Tennessee’s Individual Insurance Policy Regulations
- Insurance companies have the right to turn down individual policy applicants for health reasons.
- Handicapped children may be entitled to coverage after reaching the age of majority under their parents’ policy if the children are unable to support themselves.
- Individual policies must include coverage of certain benefits, including mammograms and prostate cancer screening.
- Pre-existing conditions can be excluded up to two years, and in some cases, can be excluded permanently.
- Pregnancy may be consider a pre-existing condition.
- Premiums can vary according to age and gender.
- Individual policies cannot be cancelled if the policy holder(s) become ill. Premiums may increase as a result when the policy is renewed.
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Tennessee State Insurance Assistance
- TennCare Standard offers those who have been denied individual coverage assistance in getting healthcare insurance. TennCare also offers medical coverage to qualified low income individuals and families.
- TENNder CARE offers children and young adults up to the age of 21 from qualified families healthcare coverage, including check ups, immunizations, vision screening, and hearing screening.
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