• Tennessee
  • Alabama
  • Arkansas

Tennessee

Health Insurance in Tennessee

Health insurance in Tennessee has undergone several changes, with the State wanting to ensure that health insurance coverage is available to all. The earlier TennCare health insurance plan was actually launched to meet the needs of those who were either ineligible or could not afford health insurance coverage. However, several years after its launch, TennCare went through major difficulties, largely because they had not expected high numbers of enrollment.
Cover Tennessee or CoverTN was another plan that was launched by the State in an attempt to reduce the number of uninsured while also ensuring that they do not really make the mistakes of the earlier plan. This plan offered three options namely

  •  CoverKids, where they insured children below 18 years of age
  • AccessTN, which was a more comprehensive option that offered insurance for pre existing conditions, and
  • CoverRx for providing affordable medications to all

However, there were many factors that had to be verified before you could become eligible for this cover. This included proof of income as well as proof of the fact that the incumbent had not been insured for a period of at least 6 months prior to applying for this coverage. Other factors included that people with pre existing medical conditions had a wait in period of 12 months before their cover took effect. However, this wait in period could be waived or reduced for people with prior creditable coverage who apply within 63 days of losing their coverage involuntarily.

Health Insurance for Individuals in Tennessee

Individual health insurance coverage, despite being a little expensive than group plans, are readily available in the State of Tennessee. The reforms brought about by the State as well as their national counterpart ensured that adequate rules were set out for making insurance coverage available to all. Various options were available to those seeking individual health insurance coverage, including HMO plans, POS plans, guaranteed issue health plans etc. Identifying your needs is the first step towards getting the best health insurance coverage for yourself.

Group Health Insurance in Tennessee

Where group health insurance coverage was really popular a few years ago, today it is not so. This is largely due to the rising cost of premium for such group coverage, which has had several employers opting out of it. While it still exists today, group coverage is available only with a few employers. This increases the need for employees to seek more adequate and comprehensive coverage through individual health plans.

Short Term Health Insurance in Tennessee

Being out of a job or being in a job that does not give you adequate health benefits is no reason to face medical emergencies on your own. Short term health insurance plans in Tennessee are perfect solutions for those in such situations and wanting to ride them through. These individual health insurance plans are short term, which usually last for a period ranging between 30 days and a year. However, they are quite comprehensive in their coverage and pretty affordable too, making them the best option. Additionally, such plans also help you buy more time required for comparing and understanding individual guaranteed issue health plans and standard plans that are more comprehensive.

Student Health Insurance in Tennessee

As students, the tension of having to pay tuition fees as well as other sundry payments is high. If you add the cost of medical emergencies to the lot, you might as well resolve to the fact that you will be faced with a huge debt to be repaid once you get a job. Student health insurance plans ensure that you do not face such a situation by paying for your medical emergencies.
So, if you live in Tennessee and are looking for comprehensive health insurance plans or insurance for pre existing conditions, take a pick from these options.

 

 

Alabama

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Health Insurance in Alabama

Being a parent, a guardian, or an employer puts one in a position of being the ‘beholder’, who has been endowed with the responsibility of ‘protecting’. If you are a parent, your child would inevitably need health coverage to ensure cost coverage for medicines and treatments should he/she get ill.  If you are an employer, your employee would deserve a health insurance too, which is why you would need to get one for them to encourage productivity and protect their interests. Thus, it becomes important to have a clear idea regarding Alabama health insurance services.

Health Insurance for individuals in Alabama

To precisely emphasize the reasons why an individual in Alabama needs health insurance, here are a few statistics to refer to. The past decade has seen a gradual rise in ‘uninsured’ individuals, the present figures standing at 15.9 per cent. Alabama is ranked 49th in terms of obesity, premature death, and deaths due to cardiovascular disorders; 5th in terms of binge drinking and 10th with respect to public health funding. Individual health insurance, especially guaranteed health insurance for those who are denied by traditional insurance policies, is starkly a necessity in Alabama.

Group Health Insurance in Alabama

Health insurances, especially when they pertain to individual insurance plans, do not act benevolently. Hence, a group benefit plan would be the ideal choice, as they bring down the costs as compared to family insurance and individual benefit plans since the cost of medical services is spread over a larger number of people. Getting pre existing health insurance for groups at pocket-friendly rates in Alabama can also become easier as compared to individual plans. 

Short Term Health Insurance in Alabama

A short term health insurance plan offers coverage for a short duration, which could be anywhere between 1to 12 months. Such plans are ideal for people who are

  • About to join a new job
  • between jobs
  • awaiting the group coverage to begin with, or
  • fresh college graduates

Though these insurances do not cover pre-existing conditions, you can get time to figure out the right guaranteed health insurance policy to buy and make it through the waiting period without feeling insecure.

Student Health Insurance in Alabama

There are a number of health coverage options for Alabama students, which may cater to their respective situations. Some of these are Stay on Parents Plan, Student Health Plan, School Sponsored Plans, and Individual and Family Plans. Though your college or university would offer basic health care services, the cost of which is included in your tuition fees, it’s advisable to get a reasonably priced student health insurance plan that would cover costs of hospitalizations and diagnostic centers, as well as expenses for visits to specialists, and primary care physicians.
So, depending on your situation, needs and budget, select an Alabama health insurance plan to live a stress free life and get adequate coverage for medical and healthcare costs.


Arkansas

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Health Insurance in Arkansas

According to recent statistics, about 17 per cent of the population in Arkansas is uninsured. While some people don’t realize the importance of having health insurance coverage, some others know about different plans but don’t get one as they feel the costs are too steep to afford. However, such a large number of people living uninsured means that they are at a high risk and may be incapable to afford their own health expenses. If you live in Arkansas and are yet to get health insurance coverage, here are some options to consider.

Individual Health Insurance in Arkansas

Companies and insurers offering individual health insurance plans in Arkansas would want to know your health status before issuing you their policies. The companies offering g such plans have the advantage of being the deciding authority on whether to accept or turn down an application. Depending on the existing health status of an individual, age, and some other factors, companies can deny your policy appeal or deny you coverage. Some plans for pre existing conditions may have a waiting period during which coverage for the condition isn’t offered. Nevertheless, there are many plans, including guaranteed health insurance policies, from which you can take your pick.  

Group Health Insurance in Arkansas

Business organizations in Arkansas have a lot to gain from group health insurances. They are the most effective way of retaining employees who have exhibited commendable performance, as by offering them health coverage, you can ensure a secure future for them should any medical emergency arise. These group health insurances are affordable for the employees as well, as the cost gets dissipated amongst many people. 

Short Term Health Insurance in Arkansas

Short term health insurances shouldn’t be depended upon for a prolonged time. They are just buffer policies, which help an individual when he or she is going through a change of employment, or is awaiting the approval of a traditional health policy. Such policies are not meant for any sort of pre-existing condition, and people shouldn’t count on such policies for the same.

Student Health Insurance in Arkansas

Health is priceless and shouldn’t be taken lightly. Even as a student, one should get health insurance and not refuse it just because he/she is in good health. While some colleges and universities may need you to have a health insurance prior to getting admitted into their programs, some others may give you the leeway. Whatever be the situation, it would be prudent to get a student health insurance policy in Arkansas, whose coverage is full proof and well-guaranteed.
So, get the right health insurance in Arkansas today to make sure that you are not unprepared to face a medical emergency.

 

Tennessee

Health Insurance in Tennessee

Health insurance in Tennessee has undergone several changes, with the State wanting to ensure that health insurance coverage is available to all. The earlier TennCare health insurance plan was actually launched to meet the needs of those who were either ineligible or could not afford health insurance coverage. However, several years after its launch, TennCare went through major difficulties, largely because they had not expected high numbers of enrollment.
Cover Tennessee or CoverTN was another plan that was launched by the State in an attempt to reduce the number of uninsured while also ensuring that they do not really make the mistakes of the earlier plan. This plan offered three options namely

  •  CoverKids, where they insured children below 18 years of age
  • AccessTN, which was a more comprehensive option that offered insurance for pre existing conditions, and
  • CoverRx for providing affordable medications to all

However, there were many factors that had to be verified before you could become eligible for this cover. This included proof of income as well as proof of the fact that the incumbent had not been insured for a period of at least 6 months prior to applying for this coverage. Other factors included that people with pre existing medical conditions had a wait in period of 12 months before their cover took effect. However, this wait in period could be waived or reduced for people with prior creditable coverage who apply within 63 days of losing their coverage involuntarily.

Health Insurance for Individuals in Tennessee

Individual health insurance coverage, despite being a little expensive than group plans, are readily available in the State of Tennessee. The reforms brought about by the State as well as their national counterpart ensured that adequate rules were set out for making insurance coverage available to all. Various options were available to those seeking individual health insurance coverage, including HMO plans, POS plans, guaranteed issue health plans etc. Identifying your needs is the first step towards getting the best health insurance coverage for yourself.

Group Health Insurance in Tennessee

Where group health insurance coverage was really popular a few years ago, today it is not so. This is largely due to the rising cost of premium for such group coverage, which has had several employers opting out of it. While it still exists today, group coverage is available only with a few employers. This increases the need for employees to seek more adequate and comprehensive coverage through individual health plans.

Short Term Health Insurance in Tennessee

Being out of a job or being in a job that does not give you adequate health benefits is no reason to face medical emergencies on your own. Short term health insurance plans in Tennessee are perfect solutions for those in such situations and wanting to ride them through. These individual health insurance plans are short term, which usually last for a period ranging between 30 days and a year. However, they are quite comprehensive in their coverage and pretty affordable too, making them the best option. Additionally, such plans also help you buy more time required for comparing and understanding individual guaranteed issue health plans and standard plans that are more comprehensive.

Student Health Insurance in Tennessee

As students, the tension of having to pay tuition fees as well as other sundry payments is high. If you add the cost of medical emergencies to the lot, you might as well resolve to the fact that you will be faced with a huge debt to be repaid once you get a job. Student health insurance plans ensure that you do not face such a situation by paying for your medical emergencies.
So, if you live in Tennessee and are looking for comprehensive health insurance plans or insurance for pre existing conditions, take a pick from these options.

 

 

Alabama

Untitled Document

Health Insurance in Alabama

Being a parent, a guardian, or an employer puts one in a position of being the ‘beholder’, who has been endowed with the responsibility of ‘protecting’. If you are a parent, your child would inevitably need health coverage to ensure cost coverage for medicines and treatments should he/she get ill.  If you are an employer, your employee would deserve a health insurance too, which is why you would need to get one for them to encourage productivity and protect their interests. Thus, it becomes important to have a clear idea regarding Alabama health insurance services.

Health Insurance for individuals in Alabama

To precisely emphasize the reasons why an individual in Alabama needs health insurance, here are a few statistics to refer to. The past decade has seen a gradual rise in ‘uninsured’ individuals, the present figures standing at 15.9 per cent. Alabama is ranked 49th in terms of obesity, premature death, and deaths due to cardiovascular disorders; 5th in terms of binge drinking and 10th with respect to public health funding. Individual health insurance, especially guaranteed health insurance for those who are denied by traditional insurance policies, is starkly a necessity in Alabama.

Group Health Insurance in Alabama

Health insurances, especially when they pertain to individual insurance plans, do not act benevolently. Hence, a group benefit plan would be the ideal choice, as they bring down the costs as compared to family insurance and individual benefit plans since the cost of medical services is spread over a larger number of people. Getting pre existing health insurance for groups at pocket-friendly rates in Alabama can also become easier as compared to individual plans. 

Short Term Health Insurance in Alabama

A short term health insurance plan offers coverage for a short duration, which could be anywhere between 1to 12 months. Such plans are ideal for people who are

  • About to join a new job
  • between jobs
  • awaiting the group coverage to begin with, or
  • fresh college graduates

Though these insurances do not cover pre-existing conditions, you can get time to figure out the right guaranteed health insurance policy to buy and make it through the waiting period without feeling insecure.

Student Health Insurance in Alabama

There are a number of health coverage options for Alabama students, which may cater to their respective situations. Some of these are Stay on Parents Plan, Student Health Plan, School Sponsored Plans, and Individual and Family Plans. Though your college or university would offer basic health care services, the cost of which is included in your tuition fees, it’s advisable to get a reasonably priced student health insurance plan that would cover costs of hospitalizations and diagnostic centers, as well as expenses for visits to specialists, and primary care physicians.
So, depending on your situation, needs and budget, select an Alabama health insurance plan to live a stress free life and get adequate coverage for medical and healthcare costs.


Arkansas

Untitled Document

Health Insurance in Arkansas

According to recent statistics, about 17 per cent of the population in Arkansas is uninsured. While some people don’t realize the importance of having health insurance coverage, some others know about different plans but don’t get one as they feel the costs are too steep to afford. However, such a large number of people living uninsured means that they are at a high risk and may be incapable to afford their own health expenses. If you live in Arkansas and are yet to get health insurance coverage, here are some options to consider.

Individual Health Insurance in Arkansas

Companies and insurers offering individual health insurance plans in Arkansas would want to know your health status before issuing you their policies. The companies offering g such plans have the advantage of being the deciding authority on whether to accept or turn down an application. Depending on the existing health status of an individual, age, and some other factors, companies can deny your policy appeal or deny you coverage. Some plans for pre existing conditions may have a waiting period during which coverage for the condition isn’t offered. Nevertheless, there are many plans, including guaranteed health insurance policies, from which you can take your pick.  

Group Health Insurance in Arkansas

Business organizations in Arkansas have a lot to gain from group health insurances. They are the most effective way of retaining employees who have exhibited commendable performance, as by offering them health coverage, you can ensure a secure future for them should any medical emergency arise. These group health insurances are affordable for the employees as well, as the cost gets dissipated amongst many people. 

Short Term Health Insurance in Arkansas

Short term health insurances shouldn’t be depended upon for a prolonged time. They are just buffer policies, which help an individual when he or she is going through a change of employment, or is awaiting the approval of a traditional health policy. Such policies are not meant for any sort of pre-existing condition, and people shouldn’t count on such policies for the same.

Student Health Insurance in Arkansas

Health is priceless and shouldn’t be taken lightly. Even as a student, one should get health insurance and not refuse it just because he/she is in good health. While some colleges and universities may need you to have a health insurance prior to getting admitted into their programs, some others may give you the leeway. Whatever be the situation, it would be prudent to get a student health insurance policy in Arkansas, whose coverage is full proof and well-guaranteed.
So, get the right health insurance in Arkansas today to make sure that you are not unprepared to face a medical emergency.