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Individual & Family Health Insurance
| Confused about health insurance? You are not alone. Watch Our Informative Videos! |
Health insurance is like the weather. Most people complain about it but few do anything about it. This short video
explains why Tennessee health care seems so expensive. .........................................................................................
explains why Tennessee health care seems so expensive. .........................................................................................
At TennHealth Insurance Services, we take the time to help you understand what you have, what you need, and how to get the most
for your total health care dollar. We work with all the top carriers to give you the best value and make sure the plan you choose fit’s like
a comfortable pair of shoes. We are proud to make these short video’s available, courtesy of Humana Insurance Company.
for your total health care dollar. We work with all the top carriers to give you the best value and make sure the plan you choose fit’s like
a comfortable pair of shoes. We are proud to make these short video’s available, courtesy of Humana Insurance Company.
| Why is Health Care Expensive? |
| How Do Networks Help Hold Down Costs? |
What is a deductible? Do you pay it before the copay or after? Or is it paid instead of a copay? Why does some
coverage have only a copay while others have a deductible and a copay. ....................................................................
coverage have only a copay while others have a deductible and a copay. ....................................................................
| What are Deductibles, Copay’s, and Coinsurance? |
| Why Do I Need Drug Coverage? |
Provider networks are like invisible fences. You can easily slip in and out of network without even knowing it. Did you
receive treatment from a hidden provider? Have you submitted a PARE claim? Just what is a network? Provider
networks are your friend, but only if you know how they work. .....................................................................................
receive treatment from a hidden provider? Have you submitted a PARE claim? Just what is a network? Provider
networks are your friend, but only if you know how they work. .....................................................................................
For the most part, the differences are minor, but still you need to know. There are a lot of myths about HMO’s in
particular. I have quite a few clients covered by HMO plans and most of them would never go back to a PPO. ..............
particular. I have quite a few clients covered by HMO plans and most of them would never go back to a PPO. ..............
| What is the Difference in a PPO and an HMO and Why Should I Care? |
This is a common question, especially from those who either do not take maintenance medication, or take
medications that are only a few dollars. Drug coverage is like everything else. You buy it BEFORE you need it. Once
you find you need a medication that cost’s $3,000 per dose it is too late to buy insurance for that drug. Still, there
are ways to save money if you can be a wise consumer and make the right choices. ..................................................
medications that are only a few dollars. Drug coverage is like everything else. You buy it BEFORE you need it. Once
you find you need a medication that cost’s $3,000 per dose it is too late to buy insurance for that drug. Still, there
are ways to save money if you can be a wise consumer and make the right choices. ..................................................
Almost 80% of my clients are taking charge of their health care dollars, saving hundreds each month and using the
tax code to their advantage to subsidize the cost of health care. The greatest tool available to consumers is the
Health Savings Account, but only if they know how to use it. This short video explains the alphabet soup of plans
available to individuals and employees. ..........................................................................................................................
tax code to their advantage to subsidize the cost of health care. The greatest tool available to consumers is the
Health Savings Account, but only if they know how to use it. This short video explains the alphabet soup of plans
available to individuals and employees. ..........................................................................................................................
| Health Savings Accounts |
If you would like to review plans available from all of our carriers,feel free to run quotes and compare plans at your leisure. Of course,
we are always available to answer any questions and guide you through the process.
we are always available to answer any questions and guide you through the process.
This video explains the different options on how to get covered....................................................................................
| If Your Employer Doesn't Offer Health Insurance. What Do You Do? |
