Lower Premiums Under New Law
- Pre-existing conditions are covered
- No health questions
- Some qualify for a zero-monthly premium
Call us at 731-288-3540
Call us at 731-288-3540
BlueCross BlueShield of Tennessee individual healthcare plans will now be offered in all 95 Tennessee counties. Open enrollment will be available November 1 – December 15 for a January 1, 2020 effective date.
So what does this mean?
Starting in January of 2017, BlueCross BlueShield policies stopped being offered through the healthcare.gov website in Memphis and Nashville and their surrounding counties. This meant that people living within certain zip codes in Tennessee could not access the healthcare.gov website to obtain a BlueCross BlueShield health insurance policy. All that is now changing! The following counties will now offer a BlueCross BlueShield Affordable Care Act (ACA), also known as Obamacare, health insurance plan:
Nashville Region
Memphis Region
With the constant changes and confusion surrounding health insurance, it is easy for Tennesseans to get lost in the shuffle. White & Associates is staffed with Healthcare.gov accredited agents who are available to walk you through your healthcare options, answer questions regarding potential insurance plans and complete the enrollment process. We can help over the phone or in person. Beginning in 2007, we have assisted over 30,000 Tennesseans in obtaining affordable healthcare coverage.
If we can help anyone in your area, please do not hesitate to provide them with our phone number or address. The healthcare.gov website can be a tricky thing to navigate and we can help from start to finish. You need to act fast! You will only have 45 days from November 1 – December 15 to sign up for a health insurance plan.
Toll Free: 1-800-842-1556
220 North Main Avenue
Dyersburg, Tennessee 38024
In today’s market, High Deductible Health Plan (HDHP) and Health Savings Account (HSA) popularity continues to increase as companies look to control rising healthcare costs. However, some employers are still hesitant to offer a HDHP-HSA because they do not fully understand how it may benefit their employees and their company. Often times, if a company does offer a HDHP option, many employees enroll in that plan option because of the lower price, but never set up a Health Savings Account (HSA) to go with it. It is common for employees to focus on their increased paycheck, and miss the opportunity to save for the future and/or meet the higher deductible. Our mission is to help companies and their employees fully understand what a HSA is, how it can be used and how it can benefit them. Today we are going to start with the basics.
Simply put, a HSA (Health Savings Account) is a tax-favored savings account created for the purpose of paying medical expenses.
To get the benefits of a HSA, the law requires that the savings account be combined with a qualified high deductible health insurance plan which usually costs less than other health insurance plans. In 2019, the minimum annual deductible of a HSA-qualified plan for an individual is $1,350 and $2,700 for a family. The out-of-pocket max is $6,750 for an individual and $13,500 for a family. – Please note that you do NOT have to be enrolled in an employer-sponsored plan to have a HSA. Some individual health plans offered through the marketplace or purchased directly from carriers are also HSA-Qualified.