Plans from  $79.50 to $259.00                   Next Day Effective Date Available     

  • In-Hospital Daily Indemnity - Choice of $500, $750, $1,000 or $1,500 per day
  • Surgery, Anesthesia, Lab, X-Ray, Wellness, Emergency Room and Ambulance benefits
  • Doctor office visits - Choice of $25, $50 or $75 per visit benefit
  • $2,000 Accidental Injury Medical Benefit
  • $10,000 Accidental Death and Dismemberment
Guarantee Issue
Medical Plans
for Individuals and
Small Groups

NO MEDICAL DECLINES
We are licensed Tennessee insurance agents

Serving Nashville, Memphis, Jackson, Knoxville, Oak Ridge, Murfreesboro, Clarksville, Chattanooga and all other Tennessee cities.

1-888-207-8368                   
Contact Us                                                                                                                      Privacy Statement
Diabetic?
We will accept you!
No decline for Pre-existing
conditions however, some
companies have a 12 month
waiting period before coverage
begins for pre-existing
conditions.   Ask your agent for
more details on how each
company will cover you.
Disclaimer:  These plans are not major medical health insurance plans. Various plans are available. Please read the appropriate brochure for the
details of the plan that you are choosing. There are insured health benefits that are limited to benefit ceilings as disclosed on the lead insurance companies do
not recognize indemnity plans as continuing creditable coverage.   We recommend speaking with your agent prior to applying for any indemnity plans.

                               TennHealth recommends a major medical plan before you choose an indemnity plan.
Guarantee Issue Plans
(Mini-Meds)
Call 888-207-8368
for a LIVE AGENT from Tennessee
waiting to talk to you.
                                                                           Starting at $40.00
                                                                                             Our lowest priced plan

  • 10 Doctor Office visits per calendar year for each insured adult and up to 5 per calendar year for all insured children combined. Doctor Office
    visits are limited to one per week.   -   $75 per visit

  • Hospital Outpatient Visits  Pays for Doctors treatment, medical supplies, x-ray and lab tests. Outpatient Benefit maximum per calendar year is
    $1,000 per insured and $1000 for each covered child.   -  Up to $250 per visit

  • Ambulance Services Pays ambulance expense per sickness or accident    -   $200 maximum per sickness or accident

  • Hospital Confinement Select $1000, $500 or $100 per day, beginning on the 1st day of hospital confinement, up to 365 days.
Even though FirstChoice is a Hospital Indemnity plan, the benefit packages may have many outpatient benefits as well. The plan will pay all covered surgical
benefits, IN or OUT of the Hospital, as often as you may need them. The same holds true of the accident benefits, and the Outpatient Sickness Rider, when it is
included in the plan design of your choice!

All of FirstChoice’s packages are GUARANTEED ISSUE for full-time employees ages 18-64. This means anyone in that age range, including their spouse and
dependents, can choose this plan if they hold employment for an average of 30 plus hours a week. FirstChoice will not cover any pre-existing conditions for the
first 12 months.    Diabetics are accepted with this plan
Silver Plan..............$85.24
Gold Plan..............$156.71
Platinum Plan......$217.63
Our best paying Hospital Indemnity Plan
 Guaranteed-acceptance**– No medical questions/exams required
 Low cost – Plans start as low as $94 per month
 Freedom to choose any provider

Benefits include:
  • Doctor Office Visits
  • Wellness Visits
  • Emergency Room Benefits
  • Hospital & Surgery Benefits
  • prescription discount card and more!
No waiting period for pre-existing conditions*
** Based on eligibility (age, member of AUIC, and state availability)
* 12/12 Pre-Existing Condition Limitations apply to Hospital, ICU, Surgery and Anesthesia benefits, no waiting period for doctor visits.
Features - Limited Medical Insurance
(What limited medical insurance IS)
Features - Major Medical
(What limited medical insurance is NOT)
Good Front-End Coverage
> 100 percent first dollar coverage for most benefits
> Provides medical coverage for basic health issues
> Go to any doctor

No Underwriting
> A guaranteed issue program - no eligible member will be        
   turned down
> Next-day coverage available*
> No medical questions or exams required
> Pre-existing conditions accepting following a 12-month           
   waiting period  Some companies have no waiting period.

    Ask your agent which plans do not have a waiting period.

Rates
> Plans are not-age rated; rates are the same for                      
   everyone based on state
> Rates are based on group demographics
Comprehensive Coverage; High Limits
> Typically $1 million to unlimited maximum coverage
> Great for major illness and accidents

Typically High Out-of-Pocket Costs
> Deductibles
> Co-insurance
> Co-pay


Extensive Underwriting to Qualify
> Underwriting time can take up to 60 days
> Not available to many people with certain pre-existing              
   conditions.

Rates
> Rates are determined by age, sex, location, and other             
   demographic characteristics
> Typically costly even for healthy individuals
These plans provide Guaranteed Acceptance coverage for your basic medical needs – helping to provide a medical option for
people who do not have the luxury of being covered by a comprehensive health insurance plan. Often time's access to major
medical coverage is restricted because of its higher cost. In such situations, these plans are a valuable option.

The difference between major medical and limited medical insurance...

Major Medical - plans typically cover a broad range of healthcare needs and are usually effective in covering serious illness or injury where health
care costs are high. Major medical plans usually have a set amount, or deductible, for which the patient is responsible. Once that is paid, the plan
covers most of the remaining cost of care, subject to co-pays or co-insurance paid by the patient.

Limited Medical  - plans provide specific benefit amounts for specific medical care expenses due to an accident or sickness. Any costs incurred in
excess of the stated benefit amount are the responsibility of the insured. Please review the plan benefits and limitations and exclusions to determine
if they meet your needs.
Plans Start at $94 per month
Diabetics are accepted with this plan
Next day coverage!