Jeffrey Wade
There are several options for obtaining medical insurance in Memphis, Tennessee. The City of Memphis offers medical insurance through BlueCross BlueShield of Tennessee, with two different medical options available: Choice and Select. Tennessee residents can also apply for Affordable Care Act (ACA) health insurance plans during the annual Open Enrollment Period, which generally runs from November 1 to December 15. Additionally, eligible individuals may qualify for the MEMPHIS Plan, which provides affordable access to healthcare for those who are currently uninsured and meet certain income requirements. This plan assigns enrollees to a primary care physician and a hospital system for medical emergencies. Furthermore, there are several insurance agencies in Memphis that can assist individuals in finding the right health insurance coverage, such as Pete Mitchell & Associates, Inc., Sneed Insurance, and Lipscomb & Pitts Insurance. These agencies offer a range of health insurance policies, including EPO, HMO, POS, and PPO plans, and can help individuals navigate the different options to find the most suitable and affordable coverage for their needs.
| Characteristics | Values |
|---|---|
| Insurance providers | BlueCross BlueShield of Tennessee, Cigna, Pete Mitchell & Associates, Medicare Insurance Advisors, Collier, Insurance Consulting Group, Lipscomb & Pitts Insurance, Sneed Insurance |
| Insurance types | EPO, HMO, POS, PPO, ACA, Medicare, dental, vision |
| Eligibility | Uninsured, income below 200% of the federal poverty level, family size, location in Tennessee, number of employees |
| Cost | $5 co-pay, $10/month, $40/month, $0 deductible, $6700 Silver, $7200 Bronze, $1000 Gold |
| Coverage | Primary care, emergency services, lab work, diagnostics, prescriptions, specialists, hospital systems, maternity care |
Explore related products
What You'll Learn
Affordable Care Act (ACA) health insurance plans
The Affordable Care Act (ACA), enacted in March 2010, is the nation's health reform law. The ACA includes provisions that allow states to expand Medicaid, prevent insurance companies from denying coverage to individuals with pre-existing conditions, and provide affordable health insurance options by offering tax credits and coverage for young adults who stay on their parents' plans until they turn 26. The ACA expands health insurance coverage options by creating a platform, the Health Insurance Marketplace (Exchanges), that offers insurance plans to individuals, families, and small businesses.
Tennessee residents can apply for ACA health insurance plans, also known as Obamacare plans, during the annual Open Enrollment Period, which usually occurs from November 1 to December 15 each year. If you miss the Open Enrollment Period, you will have to wait until the next one or until you qualify for a Special Enrollment Period, which can be triggered by certain life events such as getting married, relocating, having a child, or losing your health coverage.
There are several resources available to help Tennessee residents navigate ACA health insurance plans and the enrollment process. GetCoveredTenn is a non-profit statewide ACA Navigator agency that provides free and unbiased guidance to residents about publicly funded available health insurance options. They can help you understand eligibility requirements, provide step-by-step enrollment assistance, and help you choose the right care plan. HealthMarkets is another resource that can help you compare and find the right ACA health insurance plan for you in Memphis, Tennessee.
In addition to ACA health insurance plans, there are other options for affordable health care in Memphis, Tennessee. The MEMPHIS Plan is an affordable health care option for small business owners, the self-employed, and their employees. To qualify, employees must work more than 20 hours a week, meet the income requirement (less than 200% of the federal poverty level), and the business must employ less than 200 eligible participants and be located in Tennessee. The MEMPHIS Plan provides access to a primary care physician, emergency medical care, and wide-ranging specialists for $10 a month (and $40 a month per employee, with the cost rising with additional dependents).
The Cost of Seizure Medication: Insurance and Expenses
You may want to see also
Explore related products
The MEMPHIS Plan
To sign up for the MEMPHIS Plan, individuals can contact the MEMPHIS Plan offices directly. They will need to provide proof of income, employment, and residency in Tennessee. Once enrolled, enrollees will receive their enrollment letter and plan card, which they can use to schedule appointments with their assigned doctors.
It is important to note that the MEMPHIS Plan is not a comprehensive insurance plan and may not cover all healthcare needs. Enrollees should still consider their options and may choose to enrol in additional insurance plans to ensure they have the coverage they need.
Immunotherapy Coverage: What Does Medical Insurance Cover?
You may want to see also
Explore related products
Medicare and dental insurance
Medicare typically does not cover dental services such as routine cleanings, fillings, tooth extractions, or dentures. However, there are certain scenarios in which Medicare may provide coverage for dental procedures.
Medicare Part A and Part B generally do not include dental coverage. Nevertheless, in specific instances where dental services are deemed medically necessary and integral to the success of other covered treatments, Medicare may provide coverage under Parts A and B. For example, dental or oral exams and treatments may be covered when they are required before or during certain medical procedures, such as organ transplants, chemotherapy, or head and neck cancer treatments. Similarly, dental ridge reconstruction done during tumour removal surgery or dental services related to treating a jaw fracture may be covered.
Medicare Advantage plans, also known as Medicare Part C, are offered by private insurance companies approved by Medicare. These plans may offer dental coverage, along with additional benefits like prescription drug coverage, telehealth services, transportation benefits, fitness memberships, and more. The specific benefits included in a Medicare Advantage plan can vary, so it is essential to review the details of different plans before selecting one.
To obtain dental coverage with Medicare, you can consider the following options:
- Enrol in a Medicare Advantage plan that includes dental benefits. Compare the available plans in your area and choose one that meets your needs.
- If you already have Original Medicare, you can explore supplemental dental insurance plans offered by private insurance companies. These plans can help cover the costs of dental care that Original Medicare does not include.
- Contact insurance companies offering plans in your area to inquire about their dental coverage options and determine if they align with your requirements.
In addition to Medicare, the City of Memphis, Tennessee, provides its employees and their families with medical insurance options through BlueCross BlueShield of Tennessee, with two plans: Choice and Select. These plans require meeting an annual deductible before covering a percentage of expenses, and they include copays for certain services. After the out-of-pocket maximum is reached, the plan pays 100% of eligible covered expenses for each family member.
Memphis, Tennessee, also offers ACA (Affordable Care Act) health insurance plans with a range of options, including Bronze, Silver, and Gold. These plans may include adult dental and vision coverage, with varying levels of deductibles and copays. Tennessee residents can enrol in these plans during the annual Open Enrollment Period, typically from November 1 to December 15, or during a Special Enrollment Period if they experience qualifying life events, such as marriage, relocation, the birth of a child, or loss of previous health coverage.
Swift Transportation Medical Insurance: Comprehensive Coverage Costs
You may want to see also
Explore related products
Health Maintenance Organization (HMO) insurance
When you have an HMO plan, you must generally stay within the network of providers to receive coverage. Your primary care physician (PCP) will be your first point of contact for all health-related issues, and you will need a referral from them to see a specialist. The specialists that PCPs refer insured members to are typically within the HMO coverage network, so their services are covered under the plan after co-pays are paid. HMO plans typically have lower premiums than Preferred Provider Organization (PPO) plans, and there are often low or no deductibles. Instead, a co-pay is charged for each clinical visit, test, or prescription.
In the context of Medicare, an HMO is a type of Medicare Advantage Plan (Part C) offered by a private insurance company. Some HMOs are Point-of-Service (HMOPOS) plans, which allow for some services to be obtained out-of-network for a higher copayment or coinsurance.
In Memphis, Tennessee, residents can apply for Affordable Care Act (ACA) health insurance plans during the annual Open Enrollment Period, which generally occurs from November 1 to December 15. They can also apply during a Special Enrollment Period if they experience certain life events, such as getting married, relocating, having a child, or losing their health coverage.
Life Insurance Medical Record Checks: How Far Back?
You may want to see also
Explore related products
Four major health insurance policies: EPO, HMO, POS, and PPO
When it comes to health insurance, there are four major types of plans: EPO, HMO, POS, and PPO. Each type of plan has its own unique features, and it's important to understand the differences to determine which one is the best fit for your needs. Here's a detailed overview of each of these four major health insurance policies:
EPO (Exclusive Provider Organization):
EPO plans are managed care plans that provide access to a network of providers. EPOs are similar to HMOs in that they generally do not cover out-of-network care, except in emergency situations. However, EPOs usually do not require members to select a primary care physician (PCP) or obtain referrals to see specialists. EPOs tend to have lower monthly premiums than PPOs, but higher deductibles and lower monthly payments. They also typically have lower copays and coinsurance rates compared to other plans.
HMO (Health Maintenance Organization):
HMOs are designed to help maintain your overall health. They establish a local network of doctors, hospitals, and providers who agree to accept lower payment rates for their services, which helps keep costs predictable and affordable. HMO plans typically require referrals from a PCP to see specialists and generally do not cover out-of-network care, except in emergencies. HMOs often provide integrated care with a focus on prevention and wellness. They usually have lower premiums, copays, and coinsurance rates compared to other plans.
POS (Point of Service):
POS plans blend the features of HMOs and PPOs. They offer more freedom in choosing healthcare providers compared to HMOs, but you may need to pay more to see out-of-network doctors. POS plans usually require referrals from a PCP to see specialists, but some are ""open access," allowing patients to see specialists without referrals. POS plans typically have slightly higher premiums than HMOs due to their out-of-network benefits. They may have higher deductibles, especially for out-of-network providers.
PPO (Preferred Provider Organization):
PPOs offer the most flexibility in choosing healthcare providers, allowing members to see any doctor or provider they prefer, both in-network and out-of-network. PPOs have higher premiums, copays, and monthly costs compared to HMOs and POS plans. They also typically have an annual deductible, which is the amount the insured member must pay out-of-pocket before the insurance plan starts paying for claims. PPOs are ideal for those who value the freedom to choose their healthcare providers and don't mind paying higher costs for that flexibility.
Medical Insurance Cancellation in California: Anytime Termination?
You may want to see also
Frequently asked questions
The MEMPHIS Plan is a healthcare option for small business owners and self-employed individuals. It provides affordable access to healthcare for employees who are uninsured. For $10 a month, employees get access to a primary care physician, emergency medical care, and a range of specialists.
To be eligible for the MEMPHIS Plan, individuals must be currently uninsured and make no more than 200% of the federal poverty level. For employers, their business must be located in Tennessee, employ less than 200 eligible participants, and employees must work more than 20 hours a week.
There are several insurance agencies in Memphis that can help you find the right health insurance plan. These include:
- Pete Mitchell & Associates, Inc.
- Sneed Insurance
- Insurance Consulting Group, Inc.
- Lipscomb & Pitts Insurance
- Medicare Insurance Advisors
- Collier
There are four major types of health insurance policies in Tennessee: EPO, HMO, POS, and PPO. The City of Memphis also offers two medical options through BlueCross BlueShield of Tennessee: Choice and Select. Additionally, recognized insurance companies in and near Memphis offer various plans, including Gold, Silver, and Bronze options.
Tennessee residents can apply for Affordable Care Act (ACA) health insurance plans during the annual Open Enrollment Period, which is generally from November 1 to December 15. You may also be eligible for a Special Enrollment Period if you experience certain life changes, such as getting married, having a child, or losing your current health coverage.
