| Straight Talk About Health Insurance |
Do you hate to sit through sales presentations? By filling out a form on the Internet, you will have calls
from many agents and non-agents from California to Florida trying to sell you the moon. Most will want to set
an appointment with you to show you their plan. Then you have to put up with a pushy salesperson who wants
you to buy tonight. At TennHealth, we provide you all the information you need to make your own choice. You
will receive your quote, and the details of the plans in writing. We answer your questions and assist you in
deciding which company and plan is best for your family. You don't have to sit through a boring sales
presentation from a pushy salesman, or be pressured to buy "today." If you want all the bells and whistles, or
if you want basic coverage, we can work to find you the best plan that fits your needs and budget.
Be wary about agents that represent only one health insurance company. You can avoid most, if not all
of the substandard companies and scams by making sure your agent represents more than one insurance
company and gives you quotes from multiple companies (not multiple plans from the same company). A
captive agent who works for only one company will try to make his company fit every family. In actuality, every
family is different and some companies will not be in the best interest of the client. We recommend you visit
Coalition Against Insurance Fraud.
Watch out for plans that has limits on number of doctor visits or per illness limitations. This is very
important - Make sure the plan does not use a schedule for reimbursing your expenses. In other words,
make sure they don't have a list of how much they pay for different illnesses, operations or procedures. If you
are buying a full PPO plan this rule should be followed whenever possible. However, some of you will not be
able to qualify for a full PPO and others not be able to afford one. In which case, access to a good PPO
network and a medical supplement indemnity plan will have to do. We can help you find one that will cover
most of your medical expenses.
Be wary of discount cards that promise low cost doctor visits and reduced hospital bills. These are
not insurance plans. Be realistic, Do you really think a family of four can get a Major Medical Plan for $69.99?
These plans are all over the internet. Most are multi-level marketing junk. We have had offers to sell numerous
discount cards, and we have researched the different plans and cards. If you cannot afford even a basic
insurance plan, this may be the only option. However, we will check all available plans before we will
recommend a discount card.
If you have a medical condition that requires a prescription, regular medical care or have been told
that you will require surgery in the future, there is an excellent chance it will not be covered with a
new insurance plan. There are no laws that will force the insurance companies to cover it. However, we can
work a plan for you that can keep your cost at a minimum. Call us, and if it is possible, we will help you get
coverage. We will help you determine if you can qualify for a HIPAA or state assisted plan.
If you are already pregnant you cannot get health insurance, and your husband cannot get health
insurance . These are the rules all the insurance companies follow. But, we can help you find alternative plans,
including state sponsored plans.
If you have a PPO plan you are entitled to the discounted PPO rate for services. So a doctor visit might
still only cost $35 or $40 instead of $75, and a lab fee $15 instead of $60. Learn how to take advantage of
PPO discounts, it will save you a fortune. Ask us and we will explain it to you. The PPO discount is your most
powerful weapon against high medical bills.
High deductible health insurance plans are often the best value. There is no point in spending $2000 a
year more in premiums for a prescription card and $500 less in deductible. Unless you are on a group
insurance plan, $250 and $500 deductibles are extremely high priced.
Dental insurance facts: Every day we get a call from someone who just found out they need $3000 worth of
dental work and are looking for a $20 a month plan to pay their bills. This just won't happen. We do have
dental insurance plans that offer excellent coverage, but may have a waiting period for pre-existing conditions.
However, checkups are usually covered with no waiting period. Dental Plans Available
IMMEDIATE ISSUE HEALTH INSURANCE - Although, most plans take many weeks, even months before
the coverage is effective, you can get a major medical plan in 24 hours if you are medically qualified. Call us
directly if you need coverage tomorrow.
A Few More Facts
Individual health insurance plans are not guaranteed issue. There are many factors insurance companies use
to underwrite a policy. Such as rating up a policy if you are overweight, or have a medical condition. Or, you
can be denied coverage. We make it our business to understand the different insurance companies' policies
regarding underwriting and can recommend the best company if you do have any medical issues. So please
call us with your concerns. We will be happy to go over your concerns and needs with you.
Contact us at 888-207-8368 or info@tennhealth.com
from many agents and non-agents from California to Florida trying to sell you the moon. Most will want to set
an appointment with you to show you their plan. Then you have to put up with a pushy salesperson who wants
you to buy tonight. At TennHealth, we provide you all the information you need to make your own choice. You
will receive your quote, and the details of the plans in writing. We answer your questions and assist you in
deciding which company and plan is best for your family. You don't have to sit through a boring sales
presentation from a pushy salesman, or be pressured to buy "today." If you want all the bells and whistles, or
if you want basic coverage, we can work to find you the best plan that fits your needs and budget.
Be wary about agents that represent only one health insurance company. You can avoid most, if not all
of the substandard companies and scams by making sure your agent represents more than one insurance
company and gives you quotes from multiple companies (not multiple plans from the same company). A
captive agent who works for only one company will try to make his company fit every family. In actuality, every
family is different and some companies will not be in the best interest of the client. We recommend you visit
Coalition Against Insurance Fraud.
Watch out for plans that has limits on number of doctor visits or per illness limitations. This is very
important - Make sure the plan does not use a schedule for reimbursing your expenses. In other words,
make sure they don't have a list of how much they pay for different illnesses, operations or procedures. If you
are buying a full PPO plan this rule should be followed whenever possible. However, some of you will not be
able to qualify for a full PPO and others not be able to afford one. In which case, access to a good PPO
network and a medical supplement indemnity plan will have to do. We can help you find one that will cover
most of your medical expenses.
Be wary of discount cards that promise low cost doctor visits and reduced hospital bills. These are
not insurance plans. Be realistic, Do you really think a family of four can get a Major Medical Plan for $69.99?
These plans are all over the internet. Most are multi-level marketing junk. We have had offers to sell numerous
discount cards, and we have researched the different plans and cards. If you cannot afford even a basic
insurance plan, this may be the only option. However, we will check all available plans before we will
recommend a discount card.
If you have a medical condition that requires a prescription, regular medical care or have been told
that you will require surgery in the future, there is an excellent chance it will not be covered with a
new insurance plan. There are no laws that will force the insurance companies to cover it. However, we can
work a plan for you that can keep your cost at a minimum. Call us, and if it is possible, we will help you get
coverage. We will help you determine if you can qualify for a HIPAA or state assisted plan.
If you are already pregnant you cannot get health insurance, and your husband cannot get health
insurance . These are the rules all the insurance companies follow. But, we can help you find alternative plans,
including state sponsored plans.
If you have a PPO plan you are entitled to the discounted PPO rate for services. So a doctor visit might
still only cost $35 or $40 instead of $75, and a lab fee $15 instead of $60. Learn how to take advantage of
PPO discounts, it will save you a fortune. Ask us and we will explain it to you. The PPO discount is your most
powerful weapon against high medical bills.
High deductible health insurance plans are often the best value. There is no point in spending $2000 a
year more in premiums for a prescription card and $500 less in deductible. Unless you are on a group
insurance plan, $250 and $500 deductibles are extremely high priced.
Dental insurance facts: Every day we get a call from someone who just found out they need $3000 worth of
dental work and are looking for a $20 a month plan to pay their bills. This just won't happen. We do have
dental insurance plans that offer excellent coverage, but may have a waiting period for pre-existing conditions.
However, checkups are usually covered with no waiting period. Dental Plans Available
IMMEDIATE ISSUE HEALTH INSURANCE - Although, most plans take many weeks, even months before
the coverage is effective, you can get a major medical plan in 24 hours if you are medically qualified. Call us
directly if you need coverage tomorrow.
A Few More Facts
Individual health insurance plans are not guaranteed issue. There are many factors insurance companies use
to underwrite a policy. Such as rating up a policy if you are overweight, or have a medical condition. Or, you
can be denied coverage. We make it our business to understand the different insurance companies' policies
regarding underwriting and can recommend the best company if you do have any medical issues. So please
call us with your concerns. We will be happy to go over your concerns and needs with you.
Contact us at 888-207-8368 or info@tennhealth.com
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Health Insurance Plans for Tennessee
| 888-207-8368 |
