World Health Insurance Tennessee 

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World Insurance of Tennessee has an agreement with Great-West Healthcare to offer you access to the Great-West Healthcare PPO Network. Serving over 2 million people, this national network includes more than 530,000 providers and 4,200 hospitals. Having access to this PPO network can mean substantial discounts in what you pay for your health care, even before your deductible is met.

As a resident of Tennessee, you'll find that World Insurance of Tennessee can help you get the health care coverage you need at a price you can afford. In addition to the Great West Health Network, World Insurance in Tennessee has a choice of networks for those living in the 377 - 379 zip code areas.

World Insurance of Tennessee also helps you take control of your health care dollars with a health savings account (HSA). That's a savings account that can be combined with a high-deductible health plan. Such plans help you save by sharing more of the smaller expenses, such as doctor visit costs. You can deposit tax-deductible money into your HSA, and then use the money for health care expenses not covered by insurance. World Insurance also offers an inexpensive catastrophic plan - the Value Advantage Plan. That can give you the security of knowing you're protected from the catastrophic cost of major illness or injury. To see complete plan details, limitations, and restrictions immediately, just run an instant quote, or contact us and we will help you decide on a plan that is right for you and your family.

Rate Information:

Preferred rates without riders are available on our instant quote page.  The quoted rates are for the $5 million maximum benefit, and do not include optional benefits such as term life, supplemental accident, maternity, and Rx riders.  They also do not include $7.50/month dues for membership in the National Consumer Alliance Association (NCA), which endorses these plans and gives members access to valuable products and services. 

If you are not replacing current coverage, you will be issued a policy with standard rates, approximately 8% higher than preferred rates.

Please contact us for rates on the optional benefits.  Rates depend on gender, smoking status, zip code, and health status.

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

The following chart shows when you can expect payment to be deducted from your credit card:

App Effective Date Credit Card Charged 1st of the month 1st of month 2nd - 5th of month 5th of month 6th - 10th of month 10th of month 11th - 15th of month 15th of month 16th - 20th of month 20th of month 21th - 28th of month 25th of month

Network:

World Insurance recently signed an agreement with Great-West Healthcare, a division of Great-West Life & Annuity Insurance Company.  Having access to the PPO network can mean substantial discounts in what you pay for your health care, even before you meet your deductible.  Great-West Healthcare operates a substantial multi-state (national) healthcare network that includes more than 4,200 hospitals and 530,000 providers.  It provides network and other services to more than 2 million people.  Find a Doctor

In addition to the Great West Health Network, a choice of networks are available in the following ZIP codes: 377-379: Multiplan, PHCS, TN Healthcare.

Underwriting:

Underwriting of your application with World Insurance normally takes two to four weeks, though if medical records are ordered it could take longer.  World's underwriting seems fairly lenient compared to many other companies, and often accept applicants who may have been turned down by other companies.

It is standard practice for them to request a Blood Pressure Inquiry if you are currently being treated for or have recently discontinued treatment for high blood pressure.  Certain conditions may be waivered with a temporary rider (usually for one to twos years), or an indefinite rider.

Effective dates:

The earliest your coverage can go into effect is ten days after you have signed your application.  You may request an effective date any time between 10 and 60 days after you sign your application.

Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date. If you have claims during this period, they will be eligible for coverage if submitted after you have been approved.

Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either eTNHealthinsurance or directly from World Insurance that your coverage has been approved and is in force.

How to Apply:

Simply run an instant quote and select the plan you are interested in.  Then 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 World Insurance of Tennessee:

World Insurance was founded in 1903 in Omaha, Nebraska, as the World Accident Association.  The company began hiring agents in 1925 and became World Insurance Company in 1929.  The first general agency was established in Colorado in 1938.  In 1943, World mutualized and was authorized to sell life insurance as well as accident and sickness policies.

By the late 1950s, World was licensed in 45 states with 500 agents nationwide.  The company's product portfolio included a wide variety of individual hospital, life and disability policies.

Today, World is licensed in 46 states and the District of Columbia.  More than 11,200 general agents and agents represent the company.

World Insurance has been assigned a rating of A- (Excellent) from the A.M. Best Company, an independent insurance rating organization.

eTNHealthInsurance is an independent authorized World agency. 

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