Health Insurance

Personal Health Insurance in Tennessee

Every year the cost of providing healthcare increases dramatically. Simple same-day surgeries, required tests and emergency attention can add up to tens of thousands of dollars or more. The overall benefits of health insurance are obvious. You won’t be avoiding the doctor because it costs too much. The hospital bills won’t be piling up on your desk waiting for attention. Your health insurance will provide the help and care you need and demand. Also, if you drive a car, health insurance will work cooperatively with your auto insurance in case of an accident.

A doctor leans forward in order to touch medical icon which appears on screen
There are many health insurance companies available, offering various types of plans. We are much more than capable to get you the best plan and coverage to suit your specific needs and desires.

Individual Insurance
Individual health insurance covers the medical expenses of only one person or family. Unlike group insurance, you purchase individual insurance directly from an insurance company. When you apply for individual insurance, you are evaluated in terms of how much risk you present. This is generally done through a series of medical questions and/or a physical exam. Your risk potential determines whether you qualify, and how much your insurance will cost.

What will the insurance company want to know?
Before issuing an individual insurance policy, the insurer will want to know everything about your personal health history. It is unwise to try to hide a pre-existing condition from your insurer, since many insurers use information from the Medical Information Bureau (MIB) to determine whether an applicant is insurable. If the insurer doesn’t want to cover a particular health condition, you may still be able to get a policy with an exclusion rider.

What are the benefits of individual coverage?
If available, group insurance is generally a better option, since it is usually more comprehensive. However, individual coverage is infinitely better than being uninsured in the event of illness or injury. Although you may think you can do without health insurance, you are taking a major risk if you choose not to get coverage. An unexpected illness or serious injury can put you and your family in financial peril. In a group insurance situation, the provisions of the policy are negotiated between the insurer and master policyowner (usually an employer or association). With individual insurance, you are directly in control of your policy. You can negotiate to have certain provisions included or excluded, and you can often choose your deductible amount and co-payment percentage. Keep in mind, however, that these things will affect your premiums.


 
Quote ME Now  




Contact

Ivy Insurance
7101 Sharondale, Suite 700
Brentwood, TN 37027

Office Hours: M-F 8am-5pm
Tel: (615) 678-8278
Fax: (615) 678-8284
Email: email@nullivy-insurance.com

Recent Posts

Unfortunately, many people wrongly assume that auto and umbrella insurance policies will provide reimbursement for all aspects of an accident on the road. Instead, both of these policies cover yourUninsured and Underinsured Motorists

With winter weather affecting us all in our attempts to remain comfortable, it's also the time of year which presents the greatest risk for an invisible threat. Carbon monoxide isProtect Your Family From the Dangers of Carbon Monoxide

Do you have a mortgage? Yes? Then at some point in your home-owning life, you have received a letter telling you that your mortgage has been sold to another lender.Was Your Home Loan Sold? Quick, Call Your Insurance Agent!

TRYING TO SAVE MONEY? AVOID THE FIVE BIGGEST INSURANCE MISTAKES.With far too many Americans out of work, and others forced to make ends meet with less money, many people are5 Big Insurance Mistakes

Vehicle technology seems to advance each year, as new features improve driver and passenger safety. The following are just a few driver-assist features to be aware of the next timeLatest Safety Features for New Car Shoppers


Site Translator