Health insurance can be confusing, complicated and difficult to understand. Finding and getting affordable health insurance isn't easy. If you have low income, help may be available to you through state and public programs if you cannot afford private health insurance.
topics: affordable health insurance in Tennessee: Health Insurance Plans Tennessee: Affordable Health Insurance, Low Cost Health Insurance through state insurance programs; COBRA; Unemployed, Uninsured
source:TennCare languages: English from the web page: "TennCare is the State of Tennessee's Medicaid program that provides health care for 1.2 million Tennesseans and operates with an annual budget of approximately 8 billion dollars..."
Tennessee Health Coverage Tax Credit (HCTC) Program
source:Internal Revenue Service | United States Department of the Treasury languages: English from the web page: "...Provided below are two separate lists of state-qualified health plans for the state of Tennessee, each serving a different purpose. Please review the information under each heading to determine which list is most appropriate for you...."
also from Internal Revenue Service | United States Department of the Treasury
: web page: HCTC: The Yearly HCTC languages: English from the web page: "...With the yearly HCTC, you pay your health plan premiums in full and then claim the credit on your tax return. The credit is refunded or applied as a credit toward you year-end taxes. This page provides general information on how the yearly HCTC works..."
source:Tennessee Department of Labor and Workforce Development 1 pagelanguages: English from the brochure: "...A benefit available to workers who have lost their jobs due to foreign trade and individuals whose pensions are taken over by the PBGC. The HCTC is a federally funded program administered by the IRS that pays 80% of qualified health insurance premiums for eligible individuals and their families. To..."
also from Tennessee Department of Labor and Workforce Development
: brochure: HCTC Fact Sheet: 2 pages; languages: English from the brochure: "...The Health Coverage Tax Credit (HCTC) is a program that helps pay for private health
insurance for workers certified to receive Trade Adjustment Assistance (TAA) benefits. The
Internal Revenue Service (IRS) administers this plan...."
Tennessee Health Insurance for Low Income Children
Insurance for Pre-Existing Condition, Chronic Medical Problem Coverage
source:HealthCare.gov - U.S. Department of Health & Human Services 2 pages; languages: English from the brochure: "...Eligible residents of Tennessee can apply for coverage through the Pre-Existing Condition Insurance Plan program run by the U.S. Department of Health and Human Services..."
source:Pre-Existing Condition Insurance Plan: HealthCare.gov languages: English from the web pages: "...PCIP will cover a broad range of health benefits, including primary and specialty care, hospital care, and prescription drugs. All covered benefits are available for you, beginning on your coverage effective date, even if it’s to treat a pre-existing condition - there are no waiting periods..."
source:Cover Tennessee languages: English from the web page:: "...AccessTN provides comprehensive health insurance for Tennesseans who are uninsurable due to pre-existing medical conditions. Three different plans are available with varying deductibles and participants can select the plan that is best for their situation..."
also from Cover Tennessee: web page: AccessTN Eligibility languages: English from the web page:
"...To be eligible, all new participants in AccessTN must meet each of the following criteria:
• No income limits, no asset test
• Tennessee resident for six months *
• U.S. citizen or qualified legal alien
• Age 64 and under
• Medically uninsurable as demonstrated by one of the following:
..."
"Premiums are capped at no more than two times standard market rates, which is frequently less than the rates applicants would pay for HIPAA plans. In general, premiums will range between $284 and $1,225 per month, depending on age, weight and tobacco use as well as the coverage plan chosen by the participant..."
source:Kaiser State Health Facts languages: English from the web pages: "...Has High Risk Pool Program ... Pool Open Only to Medically Eligibles ... Pool Open to HIPAA Eligibles ... Pool Open to Medically Eligibles..."
"Under federal law, employers are required to allow "qualified beneficiaries" to choose to continue coverage of group health plans when the beneficiary might otherwise lose coverage due to the occurrence of a qualifying event..."
source:Georgetown University Health Policy Institute languages: English from the web page: "...If you are leaving your job and you had group coverage, you may be able to stay in your group plan for an extended time through COBRA coverage..."
Tennessee Health Insurance: Basics; Consumer Guides to Health Insurance TN
source:Tennessee Association of Health Underwriters languages: English from the web page: "...Everyone needs medical care sometime, and the most common way to pay for it is through private health insurance coverage. While most Americans have some type of private coverage, the different types of insurance and how they work can be confusing and difficult to understand..."
source:Georgetown University Health Policy Institute file size: 46 pg.; languages: English from the brochure: "...As a Tennessee resident, you have rights under federal and state law that will protect you when you seek to buy, keep, or switch your health insurance, even if you have a serious health condition..."
source:Foundation for Health Coverage Education 2 pages; languages: English, Spanish from the brochure: "...hand-held guide available that outlines your state’s (Tennessee) public and private health care choices for individuals and groups in almost every demographic profile, as well as offers a reference list of phone numbers and Web sites..."
source:CoverTheUninsured.org file size: 9 pg.; languages: English from the brochure: "...……there are programs that provide health insurance to people who cannot afford to buy it on their own. You or your family members may qualify, even if you work. However, these programs have income and asset limits. In Tennessee, the main programs are Medicaid/ TennCare and CoverTennessee/CoverKids...."
source:Tennessee Department of Commerce and Insurance languages: English from the web page:"(615) 741-2218 or 1-800-342-4029 (inside Tennessee) Consumer Insurance Services exists to educate consumers and mediate insurance-related disputes..."
Tennessee Health Care: State Programs (Free Health Care, Low Cost Health Care)
source:Cover Tennessee languages: English, Spanish from the web page: "CoverRx is a pharmacy assistance program designed to assist those who have no pharmacy coverage, but have a need for medication. CoverRx provides participants affordable access to more than 250 generic medications.."
source:Tennessee Department of Health languages: English, Spanish from the web page: "The Tennessee Breast and Cervical Cancer Screening Program provides clinical breast exams, mammograms, and Pap tests for eligible Tennessee women free of charge. General eligibility guidelines are women ..."
source:Tennessee Breast Cancer Coalition languages: English, Spanish from the web page: FREE MAMMOGRAMS - The Minnie Pearl Cancer Foundation offers free diagnostic mammograms and/or ultrasounds for uninsured and underinsured individuals experiencing current breast symptoms (such as a mass, nipple discharge, discoloration, and/or persistent breast pain)..."
source:Tennessee Department of Health languages: English, Spanish from the web page: "...The Department of Health and the Arthritis Foundation, Tennessee Chapter are the lead partners in the development and dissemination of the Tennessee Arthritis Action Plan. The state arthritis program is ..."
source:Centers for Disease Control and Prevention languages: English, Spanish from the web page: "...Tennessee’s arthritis program works statewide with partners to understand the burden of arthritis, to increase arthritis awareness, and implement programs, policies, and systems that will effect change..."
also from National Association of Community Health Centers (NACHC): web page: Find a Health Center languages: English from the web page: "If you need affordable health care, a Community Health Center may be what you're looking for... Click here to find the health center closest to your address or to see a list of health centers in your state or county/parish..."
"Federally-funded health centers care for you, even if you have no health insurance. You pay what you can afford, based on your income. Health centers provide
•checkups when you're well
•treatment when you're sick
•complete care when you're pregnant
•immunizations and checkups for your children
•dental care and prescription drugs for your family
•mental health and substance abuse care if you need it..."
languages: English from the web site: "Cover Tennessee was developed to create health insurance options that are affordable and portable, and meet the needs of the uninsured in our state. Cover Tennessee has four programs..."
source:Tennessee Commission on Aging and Disability languages: English from the web page: "The Tennessee State Health Insurance Assistance Program is a statewide program that provides free and objective counseling and assistance to persons with questions or problems regarding Medicare and other related health insurances..."
source:The White House 4 pages; languages: English from the brochure: "Support for Seniors - The new law also strengthens Medicare by reducing fraud, closing the gap in the Medicare prescription drug coverage gap, known as the ‘donut hole,’ and providing new benefits for seniors, such as free preventive care and an annual wellness visit. Here’s how the Affordable Care Act helps seniors in Tennessee:..."
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