The Tennessee Department of Commerce and Insurance has made it easy for you to save money and get cheaper health insurance. There are eight main types of health insurance in Tennessee:
- Major medical: Covers most services in health care
Short-term major medical insurance covers everything that major medical insurance does, except for pre-existing conditions. Short-term major medical insurance usually lasts for six months.
- Only covers cancer, heart attack, and stroke, so you shouldn't use it as your only health insurance.
- Supplement: Supplement policies cover everything that your major medical or hospital coverage and Medicare don't cover.
- Hospital and Surgical: Covers hospital stays and some outpatient surgeries and hospital care, but not prescription drugs.
- Hospital, medical, and surgical indemnity: Offers a mix of what hospital and surgical indemnity policies cover; doesn't cover major medical emergencies.
- Hospital indemnity: This pays for a set amount of a hospital stay each day.
- Accident: Covers injuries that happen by accident, but it shouldn't be your only health insurance.
What will you do with this information? Well, it's a lot easier to find affordable health insurance premiums in Tennessee if you know what kind of coverage you need. For instance, if you just got fired from your job and lost your health insurance, you might want to look for cheap health insurance quotes in Tennessee for short-term major medical policies. If you can't yet afford a major medical plan but want protection against the unexpected, you may want to try to save money and get discount health insurance in Tennessee to cover accidents.
If you already know what kind of medical coverage you want, you can get health insurance in Tennessee at a price you can afford. With this information, you can start looking for cheap health insurance quotes in Tennessee knowing exactly what you want and how much you are willing to pay.
