TENNESSEE DEPARTMENT OF COMMERCE AND INSURANCE Open Registration for medical insurance protection on the Federally Helped with Marketplace started Nov. 1, and Tennesseans have up until December 15, 2018, to get or re-enroll in coverage for the 2019 calendar year.According to the
the Tennessee Department of Commerce and Insurance Coverage, Bright Health is going into the Tennessee market for the very first time in 2019 and Celtic Insurance
(appearing on the FFM as “Ambetter of Tennessee”) is returning to the market. BlueCross BlueShield of Tennessee, Cigna, and Oscar Health continue to use products in Tennessee.To help customers in evaluating their choices, TDCI has put together a list of carrier discussions and protection locations.
– BlueCross BlueShield of Tennessee: Statewide protection other than for the Memphis and Nashville areas.
– locations. – Celtic(Ambetter)Insurance Coverage: Coverage offered in the Chattanooga and Memphis locations. – Cigna: Protection continues in the Nashville, Memphis, and Tri-Cities areas with protection growth into theKnoxville area. – Oscar Health: Coverage continues in the Nashville location with coverage expansion into the Memphis area.(Please keep in mind: Oscar strategies are available off-marketplace. A technological concern is presently preventing Oscar plans from appearing on healthcare.gov.)”The broadened healthcare strategy choices for 2019 give Tennesseans more options,”TDCI Commissioner Julie Mix McPeak stated.”One new provider is using coverage in our market, one provider is going back to Tennessee, and two others have actually expanded their coverage area. This will mean Tennesseans will see competition in locations of the state, like Chattanooga, Knoxville, and Memphis, where there has been little to none in previous years. “In addition to expanding coverage options, for the very first time in the ACA market period, the Tennessee Department of Commerce and Insurance authorized
premium rate reduces for 2 long time market participants. Though reductions will reduce premium rates, an individual’s out-of-pocket premium expenses depends on several factors, including the quantity of Advanced Premium Tax Credit subsidies; for that reason, some customers may experience an increase in out-of-pocket expenses for protection. Customers must
get in touch with licensed insurance coverage representatives or business agents for assistance in thinking about 2019 strategy coverage.The Department emphasizes the need for consumers to carefully review plan networks. If you like your doctor, make sure he/she is consisted of in the plan network and inspect provider directories for regional
medical facilities to guarantee easy access to’ in-network’services, where possible. Several plans offer minimal or no out-of-network benefits. All marketplace plans are unique company companies (EPOs), indicating they do not supply out-of-network advantages, with few exceptions. To avoid unforeseen and unpleasant balance bills, inspect your provider’s network ahead of sees when practicable.To help with enrollment/payment problems or network questions, the Tennessee Department of Commerce and Insurance has published contact numbers for each of the providers. In addition, the Department created an< a href ="https://www.youtube.com/watch?v=imJRBmQMnVQ&feature=youtu.be"> educational video as well as a protection area map of Tennessee for 2019. IMPORTANT DATES: November 1, 2018: First day to register, re-enroll, or change a 2018 insuranceplan.December 15, 2018: Open Enrollment on the FFM ends.January 1,2019:
Protection starts for those who
- register or alter plans by December 15. Concerns about Open Enrollment? Contact the Tennessee Department of Commerce and Insurance coverage at 1-800-342-4029 or 615-741-2218
- . To inspect a license of a professional controlled by the Department, go to http://verify.tn.gov/.