View Rates, Benefits and Apply for 2022 Plans HERE
We have written this guide to help you make an educated decision about your health insurance plan for the 2022 plan year. It includes information about the carriers, their networks to date and some plan guidance for the different plans available in Tennessee for the 2022 plan year, including helpful advice on applying for a plan.
You do not pay anything extra for our help and applying through us is the same as applying through the Marketplace except you get expert help. That is because the price of all Individual and Family health plans includes compensation paid to Agents, whether you take advantage of our help or not.
How to pick the most appropriate plan to meet your needs
- Run your Quote HERE. Be sure to Save your quotes using your proper name.
- Making sure to enter your preferred Doctors & Hospitals when given the chance during the quoting process.
- Using My Notes Below, focus on the carrier that is showing more of your preferred hospitals in network.
- The key with any plan is to confirm that your doctor is in-network before you apply. All plans are EPO Networks, meaning there is NO out of Network Coverage except for true emergencies.
- Choose your Plan then click Add to Cart then Start Application
- Call us if you run into trouble while applying and tell us you are stuck so we can help you. As long as you use the link found in this email to quote & apply, we can pop into your application on the page you are stuck on and finish the application with you over the phone if you need help.
When Buying from the Marketplace, ALL the plans are Major Medical plans, and ALL have these benefits:
- You cannot be turned down or charged more if you have a pre-existing condition.
- Your Medical Record cannot be looked at when calculating the price of your health insurance plan, which means you will not receive a higher price because of your medical history.
- All preventive services are free and at no cost to you. Here is the link from HealthCare.Gov to the list of preventive services available to anyone with a major medical health plan: https://www.healthcare.gov/coverage/preventive-care-benefits/
Except for the Hospitals that are talked about below, everything about the insurance carriers will be relevant no matter what part of TN you live in. If you do not live in Nashville and would like to know what hospitals in your area are in network, give us a call and we would love to assist you!
United Healthcare
Key Nashville Hospitals in Network (always check with your provider before purchasing an insurance plan to confirm that they are in network with that plan)
- Tristar
- Saint Thomas
Pros
- Has most of the hospitals in Nashville
- Covers most areas in TN
- Offers plans with both free doctor visits and free virtual visits
Cons
- Does not have these key Nashville Hospitals in Network: Vanderbilt, St Thomas Midtown, and Tristar Skyline
- The only Carrier in TN that requires a referral to see a specialist
- Their plans are expensive for what you get
Recommended plans in each category
- Bronze – UHC Bronze Value+ ($3 Rx + 3 Free Primary Care & 6 Free Virtual Visits)
- Silver – UHC Silver Advantage+ Extra
- Gold – UHC Gold Advantage+ Extra
Ambetter
Key Nashville Hospitals in Network (check with providers)
- Vanderbilt
- Saint Thomas
Pros
- Number one carrier on the marketplace for the past 5 years
- You do not need a referral to see a specialist
- Most affordable plans in TN.
- Biggest selection of plans to help meet your needs
- Almost every county in TN has Ambetter
Cons
- Does not have the Tristar hospitals in network
Recommended plans in each category
- Bronze – Essential Care 5 or Essential Care $0
- Silver – Balanced Care 11
- Gold – Ambetter Secure Care 5 or Ambetter Secure Care 20
Cigna
Key Nashville Hospitals in Network (check with providers)
- Vanderbilt
- Tristar
- Saint Thomas
Pros
- Only Carrier with most of the major hospitals in Nashville: Vanderbilt, Tristar, Saint Thomas.
- Offer plans specifically designed to help with Asthma and Diabetic patients
- You do not need a referral to see a specialist
- Affordable plans that help meet your needs
Cons
- No Obvious downsides to Cigna. This does not mean that they are perfect and that no one will have negative experiences dealing with them but this goes without saying for every insurance carrier.
Recommended plans in each category
- Bronze – Cigna Connect 6800 Enhanced Diabetes Care ($0 Preferred Insulin)
- Silver – Cigna Connect 3200 ($0 Tier 1 RX, $0 Telehealth) or Cigna Connect 0 ($0 Deductible, $0 Telehealth)
- Gold – Cigna Connect 1000
Oscar
Key Nashville Hospitals in Network (check with providers)
- Tristar
- Saint Thomas
Pros
- You do not need a referral to see a specialist
- Riches HSA plan
Cons
- Does not have Vanderbilt, Tristar Skyline, and Tristar Summit in Network
- Does not operate outside of Nashville and Memphis
Recommended plans in each category
- Bronze – Bronze Classic- $4700 Deductible or Bronze Elite- $0 Deductible
- Silver – Silver Classic- $0 Deductible ($3 Drugs + $0 Virtual Care) or Silver Simple- Specialist Saver ($3 Drugs + $0 Virtual Care)
- Gold – Gold Classic ($3500 Deductible)
BlueCross BlueShield of Tennessee
Key Nashville Hospitals in Network (check with providers)
- Vanderbilt
- Saint Thomas
Pros
- Has almost 80% of all doctors and Hospitals in TN and is in every county
- You do not need a referral to see a specialist
- Has the option of a smaller network of hospitals in return for better prices
Cons
- Their Two Network System could be confusing at times
- Plans have almost no copays (plans are not very helpful)
- Does not have Tristar hospitals in their Network
- Does not have St. Thomas West in Network
Recommended plans in each category
- Bronze – Bronze B11S $25 PCP Copay + Free Telehealth
- Silver – Silver S01S Free Telehealth
- Gold – Gold G07S $10 PCP Copay + Free Telehealth
Bright Healthcare
Key Nashville Hospitals in Network (check with providers)
- Tristar
Pros
- You do not need a referral to see a specialist
- Some of the most affordable plans in TN
Cons
- Does not have Vanderbilt or Saint Thomas in Network
Recommended plans in each category
- Bronze – 7200 or Bronze $0 Medical Deductible
- Silver – Silver 3000 or Silver $0 Deductible
- Gold – Gold 1000 or Gold $0 Deductible + Adult Dental & Vision
