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.

You can also learn more about Humana Dental Plans.

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.

Additional Coverages

HumanaOne also offers several additional forms of insurance coverage. These include things such as:

• Critical Illness:  Pays a set amount of money for a cancer diagnosis or heart attack.  Visit our Humana Critical Illness page for more information.
  
  
• Hospital Cash Value:  Pays a set amount of money in the event of hospitalization or emergency room treatment.  Visit our Humana Cash Value page for more information.
  
  
• Memorial Fund:  Whole Life Insurance designed to pay your final expenses and more.  Visit our Humana Memorial Fund page for more information.

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. 

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