1. Health
Send to a Friend via Email

Tennessee Health Insurance Information

By

Updated August 18, 2008

If you live in Tennessee, the following health insurance contact information may be helpful to you:

Tennessee Insurance Division

The Tennessee Insurance Division is responsible for regulating all types of insurance sold in the state of Tennessee, including health insurance policies.

If you are looking for health insurance coverage, the Insurance Division has a list of insurance companies licensed to sell individual policies in Tennessee. You can also search for an agent here.

If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Division. Complete a complaint form online or contact the Insurance Division at the number listed below.

Tennessee Insurance Division
Consumer Insurance Services
500 James Robertson Parkway, 4th Floor
Nashville, TN 37243-0574
Phone: 800-342-4029 or 615-741-2218
Fax: 615-532-7389
Email: CIS.Complaints@state.tn.us

U.S. Department of Labor

If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees; for example, your employer cannot single out an individual employee to exclude her from the plan, because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.

If you have concerns about your employer's practices in administering your job-based health coverage; for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan, contact your regional EBSA office.

U.S. Department of Labor Employee Benefits Security Administration
Atlanta Regional Office
61 Forsyth Street, SW, Suite 7B54
Atlanta, GA 30303
Rebecca Marshall - Director
Phone: 404-302-3900
Fax: 404-302-3975

Buying Individual Policies in Tennessee

As a general rule, insurers in Tennessee are allowed to reject your application for coverage based on your health status. You may, however, qualify for coverage as a "HIPAA-eligible" individual if you:

  • had at least 18 months of continuous creditable coverage, the last day of which was under a group plan AND
  • you have exhausted all COBRA continuation coverage, which was available to you.

People who are HIPAA-eligible are guaranteed the right to buy an individual policy from a private insurer. You can also buy insurance through AccessTN(described below). If you are not sure whether you are a HIPAA-eligible individual, your insurance agent or the Tennessee Insurance Division can help you find out.

AccessTN

AccessTN offers coverage to individuals who are unable to purchase an individual health insurance policy because they have pre-existing health conditions. It also covers "HIPAA-eligible" individuals, as described above. For more information about the program, including premium rates and benefit packages, contact AccessTN.

AccessTN
Phone: 866-COVER-TN
Email: Cover.Tennessee@state.tn.us

CoverKids - Tennessee Children's Health Insurance Program

The CoverKids program provides health insurance coverage for children whose family income meets certain guidelines.

CoverKids
Phone: 866-COVER-TN
Email: Cover.Tennessee@state.tn.us

Tennessee State Health Insurance Assistance Program (SHIP)

SHIP provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the Medicare Part D prescription drug benefit or Medigap coverage.

SHIP
Phone: 877-801-0044

TennCare - Tennessee Medicaid

Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind and disabled individuals.

TennCare - Tennessee Medicaid
310 Great Circle Road
Nashville, TN 37243
Phone: 866-311-4287

©2014 About.com. All rights reserved.

We comply with the HONcode standard
for trustworthy health
information: verify here.