Health Insurance in Chattanooga, TN

Medical treatments are expensive, but without health insurance they could end up costing you for the rest of your life.

Tanya Garza Insurance Advisors can help you find an affordable healthcare plan that’s right for you. Call now to get a free quote!

There are four main types of health insurance for Tennessee residents to choose from: EPO, HMO, POS, and PPO. Health insurance plans like these help pay for your medical, surgical, and hospital expenses. These plans not only cover your medical needs but also cover your dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.

The four main plan types

• Exclusive Provider Organization (EPO): only covers care from doctors, hospitals, and providers within your network, except in emergencies. You do not need a referral to see a specialist.
• Health Maintenance Organization (HMO): limits coverage to doctors who work for or contract with the HMO. It typically will not cover out-of-network care except in an emergency, and it tends to focus on preventative care.
• Point of Service (POS): you pay less when you use providers in the plan’s network, and you need a referral from your primary care physician to see a specialist.
• Preferred Provider Organization (PPO): use in-network providers at reduced rates, or go out of network without a referral for an additional cost. PPOs are usually the most flexible and comprehensive option.

Health insurance terms worth knowing

Understanding health insurance lingo is one of the first things you should do when talking to your insurance agent about your coverage. The most common terms are:

• Deductible: the amount you pay toward medical bills before your coverage kicks in.
• Co-pay: the amount you pay upfront for doctor’s visits and prescription refills.
• Co-insurance: the percentage of your medical bills you are responsible for after meeting your deductible.

Learn more about health insurance by talking to a licensed insurance advisor today.