Humana Health Insurance Tennessee 

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Humana of Tennessee has earned the A (Excellent) rating from independent insurance rating organization A.M. Best. With more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, the Humana ChoiceCare Network serves 1.3 million PPO members. You can choose from Humana doctors throughout the United States. With this extensive network, you won't have to change your insurance if you move around the country.

As a division of Humana Inc., HumanaOne offers affordable health insurance for individuals and families, such as self-employed entrepreneurs, students, recent college graduates, early retirees, and those who may be uninsured. HumanaOne offers flexible "build-your-own" plans so you can select many features usually found only in group health plans. That includes negotiated rates, wellness benefits, and special discounts.

Humana in Tennessee has redesigned health savings accounts (HSAs) to meet the needs of Tennessee residents with the most popular and competitive plans. With strong coverage, good rates, and a large PPO network, Humana offers three HSA plans. The Total Plus Rx/HSA plan has a 5-million-dollar lifetime limit, and covers outpatient prescription drugs. The Total HSA and the Share 80/HSA plans have a 2-million-dollar lifetime limit, and cover prescriptions while you are hospitalized.

You can run an instant quote to see detailed information about plan details, limitations, and restrictions.  Or contact us and we will help you decide on a plan that is right for you and your family.

Rate Information:

Rates on Humana plans in Tennessee are available on our instant quote page.

Rates vary based on age, zip code of residence, and other factors.  Humana rates are very competitive, particularly for their higher deductible plans.  When running your quote, please note that rates are often lower when placing the younger spouse as primary insured.

The premium can be paid via monthly, quarterly, semi-annual, or annual billing, or a monthly bank draft.  There is a $10 fee for quarterly and monthly billing.  The bank draft will occur on the premium due date each month.  The initial premium can be paid with a check or credit card.

Network:

Humana utilizes the ChoiceCare network.  Insureds can use Humana doctors throughout the United States.  View the complete ChoiceCare PPO Network (check the HumanaOne and Member radio buttons, enter your zip code and click Go.  Then select the Humana/ChoiceCare PPO Network and click Go).

Humana's ChoiceCare Network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.

The Humana plans are portable, so you can move throughout the country without having to change insurance companies, and still have access to their large network.

Underwriting:

The Humana Health Insurance underwriting process is extremely fast.  Someone from their underwriting department will call you to do a telephone interview.  Often times you can be given a conditional approval during the telephone interview, if no medical records are needed.  If medical records are needed, Humana issues a decision within 48 hours after receipt of records.

One important aspect of Humana's underwriting process is that it is done up-front only, when the application is submitted.  Many insurance companies will underwrite again when a claim is submitted, and may retroactively place a waiver on a plan if a claim occurs in the first 12 months and they determine that it was a pre-existing condition.  With Humana, if you do not receive a rate up or rider when you receive the policy, they cover the condition based on the plans benefits, and do not re-underwrite.

Underwriting guidelines appear to be more lenient for plans with deductibles of $2,500 or higher.

By the way, Humana has a history of paying claims quickly and currently pays 92% of all claims in 8 days or less.

Effective dates:

If you currently have or have recently had coverage, you can request an effective date any time between the day you apply and 45 days later.  If an underwriter gives you conditional approval, your health insurance coverage can go into effect immediately.  If you have not had major medical health insurance within the past two months, you will have the choice of an effective date of 30 to 45 days after the application submission date.

How to Apply:

Simply run an instant quote and select the plan you are interested in.  Then select to apply online or download the application, fill it out and fax it in to us.  We will then stay in touch with your during the underwritting process to keep you informed of the progress.

About Humana Health Insurance of Tennessee:

HumanaOne offers affordable health insurance coverage for individuals and families, such as self-employed entrepreneurs, students, recent college graduates, and early retirees, and those who may be uninsured.  HumanaOne is a division of Humana Inc., one of the nation's largest publicly traded health benefits companies, with over 11 million medical members as of 2008, in 18 States and Puerto Rico.

HumanaOne offers flexible "build-your-own" health insurance plans that let consumers choose from many of the features usually found only in group health plans, such as negotiated rates, wellness benefits, and special discounts.

Humana has been assigned an "A-" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization.  A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance.

eTNHealthInsurance is an independent authorized Humana agency. 

Humana Health Insurance of Tennessee in the News

Humana Upgraded To Market Perform At BMO
Humana Upgraded To Market Perform At BMO

Humana Inc. to Present at the Wedbush Securities Life Sciences Best Ideas Conference
LOUISVILLE, Ky.--(BUSINESS WIRE)--Humana Inc. (NYSE: HUM) announced today that Regina C. Nethery, vice president of investor relations, will make a presentation to investors at the Wedbush Securities Life Sciences Best Ideas Conference on Wednesday, August 3, 2010, at 11:10 a.m. eastern time. A live audio webcast of the presentation along with the accompanying slides will be available via Humana ...

Humana collaborates with HealthCompare to help individuals in health insurance plan
Humana, one of the nation's leading health and supplemental benefits companies, has entered into an arrangement with HealthCompare, (www.healthcompare.com), a one-stop online guide to help individuals and families easily research, compare, buy and enroll in a health insurance plan at the right price. While this arrangement is new for Humana and HealthCompare, it builds ...

Earnings Preview: Humana reports 2Q earnings
Health insurer Humana Inc. reports second-quarter results on Monday before the market opens. WHAT TO WATCH FOR: Analysts will look for signs of improvement in Humana's commercial sector, which has struggled amid the sluggish economy as employer-sponsored insurance enrollments declined.

Humana Joins Forces with HealthCompare
ORANGE, Calif.----Humana, one of the nations leading health and supplemental benefits companies, has entered into an arrangement with HealthCompare, , a one-stop online guide to help individuals and families easily research, compare, buy and enroll in a health insurance plan at the right price.

Humana upgraded to market perform at BMO Capital
This is a Real-time headline. These are breaking news, delivered the minute it happens, delivered ticker-tape style. Visit www.marketwatch.com or the quote page for more information about this breaking news.

Humana Names Florida Commercial Market President
TAMPA, Fla.----Humana Inc. has named Tim Love president of its Florida commercial operations.

Stocks to Watch: Stocks in focus Monday: Humana, NRG, VeriSign
Among the companies whose shares are expected to see active trading in Monday's session are Humana Inc., NRG Energy Inc. and VeriSign Inc.

Humana Endorses HITRUST Program to Promote Health Care Information Security and Achieve Cost Savings
LOUISVILLE, Ky.----Humana Inc. announced today it will accept the results of assessments conducted under the HITRUST Common Security Framework Assurance program as a means to evaluate and verify its business partners capabilities for protecting health information.

Humana Names Tim Love Florida Commercial Market President
Statewide market leader has nearly 20 years of health benefits experienceTAMPA, Fla. -- Humana Inc. ...