Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Options

Marketplace Health Insurance
  •  The Health Insurance Marketplace is an online platform where individuals and families can shop for and enroll in health insurance plans. It was established under the Affordable Care Act (ACA) with the aim of providing accessible and affordable health insurance coverage to Americans. Through the Marketplace, individuals can compare different plans based on their coverage options, cost, and provider networks. The Marketplace also offers financial assistance to those who qualify, helping to make insurance more affordable. We will help you shop the Marketplace to find the best fit for your individual needs. 

Private Health Insurance
  •  Unlike government-funded health insurance programs like Medicare, Medicaid, and Marketplace health insurance, private health insurance plans are typically purchased on an individual or group basis. One major difference in private health plans vs Marketplace coverage is that private plans often require medical underwriting when applying for coverage whereas Marketplace insurance does not. Private plans can provide individuals with greater flexibility and choice in their healthcare decisions. 

Short Term Health Insurance
  • Short-term health insurance is meant to provide coverage for people who are experiencing a life transition, ie... change in jobs, gaps in coverage, retiring, etc... Short term health insurance may not provide all the benefits found in an employer plan, but it can be a fantastic option to "hold you over" until you are eligible for other types of coverage. 

Tri-term Health Insurance
  • Tri-term health insurance is a form of short-term coverage that lasts 3 years. This form of coverage is much more similar to a private health plan or employer-based coverage. These types of plans offer a PPO network, copay options, low deductibles, and can be very fairly priced. However, they do require medical underwriting. 

Employer/Group Health Insurance
  • Employer-based coverage can be a great option as most plan premiums are subsidized by the employer, making them a very affordable option for the employee. Some plans may allow dependents or spouses to be on the plan, but the company may not pay a portion of their cost. We offer small group and large group option health plans in the ACA and level-funded market. 

Medicare Supplement 
  • Medicare supplement is typically for seniors age 65+ who are eligible and enrolled in Medicare Parts A and B. There are numerous types of supplement plans including Part D (prescription drug coverage), Plan K, Plan L, Plan N, Plan G, and Plan F (not a complete list). With a supplement plan, original Medicare remains as the primary coverage and the supplements do not have a "network", they are accepted at every provider who accepts traditional Medicare. For Medicare Supplement, the insured typically needs to purchase a supplement plan, a drug plan, and will need to add Dental and Vision separately. 

Medicare Advantage
  • Medicare Advantage is a low-cost way for Medicare A and B enrollees to add prescription drug coverage, dental, vision, and hearing benefits without having the higher cost of paying for each separately like they may with Medicare Supplement. However, Medicare Advantage does require the client to receive care with in-network providers and the plans may be more actively managed by the commercial carrier sponsoring the plan. 

Health Insurance Basics

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.

Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.

High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.​
(865) 312-6236
Morristown, TN 37814​
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