Need health insurance in Nashville, TN?
Are you looking for help choosing the right health insurance in Nashville, 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 Nashville
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, a health insurance agent in Nashville, TN, today at 615-988-8700 for a free consultation.
Testimonials
Finding the Right Plan Is Tougher Than Ever
Since the implementation of the Affordable Care Act, finding the right health insurance plan is harder than ever before. According to the American Hospital Association, over 28 million people don't have insurance. With so many plans out there offering different coverage, premiums, and network rules, it can be confusing to pick the right one. New regulations and constant changes in healthcare add to this problem. Many people don’t know what each plan covers or which one best fits their needs. It can be hard to find a plan that's both affordable and comprehensive.
At Custom Health Advisors, I understand these challenges. I’ll explain your options in simple terms and guide you through the process, answering any questions you have and ensuring you find a plan that fits your needs and budget. As a health insurance agent in Nashville, TN, I specialize in taking the stress out of choosing the right health insurance plan for you and your family.
How Much Does Health Insurance Usually Cost in Tennessee?
Health insurance costs in Tennessee can vary depending on the plan and coverage you choose.
Depending on your age, zip code, income, and the carrier, individual plans can range from approximately $100/month to around $600+ for those in their 50’s and 60’s. Family plans, on the other hand, can range from roughly $300/month to over $1,200, depending on the size and age of your family. It really just depends on what you’re eligible for, as everyone has their own unique circumstances.
The cost also significantly depends on factors like age, location, health history, and whether you qualify for any gov’t subsidies offered through the marketplace. Depending on your income, some people pay less than $100/month for coverage on the Marketplace, while those that make a higher income, will pay more. Younger people will pay less for insurance, while older adults will pay higher monthly premiums. There are health-based plans as well as income-based plans, so lots of factors will determine the cost. At the end of the day, how you utilize healthcare will determine the type of insurance coverage that makes the most sense for your situation. There is no “1 Size Fits All” plan out there.
Plans come with different levels of coverage, often labeled in the tier system of bronze, silver, gold, and platinum. The lowest-level bronze plans have higher out-of-pocket costs and lower monthly premiums. On the other hand, gold or platinum plans have lower out-of-pocket costs but have higher monthly premiums.
As a health insurance agent in Nashville, TN, I love helping people in the area understand what their options are, explaining how the healthcare system works, and helping them choose the perfect plan for their needs.
Do Employers in Tennessee Have To Provide Health Insurance?
In Tennessee, whether an employer has to provide health insurance depends on the organization's size. Businesses with 50+ full-time employees, or an applicable large employer, must offer health insurance to their workers. This rule ensures that larger companies provide essential health benefits to their employees.
Small Businesses aren’t required to offer insurance if they have 49 or fewer employees, but many choose to offer insurance benefits to attract and retain their top employees. I specialize in helping these smaller employers find the right insurance policies for their particular business. One way I can help small businesses is by working with their employees one-on-one, which allows the employee to find the best coverage for their needs, and the employer can choose to provide a stipend to help with the cost, which is often a much lower spend for the business, and takes the administration and renewal process off the plate of the owner/manager so they can focus on running their business.
If your employer doesn't offer health insurance, I can help you shop the private market or enroll in coverage through The Marketplace. My passion is educating you about your options and helping you find the best option for your situation. Call me, a Nashville health insurance agent, today for a free consultation.
Common Health Insurance Questions
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A deductible is your buy-in amount before the insurance company takes over the majority / remainder of the remaining medical bills. Most plans have major medical deductibles ranging from $3,000-$10,000.
Coinsurance - once the deductible is met, the insurance company splits charges with the policyholder at an agreed-upon percentage until you hit a certain #, which is called an out-of-pocket maximum, or a max out-of-pocket. These options are often 80/20, 70/30, 60/40, 50/50, with the ins. company paying the larger portion of the split.
The out-of-pocket maximum is the most an insured would spend on covered medical expenses in a calendar year. After you reach this limit, your insurance pays the remainder of covered expenses for the rest of the year.
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A High Deductible Health Plan (HDHP) is a higher deductible plan. This means you pay more out-of-pocket costs upfront before the insurance company starts to pay its share. HDHPs usually have lower monthly premiums, and often are a good fit for those in good health, who rarely use medical services.
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Individuals can find health insurance through several avenues. Often the best way to find insurance is to directly contact an insurance broker to explore plans. Since they represent more than one insurance company, brokers can help you shop multiple different options, rather than only showing you plans from one company. Essentially, there are 5 avenues to get health insurance:
Through your Employer
Through the State Marketplace/Obamacare
Through the Private Market
Through the State Medicaid or the Children's Health Insurance Program (CHIP) based on income and other factors.
Federal Medicare Program for those who are 65 and older, or physically disabled.
Plans CHA Offers
1. Individual and Family
Private Market Plans
Private market health plans require applicants to be in relatively good health and go through an application process for the better plans. They feature nationwide Preferred Provider Organization (PPO) networks and provide flexibility in plan design. Some plans even offer guaranteed renewability until age 65. These plans also include valuable supplemental benefits such as accident protection, critical illness and hospital stay coverage, dental and vision care, life insurance, and short-term disability benefits.
Most private plans cover upfront costs for primary care or specialist visits, prescriptions, X-rays, lab services, urgent care, chiropractic care, and preventive care.
Short-term options are also available for individuals needing coverage for one to six months, typically. These plans often have good benefits for new medical needs, but often have limitations regarding pre-existing conditions.
Public Market Plans
Public state marketplace plans, also known as "Obamacare," include “minimum essential coverage” for healthcare, pre-existing conditions, maternity and mental healthcare. Due to this “all-inclusive” nature, they are expensive. Depending on your household size and income, some people qualify for subsidies that can make the cost more affordable. Those earning above a certain amount must pay the “sticker price” of the plan.
Enrollment is open from November 1st to January 15th each year, with special enrollment periods for events like moving, changing jobs, losing coverage, or having a child. These plans are limited to your state or region and usually have smaller networks like Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). I am a licensed Marketplace Broker and a health insurance agent in Nashville.
2. Business
Individually Underwritten Plans
I offer underwritten plans that are tailored to each individual, requiring a consultation with every employee. These plans provide more customized options and can be more affordable. Some employers choose to give their employees a stipend to help with individual health insurance premiums. These plans generally require less involvement from the employer and give employees more choices.
Guaranteed Issue Plans
Guaranteed issue plans, like those offered by large employers, provide comprehensive coverage, which may include:
pre-existing conditions
costly medications
maternity care
mental health services
Premiums tend to be higher for smaller businesses. These plans also require more employer participation.
3. Plans for Travel Professionals
Having comprehensive health insurance coverage is important for any travel professional. Healthcare practitioners such as doctors and nurses, truck drivers, sales representatives, consultants, and contract workers face unique challenges accessing healthcare while on the road.
With a nationwide network of doctors and healthcare providers, you can be confident you'll receive the care you require whenever and wherever you need it. Starting with a brief discussion about your current situation, I, a health insurance agent in Nashville, TN, can assist you in finding the best coverage for your needs. Ultimately, it's about getting the plan that's right for you.
Benefits of Working with Custom Health Advisors
At Custom Health Advisors, I pride myself in providing transparent and collaborative consultations. I value your time, and will always provide useful, straightforward information, without a sales pitch. I also provide all my clients support after the sale, and will remain your initial point of contact for your policy going forward! At Custom Health Advisors, I can be your 1 stop shop for all things healthcare or insurance-related. And since I’m licensed in 30 states, I can help folks nationwide.
Transparent, collaborative consultations. Useful information without a sales pitch. Timely, efficient, and informative communication. Support after the sale - You have an agent you can call if you need anything, not just an 800#. A 1-stop shop for all healthcare and insurance-related questions. Licensed in 30 states, so I can assist nationwide.
Contact Custom Health Advisors
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.