide network of doctors and healthcare providers, you can trust you'll get the care you need whenever and wherever you need it. Our agents can help you find the best coverage for your needs, starting with a brief discussion about your current situation. It's all about getting the plan that's best for you.
Frequently Asked Questions About Health Insurance
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Here's a breakdown of different types of health insurance plans:
HMO - Health Maintenance Organization: a limited group of providers in your area accepts this type of insurance. You usually need help getting coverage out of state. Plus, you need a referral from your primary care provider to see a specialist.
EPO - Exclusive Provider Organization: These networks are similar in size to HMOs. You must use doctors and hospitals in the network, but you don't usually need a referral to see a specialist.
PPO - Preferred Provider Organization: These plans are widely accepted by most providers, giving you the most freedom to choose your doctors. They are common with large employer groups and private plans, often allowing you to see doctors nationwide.
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The time it takes to enroll or apply for health insurance depends on the plan. For individual or family coverage through the private market, it usually takes one to five business days for coverage to start.
In some cases, it can take up to 30 days or more. Most plans let you enroll and set a start date up to 60 days in the future, which helps us find the correct plan for you before your current coverage ends so you don't have a gap in coverage.
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Healthcare in the United States operates as a for-profit system, meaning people are billed for the medical services they receive. Most healthcare providers will only see patients with health insurance. Accidents and sudden illnesses can lead to very high medical bills, even for something as simple as a slip and fall or conditions like appendicitis or pneumonia.
Major illnesses like cancer, heart attacks, or strokes cost an overbearing dollar amount. Insurance helps protect you from these high costs throughout your life. A Custom Health Advisors health insurance agent in Hendersonville, TN, is here to assist you in choosing the health insurance that fits your phase of life.
Why Work with Custom Health Advisors
At Custom Health Advisors, we help people in Hendersonville and across Tennessee with personalized health insurance advice. With 15 years of experience, we know a lot about insurance options and can help you find the right plan. Our team listens to your concerns and guides you through the complex world of insurance. Whether you need coverage for yourself, your family, or your business, we offer custom support to find the best solutions. You can count on us to look out for your health and well-being, giving clear advice and responsive service every step of the way.
Contact Us
If you are struggling to find good health insurance, don't worry. A Hendersonville, TN, health insurance agent at Custom Health Advisors can help. We will guide you through the American healthcare system and find the best coverage for you. We will support you throughout your health insurance journey. Contact us today at 615-988-8700 to schedule a free consultation.