Jeffrey Wade
If you're looking to apply for insurance in Tennessee, there are a few options available to you. You can apply for TennCare, which is the state's Medicaid program, or you can explore private health insurance options such as BlueCross BlueShield of Tennessee. To apply for TennCare, you can create a TennCare Connect account and apply online, over the phone, or by submitting a paper application. The application process typically takes 30 to 60 minutes to complete. If you're interested in private health insurance, you can reach out to insurance companies or online health insurance sellers to explore your options and enroll in a plan that suits your needs. Additionally, if you're considering becoming an insurance agent in Tennessee, there are specific requirements and steps you need to follow, including completing a pre-licensing education course, registering for and passing the state exam, and submitting your license application along with fingerprinting for a background check.
| Characteristics | Values |
|---|---|
| How to apply for insurance in TN | Apply for TennCare online, over the phone, or with a paper application. For the latter, mail it to TennCare Connect or fax it. |
| TennCare Connect phone number | 855-259-0701 |
| Tennessee Relay Service (TNRS) phone number | 800-848-0298 |
| TennCare Connect mailing address | TennCare Connect P.O. Box 305240 Nashville, TN 37230-5240 |
| TennCare Connect fax number | 1-855-315-0669 |
| How to get help in person | Visit your local Department of Human Services (DHS) office |
| How to find your local DHS office | Go to the Office Locator – Family Assistance web page |
| Information to have ready when applying for coverage | Information about people in your home who are applying, people who live with you, your income, and your expenses and assets |
| Time required to fill out the application | 30 to 60 minutes |
| How to check eligibility | Refer to the Eligibility Reference Guide |
| Phone number for help with Medicare costs | 1-877-801-0044 |
| How to get help with Long-Term Care | Call your TennCare health plan (MCO) using the number on your TennCare card |
| How to apply for a Tennessee insurance license | Register for and pass the state exam, submit your fingerprints for a background check, and apply for your license online through NIPR |
| Website for registering for the state exam | PearsonVue |
| Website for getting a fingerprint background check | Identogo |
| Phone number for BlueCross BlueShield of Tennessee Health Insurance | N/A |
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What You'll Learn
Register for the state exam
To register for the state exam to become an insurance agent in Tennessee, you must be at least eighteen (18) years old and be a resident of the state.
Firstly, complete all pre-licensing education. Each line of insurance requires 20 hours of pre-licensing education from an approved provider. You can review the Pearson Vue Candidate Handbook for additional details regarding the pre-licensing process. You can also review the Insurance Licensing Candidate Handbook, paying special attention to the content outlines available at www.pearsonvue.com.
Next, complete the fingerprinting requirements. Each candidate taking a Tennessee Insurance examination must be fingerprinted. You can schedule an appointment to submit electronic fingerprints to complete a background check.
After that, you can make a reservation and pay the examination fee. Exam reservations can be made online at the Pearson Vue website (www.pearsonvue.com/tn/insurance) or over the phone at (800) 274-4957. You will be required to provide two current forms of identification at the testing center. The name on the identification must exactly match the name on the registration. The primary identification must be government-issued and photo-bearing with a signature, such as a driver's license or passport. The secondary identification must contain a valid signature and must not be expired, such as a debit or credit card.
Finally, arrive at the testing center 30 minutes before your scheduled appointment to allow time for check-in procedures. Present your identification and proof of completion of pre-licensing education.
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Complete pre-licensing education
To apply for an insurance license in Tennessee, you must pass a licensing exam. The exam will test your knowledge of industry information, insurance products, and state insurance laws. While not mandatory, it is highly recommended that you complete a pre-licensing education course to prepare for the exam. These courses are designed to enhance your understanding of the material and increase your chances of passing on your first attempt, saving you time and money.
When choosing a pre-licensing education course, consider factors such as flexibility, price, and the course provider's reputation. Some courses offer features like live tutoring, study calendars, and practice exams to improve your learning experience. You can also look at the pass rates of different courses to make an informed decision.
A.D. Banker offers pre-licensing courses that cater to different learning styles. Their online courses can be supplemented with web classes and flashcards for more effective learning. You can also explore the five best pre-license education courses of 2024, as recommended by staterequirement.com. Over 81% of their readers used Kaplan’s online courses, which had a 93% pass rate.
Once you have completed your pre-licensing education, you can schedule your state licensing exam through Pearson VUE by phone or online. Remember to schedule your exam at least 24 hours in advance, and note that you will need to pay the exam fee at the time of reservation. On the day of the exam, arrive at the testing center 30 minutes early with a valid government-issued ID. No personal items, electronic devices, or watches are allowed inside the testing center.
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Submit fingerprints for a background check
To apply for an insurance license in Tennessee, you must submit your fingerprints for a background check. This can be done through Identogo, which offers both digital and physical fingerprinting services.
If you are able to visit an Identogo location in person, you can opt for digital fingerprinting, which involves electronically transmitting your fingerprints to National Background Information. This service is known as Live Scan, and it is the fastest way to submit your fingerprints. Live Scan operators may also provide other services such as passport photos and drug testing.
Alternatively, you can choose to submit your fingerprints through the mail. For this option, you will need to register and make payment arrangements before mailing your fingerprint cards to Identogo. This option is only available to out-of-state residents or individuals who are physically unable to be digitally printed.
It is important to note that, due to COVID-19, Identogo is taking precautionary measures by quarantining all incoming mail for one day before beginning the Card Scan Processing steps.
Once your background check is complete, you can proceed with applying for your insurance license online through NIPR.
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Apply for TennCare online, over the phone, or by mail
Applying for TennCare
There are several ways to apply for TennCare, including online, over the phone, or by mail. Here's what you need to know about each process:
Online Application
To apply for TennCare online, you'll need to create a TennCare Connect account. This account will allow you to manage your application and coverage information. Once you have an account, you can proceed to fill out the online application form. Make sure to set aside 30 to 60 minutes to complete the application thoroughly. During the application process, be prepared to answer questions about your household income, the number of people in your household, and any other insurance coverage you may have.
Phone Application
If you prefer to apply over the phone, you can call TennCare Connect at 855-259-0701. They will guide you through the application process and answer any questions you may have. This option is especially helpful if you have any hearing or speech difficulties, as you can request assistance through the Tennessee Relay Service (TNRS) by calling 800-848-0298 and asking to be connected to TennCare Connect.
Mail Application
To apply for TennCare by mail, you'll need to complete a paper application and send it to the following address:
TennCare Connect
P.O. Box 305240
Nashville, TN 37230-5240
Alternatively, you can fax your completed application to 1-855-315-0669. Remember to keep the confirmation page that shows your fax went through. When submitting your application by mail or fax, be sure to include the full name, date of birth, Social Security Number or Case Number, and current mailing address of all individuals applying for coverage.
Additional Resources
If you need in-person assistance with your application, you can visit your local Department of Human Services (DHS) office. You can also refer to the TennCare Connect Instructional Videos for more information on managing your TennCare Connect account and the application process. Additionally, if you have questions about Medicare Savings Programs or long-term care, you can call 1-877-801-0044 for further guidance.
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Apply via an approved partner, like an insurance company
If you're looking for health insurance in Tennessee, you can apply through an approved partner, such as an insurance company. Cigna, for example, offers health insurance plans in Tennessee. You can shop and compare plans online or call them for a quote. Their plans include virtual urgent care, $0 preventive care visits, and $0-$3 for preferred generic prescription drugs.
Another option is to apply for TennCare, which is Tennessee's Medicaid program. You can apply online through a TennCare Connect account, over the phone, or with a paper application. If you need help with the application process, you can contact your local Department of Human Services (DHS) office or call TennCare Connect at 855-259-0701.
When applying for health insurance in Tennessee, whether through an insurance company like Cigna or through TennCare, be prepared to answer questions about your income, household members, and current health status. It typically takes 30 to 60 minutes to complete the application process.
Additionally, keep in mind that open enrollment periods may apply, so check the timing of your application. For example, Cigna's open enrollment for 2025 has ended, but special enrollment periods may be available.
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Frequently asked questions
You can apply for TennCare online, over the phone, or with a paper application. You will need to create a TennCare Connect account if applying online.
It takes most people 30 to 60 minutes to fill out the application.
You will need to answer questions about the people in your home who are applying, people who live with you, your income, and your expenses and assets.
To qualify for a Tennessee insurance license, you will need to meet certain requirements, including registering for and passing the state exam. You will also need to submit your fingerprints for a background check.
BlueCross BlueShield of Tennessee is a health insurance provider in the state.
