Great news! If you currently suffer from an existing medical condition, in 2014, health insurance plans won’t be able to refuse to cover you or charge you more because you have a pre-existing health condition. Even if you have been refused coverage due to a pre-existing condition in the past, you will no longer be refused coverage relating to the treatment of that ailment. We strongly recommend reviewing any plan you are considering with a licensed health insurance agent, but especially if you are considering coverage for a pre-existing condition. You are still required to pay deductibles, and choosing a wrong plan or one outside of your doctor’s network could cause unseen costs.
The only exception is for grandfathered individual health insurance plans–the kind you buy yourself, not through an employer. They do not have to cover pre-existing conditions. If you have one of these plans you can switch to a Marketplace plan during open enrollment and immediately get coverage for your pre-existing conditions. Or if you have had a qualifying life change you can see if you qualify for a Special Enrollment Period. If you have a pre-existing condition and you have questions, please feel free to contact one of our health insurance Agents in TN.
We know you have a lot of choices for your health insurance providers in Tennessee, and we’re grateful for the chance to serve you. If you have a Pre-Existing Condition and are seeking help from the TN Health Insurance Exchange, our agents would be glad to assist you! Our agents are from every corner of the state ready to serve your needs in Nashville, Knoxville, Chattanooga, Jackson and all surrounding areas in East, Middle and West Tennessee. We would be delighted to connect you to one of our local TN agents in as little as 24 hours. Please call us at (615) 610-1440 if you have any questions.