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Best Health Insurance Agencies in Chattanooga

2024

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Website
240 Forest Avenue, Chattanooga, TN 37405
  • Life Insurance

Why choose this provider?

Headquartered in Chattanooga, Haren Insurance, Inc., is an insurance service provider that serves businesses. This agency specializes in employee benefits, offering an array of services and products, including health insurance, medical, vision and dental coverage, and disability insurance. Furthermore, it provides supplemental insurance, life insurance, and telemedicine plans. Company president Kyle Haren has been in the health insurance industry since 1993. In 2004, Kyle received his designation as a registered health underwriter. He previously served as president of the Chattanooga Association of Health Underwriters.

License Verified:

License: 1944635

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Website
3320 Dayton Boulevard, Chattanooga, TN 37415
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

River City Insurance is a locally-owned agency in Chattanooga. Its team of licensed agents assists clients from start to finish, procuring a personalized insurance plan and providing guidance through the claims process. The company has a range of comprehensive health insurance products, including dental and vision coverage, long-term care, supplemental insurance, and HSAs. It also handles policies on auto, home, life, and business insurance. The company conducts annual policy reviews and revises insurance plans accordingly for continuous security and value.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.0 / 5 (54)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
114 Lee Parkway Drive, Chattanooga, TN 37421
  • Individual Plans
  • Life Insurance

Why choose this provider?

Sunbelt Insurance is an insurance agency that caters to individuals and businesses in the Chattanooga area. The company recognizes that people are working tediously for their families, which motivates the company to offer health insurance. It also aims to help customers understand recent policies that have affected the insurance landscape in the country. Mark Slater, Jr., the president, has been with Sunbelt Insurance since 1987 and purchased the company in 2011. He is also a Certified Insurance Counselor.

License Verified:

License: 2792822

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (20)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
50 Frazier Avenue, Chattanooga, TN 37405
  • Life Insurance

Why choose this provider?

Beene Insurance Agency, LLC, provides health coverage options for communities in Chattanooga. Its long-term care policies include home health, facility, and shared care as well as inflation protection. It also has policies that secure properties such as home, auto, and recreational vehicles, as well as commercial lines of coverage for auto and liability. Beene is an independent agency with carriers such as Travelers, Progressive, Nationwide, and MetLife. Founder Mitchell Beene has over three decades of insurance expertise and is an active member of his parish community.

License Verified:

License: 830424

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.6 / 5 (9)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
109 Jordan Drive, Chattanooga, TN 37421
  • Individual Plans

Why choose this provider?

MedicareMisty delivers the insurance needs of customers in Chattanooga. It offers an array of Medicare options, including common variations of Medicare Advantage Plans like HMO, special needs plans, PPO, and private fee-for-service plans. The company also provides Medicare Supplement plans, as well as a combination of Medicare Advantage and VA benefits for veterans. With a strong focus on people’s health and security, the MedicareMisty team helps its clientele find policies that suit their healthcare needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (40)
Facebook
5.0 / 5 (16)

Website
246 East 11th Street, Chattanooga, TN 37402
  • Individual Plans
  • Life Insurance

Why choose this provider?

American Exchange provides health and Medicare solutions to clients in Chattanooga and the surrounding areas. The business offers public and private healthcare, benefit plan, and revenue cycle management, in addition to Medicaid. It also provides individual and group coverage for life and disability insurance. Its CEO, Bobby Huffaker, serves on several local non-profit boards and continuously gives back to the community. American Exchange also offers support services, such as TPA consulting, outreach, and insurance enrollment assistance.

License Verified:

License: 2004928

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (96)
Facebook
5.0 / 5 (39)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2245 Olan Mills Drive, Chattanooga, TN 37421
  • Group Plans
  • Life Insurance

Why choose this provider?

The insurance experts at Atlas Insurance Agency have over five decades of collective experience providing business and personal insurance solutions in and around Chattanooga. They offer group health insurance plans and help create tailored group benefits for each employer. Their services also cover life, automobile, home, and recreational insurance products. A locally owned and operated company, Atlas Insurance Agency has over 19 professionals who work with multiple insurance carriers. A previous client has praised the company for its responsive insurance agents.

License Verified:

License: 2237792

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (321)
Facebook
4.8 / 5 (69)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1672 Oak Ridge Turnpike, Chattanooga, TN 37830
  • Individual Plans
  • Group Plans
  • Life Insurance

Why choose this provider?

Carriage Hill Insurance | Risk Management is an independent insurance agency that caters to individuals, families, and business owners in and around Chattanooga. It provides individual health and dental insurance policies, including Medicare Supplement plans. It also customizes employee benefit programs, which include group health, dental, and vision insurance. Moreover, the agency offers insurance coverages that protect residences, businesses, and vehicles. In 1984, Chris Wampler purchased and merged several insurance agencies to form Carriage Hill Insurance.

License Verified:

License: 1414

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
417 Frazier Avenue, Chattanooga, TN 37405
  • Individual Plans
  • Life Insurance

Why choose this provider?

TRM Insurance is a Chattanooga-based agency that strives to take out the financial burden from its clients when they got sick or injured. The service provider offers health care insurance plans that can cover medical bills, hospital expenses, and prescription drugs. The healthcare coverage varies depending on the client's needs. Aside from individual health programs, the business also offers healthcare packages for businesses. The types of health insurance available include dental, vision, long-term care, supplemental, disability, and travel insurance.

License Verified:

License: 2308199

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
4767 Highway 58, Chattanooga, TN 37416
  • Life Insurance

Why choose this provider?

The Medicare Store by Affordable Medicare Plans caters to the health insurance needs of families and individuals in the Chattanooga area. The agency's mission is to simplify the overwhelming Medicare and healthcare process and provide unbiased insurance solutions paired with personalized customer service. It offers a variety of health insurance products, including Medicare and indemnity plans, prescription drug coverage, and dental insurance. The Medicare Store by Affordable Medicare Plans is a family-owned and family-operated business and serves both Tennessee and Georgia.

License Verified:

License: 37725

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
4159 Ringgold Road, Chattanooga, TN 37412
  • Life Insurance

Why choose this provider?

Insurance Advisors of Tennessee, located in Chattanooga, provides varied and optimal coverage for its clients' insurance essentials. The agency's insurance products cover health insurance, home insurance, business insurance, life insurance, auto insurance, and Medicare which is offered into four main parts: hospital coverage, medical coverage, medical advantage, and prescription drug coverage. The insurance business strives to assist its clientele in navigating the maze of insurance options and has grown to serve clients in Alabama and Georgia.

License Verified:

License: 2175229

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3914 Saint Elmo Avenue, Chattanooga, TN 37409
  • Individual Plans
  • Life Insurance

Why choose this provider?

Trey Nelms is an agent at State Farm who has been delivering health insurance packages in Chattanooga for over five years. He also offers assistance for clients interested in products that provide coverage for homes, auto, property, pet, life, and business. He and his team utilize a personalized approach to determine the proper protection program for every individual. Trey's passion is to help families in his community by mitigating their daily risks and protecting their dependents' future.

License Verified:

License: 2249407

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (14)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6400 East Brainerd Road, Chattanooga, TN 37421
  • Life Insurance

Why choose this provider?

Flora Insurance Agency / Employee Benefit Specialists is an insurance agency that serves clients in Chattanooga. It offers various healthcare, disability, critical illness, vision, and dental insurance plans from various insurance providers. Benefit packages can be categorized into group, voluntary, or individual options. For more than 50 years, the agency has been serving the insurance needs of families and businesses in the metro. Owner Mike Flora is well-versed in employee benefit plans covering cancer, accidents, life, and Medicare supplemental insurance.

License Verified:

License: 3001133431

Tennessee Department of Commerce & Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Is Chattanooga's group health insurance price impacted by the size of the organization?

    Yes, the cost of group health insurance in Chattanooga can vary depending on the number of employees. Larger organizations frequently benefit from lower rates because the risk is spread across a larger number of people. Furthermore, because larger groups have more members paying premiums, insurers are more likely to offer competitive rates.

  • What should you do if the prescription medicine you take in Chattanooga isn't on the list of approved medications for your health insurance plan?

    In Chattanooga, you can ask your doctor to submit a prior authorization request to your health insurance provider if the medication you're taking isn't on the drug formulary for your health insurance plan. If this authorization request demonstrates that a prescription drug is medically necessary, the insurance company may decide to fund it.

  • When is physical therapy not covered by health insurance in Chattanooga?

    If physical therapy is not medically necessary, Chattanooga health insurance will not cover the cost of the service. If the patient's condition is not expected to improve as a result of therapy or if the patient's health will not improve as a result of the treatment, physical therapy is not considered medically necessary. Physical therapy is not considered a necessary medical treatment, for example, if it is given to a patient so that they can return to sports.

  • Can Chattanooga health insurance providers ask you about your use of alcohol throughout the application process?

    Yes, health insurance providers in Chattanooga may ask about your alcohol use during the application process. Remember that it is critical to provide accurate and reliable data on all application questions because failure to do so can result in negative outcomes such as a possible denial of coverage or claims.

  • What action can you do if you require surgery in Chattanooga but you do not own any health insurance?

    If you need surgery in Chattanooga but do not have health insurance, you may be able to schedule the procedure in a facility that accepts patients without insurance or work out a payment plan with the surgeon and facility. If you can't afford surgery without insurance, you might be able to get help from your state's health department, or you could go to a non-profit hospital that accepts patients without insurance.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

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