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Save
Time, Save Money, and Get
Unbiased Expert Advice
from eTNHealthInsurance
Throughout
our website you will find information on available health insurance plans, supplemental
accident plans, instant quotes, and online applications. Simply follow
the instructions on our How To Guide page,
and you should be able to choose the best plan for your needs quickly and easily.
If
you have any quick questions, feel free to call us at 877-224-2052, or use our
contact form for any quick questions.
However, if you are
considering a plan that is going to cost over $400 per month, or if you plan
on opening a Health Savings Account (HSA) and putting $3,000 or more in your
account each year, your decision may require a little more thought. You
know you need to do something, but you're probably a very busy person and you
might not have time to wade through all this information.
Where
to Get Your Information and Advice If
you want to discuss your health insurance needs with someone, you have several
options. You could just put your name and contact information in a "Request
for Quote" type website. They will sell your information, and in
a matter of hours you will have several insurance agents calling you, telling
you why their plan is the best one. Because the insurance business is
easy to get into, many of these salespeople may have been selling used cars
or vacuum cleaners last week. They may sell you a policy today, but
when you call them in 6 months about a claim issue, all you may find is a
disconnected number. Another
option is to open the yellow pages, and call your friendly neighborhood agent.
This person probably sells life insurance, auto insurance, home owner's insurance,
and a little health insurance on the side. They may only have one or
two plans to offer you, and they probably only have a cursory understanding
of Health Savings Accounts. When your rates start going up in a year
or two, all they can do is shrug their shoulders and say "sorry." However,
your BEST option would be to request a consultation with eTNHealthInsurance.
We will provide you expert analysis on numerous available insurance plans
in your area, informed and unbiased advice on the best options for you, and
exceptional follow-up service for as long as you remain a customer.
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How
a eTNHealthInsurance
consultation saves you time and money
eTNHealthInsurance
is the leading health insurance broker in the state of Tennessee specializing
in plans for individuals and families. We offer dozens of plan options
from eight different insurance companies. Yet we are a very small company,
dedicated to superior customer service. Personal consultations are done
only by our Professional Advisors.
We have decades of experience in the health insurance business, and we each
personally help more individuals and families in Tennessee each year than just
about any other agent in the state. We know which plans offer the lowest
rates, which ones have the best PPO networks, which ones tend to have the most
stable rates, and all other pertinent details. And we know how to save
you time and money. If
you've looked at the instant
quotes, you've no doubt seen a large number of plans with quite a wide
price range. There can be a dizzying number of choices, some dramatically
more or less expensive than others. Sometimes the least expensive plan
is your best choice - but not always. Some plans have limitations on doctor
visits and prescription drugs. Others may not have your doctors in their
network. We'll help you sort through the confusion, so that you end up
with the best plan for you. After
you get your coverage in place, we make sure that you continue to save money
and stay in the best plan for your needs, year after year. Because rates
change, the plan you sign up for today might not be the best plan in a year
or two.
For
these reasons, every year we offer to do a no-obligation Annual Comprehensive
Policy Review, in which we review available plans and make recommendations
about whether you should consider switching to a different insurance company.
We also keep you informed about changes in health insurance premiums, Tennessee
law changes, HSA contribution limits, or other issues that might affect your
money or your health. This will save you thousands of dollars over the
coming years. Choosing
the right health insurance plan is an important decision. If you have
any hesitation about doing it yourself, then you owe it to yourself to get professional
advice.
Couple now saving $4,500 per year in
premiums and taxes While
her husband's job provides him with excellent coverage through a Cigna group
plan, Rosemary and Billy Wright of Alta, CA, found themselves in the same
dilemma as many others. They were finding it increasingly difficult
to keep up with the rising cost of their group health insurance plan.
While Billy's company pays for his coverage, the cost of keeping his family
on the plan exceeded $600 per month, and was more than they could continue
to pay. After consulting with me, Billy remained on his company-provided
plan, and switched his wife and three children to an Anthem HSA 100% plan
with a $2,500 deductible. This lowered his premium to just $283.10 per
month, saving him over $317 every month. He
is using part of that savings to fully fund his HSA account with $2,500 each
year, in effect giving his family zero-deductible 100% coverage, which is
still costing him less than his previous plan. The HSA contribution
is also saving him an additional $700 from his income taxes each year. So
his total savings are $3,804 per year in premiums, and $700 per year in taxes,
amounting to an additional $4,500 in his pocket each year. Now if any
family members do have medical bills, the Wright's can simply pay those bills
with dollars set aside in their HSA, money on which they paid no income taxes.
Since the Wrights say they never spend that much on medical cost during most
years, any money left in the account will remain theirs, building for their
retirement instead of winding up in the bank account of another insurance
company.
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The
eTNHealthInsurance
Health Insurance Consultation
During
this phone consultation we will take you through a process which will identify
the best insurance company and plan for your needs. We will help you narrow
down your choices, review the pros and cons of the various options available,
and provide our professional recommendation. We will then assist you in
getting enrolled in the plan of your choice. Specifically, all consultations
include the following: -
A detailed
analysis of available plans in your zip code area, and our professional recommendations
-
Determination
of which insurance company to go with, which plan, and which deductible
-
An Income
Tax Savings Estimation, and a Future Value Projection to estimate
how much money could accumulate if you choose an HSA-qualified plan
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A PPO
Network Verification, to make sure that your doctors and hospitals are
in the PPO network of the insurance plan you choose
-
Decision
on whether or not to include a supplemental accident plan with your coverage
-
A Pre-submittal
Application Review to identify any potential underwriting problems
-
Examination
of your contribution plans for your HSA (if you choose this type of plan)
in order to identify which administrator would best meet your needs; and a
calculation of your maximum monthly HSA contribution
-
Priority
Underwriting Check, so we can keep you informed of your application during
the approval process
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Personal
review of your policy once you've been approved
-
Personal
assistance should you need to request that any unexpected exclusions be removed
from your policy
-
Annual
Comprehensive Policy Review, to make sure you continue to save money
and stay in the best plan for your need
When
we are finished with our meeting, you will have a clear understanding of the
plan you are getting, and why it is your best choice. The process will
be easy, hassle-free, and you will never have to shop for health insurance again.
Perhaps
most important of all is how we treat our customers. We are not interested
in "selling" you a policy. Our objective is to help you make
the right decision for your needs, and to earn a customer for life. These
comments are typical of what we receive:
“I
think the personal service was the greatest thing. I had several questions
in the beginning and I think it is wonderful that I can call Leslie any time
with questions.” “I
was very happy with my first phone call with Diane
Dunning. I had a list of questions and she answered all of them and made
me feel like I was making the right decisions. She was friendly and comfortable
to speak with.” “I
have not had insurance before and was taking the time to figure out if an
HSA was the right thing for me. The biggest benefit for me is that I am healthy
and young, so I rarely need a doctor’s attention aside from the normal
check-ups. I see this choice as an investment, and I like that the money isn't
just disappearing.” “I
think the personal service was the greatest thing. I had several questions
in the beginning and I think it is wonderful that I can call Leslie any time
with questions.”
Jessica
Rodriguez
Sherman Oaks, CA
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"I
am very, very satisfied with the service I received from your company."
I am very, very
satisfied with the service I received from your company. I had shopped
around for a health insurance plan two years prior to contacting your organization,
and was not able to find a suitable plan. Part of the problem was that
I was not aware of the option of opening an HSA account. Then I beTXme
frustrated when I discovered that in order to open an HSA account, I needed
to switch my insurance plan to an HSA-certified health plan. But, this
frustration was diminished by finding your web site and organization.
Everyone was helpful, considerate, and quick to respond to my questions.
I now have a plan in place, and I have recommended you to two of my friends
who are facing loss of their insurance (as they move to freelance positions,
rather than as employees). Thanks again.
Rebecca
Nunnelee
Santa Monica,
CA
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Request
a Consultation Now
Most
financial advisors charge $1,000 or more each year in fees and commissions
to help their clients avoid taxes and build their retirement accounts.
Yet very few have an understanding about health insurance, or health savings
accounts. When
you request an appointment with eTNHealthInsurance,
you get to speak to one of the state's leading experts on individual and family
health insurance plans, and pay no consultation fee. You will save money,
the process will be easy, and you will have direct access to your agent for
the lifetime of your policy. The bottom line is that you will save money
by doing business with us. Please
only request an appointment if you are serious about choosing a plan and getting
enrolled. If you are just wanting to “check some quotes”,
please call someone like e-health insurance. They have 150 operators standing
by to give you quotes and read information off their monitors. But if
you would like to get honest, accurate, and complete information, from a true
expert, with no agenda other than to help you choose the best plan, then
request a consultation time with one of us at eTNHealthInsurance
. Please
be aware that we place a high priority on taking care of our customers and making
sure they are very well informed. It takes time to deliver this level
of service so we stay very booked and only have a limited number of personal
consultation times available each week. So my recommendation is to request
a consultation right away. Our meeting will be friendly, informative,
and with no sales pressure.
To
Request a Telephone Consultation,
Call Our Office Now at 866-585-7661, or Apply
Online
When
you call to request an appointment, the receptionist will ask you a series of
questions to qualify the appointment. You may also apply for a consultation
through our online Consultation Request
form. Once we receive this information, we will review it and send an email
confirming the appointment. BeTXuse of the high demand on our time, we will
only confirm your appointment request if we feel like we can help you. If health
conditions exist which will prevent us from offering coverage, we will cancel
the appointment and let you know your best options.
Appointment
Preparation
Before
the appointment, please review your instant
quotes so you have a feel for what plans are available. Also,
if you have general questions about what plans are available in Tennessee,
you will find that information on our website. We will confirm your appointment
via email, and at the scheduled time we will call you at the phone number you
provide.
Our
Extreme Satisfaction, 100% Money-Back
Guarantee
We
are so confident that doing business with eTNHealthInsurance
will save you time, money, and frustration, that we offer this unheard-of guarantee.
If you purchase a health insurance plan and are not totally thrilled with the
service you receive from us before you apply, while your application is in the
approval process, or within 10 days after you have been approved, you can receive
a 100% refund of your initial premium. If you are unhappy with our service
any time in the future, we will also personally assist you in finding coverage
through a different insurance agency, at absolutely no cost to you. Call
866-565-7662
Now (or Click Here)
to Request Your Telephone Appointment
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