Tennessee, known for its country music and scenic beauty, is facing a pressing issue. Despite its industrialization, there’s a significant gap in healthcare services due to the need for health insurance coverage. A recent report revealed that nearly 95,000 adults in the region don’t have basic health insurance.
Therefore, Tennessee residents must secure cheap and comprehensive insurance. With several state service providers, residents can evaluate their needs and choose the insurer that best meets their requirements. Let’s explore securing cheap health insurance in Tennessee.
Why You Need Health Insurance in Tennessee
It would be unwise for Tennessee residents to depend entirely upon medical aid provided by the government to meet their health-related requirements. With insurance, many residents can avoid poor healthcare outcomes, including higher rates of chronic conditions and insufficient preventive care.
This gap could be even worse for ethnic minorities and economically weaker sections of society. Hence, irrespective of your background, it is highly advisable to have comprehensive health insurance coverage so that you do not end up being broke at the time of an ailment.
Beem
Beem is an innovative company offering personalized and transparent insurance solutions. Leveraging advanced technology, Beem aims to simplify the insurance process and provide tailored coverage to meet each customer’s unique needs.
How to Find Health Insurance in Tennessee
Now, when you are looking to reduce the gap in your health insurance coverage or are struggling to find an option that can cater to your and your family’s health insurance needs, the best thing would be to try Beem, a platform that helps you get tailor-made solutions.
Beem aggregates various insurance plans, allowing you to compare options and choose the best coverage for your needs.
How to Shop for Health Insurance on Beem
Here are the steps that you need to follow to shop for health insurance on Beem:
- Visit the Beem website and create an account.
- Enter your details, such as age, income, and family size.
- Browse through available plans filtered by your criteria.
- Compare the plans based on coverage, monthly premiums, and out-of-pocket costs.
- Select and apply for the plan that best fits your needs.
Comparing Plans: Decoding Costs and Coverage
Suppose you are in Tennessee looking for cheap health insurance premiums that provide better coverage and make you financially secure. In that case, it is critical to understand the different inclusions, costs, and coverage in a plan.
Here’s what you must consider:
- Monthly Premiums: The amount you pay each month for coverage. Lower premiums are attractive but also mean limited coverage and high deductibles.
- Deductibles: The amount you pay out-of-pocket before insurance kicks in.
- Co-Pays and Co-Insurance: Your share of costs for services.
- Network Coverage: Ensure your preferred doctors and hospitals are in-network.
- Maximum Out-of-Pocket Costs: The most you’ll pay in a year, protecting you from excessive expenses.
Read Related Article: Cheap Health Insurance in Pennsylvania.
Top Cheap Health Insurance in Tennessee
Even though Beem will help you find out and select the most comprehensive and cheapest health insurance alternative, here is a list of the best and most affordable health insurance alternatives in Tennessee:
Ambetter from Tennessee
Ambetter offers customizable insurance coverage with various plans to fit different needs. However, it has mixed reviews regarding customer service and coverage reliability.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Low premiums, telehealth services | Poor customer service, high claim denial | $525 | $5,400 | $1,450 – $8,400 |
BlueCross BlueShield of Tennessee
BlueCross BlueShield provides comprehensive coverage with a strong network of healthcare providers, making it a reliable option for many Tennesseans.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Wide network, reliable coverage | Higher premiums | $480 | $3,000 – $6,000 | $1,000 – $5,000 |
MagnaCare
MagnaCare is known for its competitive pricing and extensive coverage options, which cater to a wide range of medical needs.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Affordable, good for basic needs | Limited plan options | $450 | $4500 | $2,000 – $4,000 |
Read Related Article: Cheap Health Insurance in South Carolina.
Coventry Health
Coventry Health offers balanced coverage options with reasonable premiums, ideal for individuals seeking moderate coverage.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Balanced coverage, moderate premiums | Limited specialist availability | $460 | $4200 | $1,800 – $4,500 |
UnitedHealthcare of Tennessee
UnitedHealthcare is recognized for its robust network and extensive coverage options, making it a top choice for comprehensive care.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Extensive network, comprehensive coverage | Higher deductibles | $490 | $5000 | $2,500 – $5,500 |
Paramount Advantage
Paramount Advantage offers specialized plans focusing on preventive care and wellness programs.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Focus on wellness, preventive care | Limited nationwide coverage | $470 | $4,300 | $2,200 – $4,800 |
Oscar Health
Oscar Health provides modern, tech-friendly plans with competitive pricing and good customer service.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Tech-friendly, good customer service | Limited physical locations | $500 | $4800 | $1,600 – $4,500 |
Cigna
Cigna is a reputable provider with various plans catering to different health needs and budgets.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Comprehensive plans, good benefits | Higher premiums | $510 | $5,100 | $2,000 – $5,000 |
Humana
Humana offers affordable plans focusing on customer satisfaction and a wide range of coverage options.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Affordable, good customer service | Limited coverage options | $480 | $4600 | $2,200 – $4,800 |
Aetna
Aetna provides reliable coverage with various plan options, making it a solid choice for comprehensive health insurance.
| Pros | Cons | Monthly Costs | Out-of-Pocket Costs | Deductibles |
| Reliable coverage, various options | Higher premiums | $520 | $5300 | $2,500 – $5,500 |
Read Related Article: Cheap Health Insurance in South Dakota.
Conclusion
Choosing the right health insurance plan in Tennessee involves carefully considering costs, coverage options, and additional benefits. With various providers offering unique pros and cons, comparing plans is essential. Beem simplifies this process by allowing you to browse, compare, and select the best health insurance plans tailored to your needs. Using Beem ensures you make an informed decision that balances affordability with comprehensive coverage.
FAQs
Who has the lowest health insurance rates in Tennessee?
While there are several affordable options, Ambetter offers some of Tennessee’s lowest health insurance rates and competitive pricing on various plans. You can use Beem to compare and decide if you feel confused between the options.
How to get free health insurance in Tennessee?
Individuals may qualify for TennCare, the state’s Medicaid program, to get free health insurance in Tennessee if they meet specific income and eligibility requirements.
Who has low deductibles and out-of-pocket costs in Tennessee?
Deductibles and out-of-pocket costs are major considerations when seeking an affordable insurance option. The lower the deductibles and out-of-pocket costs, the better the plan. In Tennessee, Oscar Health offers plans with low deductibles and out-of-pocket costs.
