Best Health Insurance Agencies in Clarksville

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.
  

• How can Clarksville employees benefit from health insurance subsidies?

  Health insurance subsidies help Clarksville employees reduce their monthly premiums while some also lower copays and deductibles. The assistance they qualify for varies according to their household size, household income, and the number of people enrolled. Premiums may be reduced from 1 to 100%. Someone who has other quality insurance options does not qualify for subsidies.

• What is a family glitch and how does it affect Clarksville residents who need health insurance?

  A family glitch occurs when the dependent or spouse of a Clarksville worker is too expensive to be included in an employee’s health insurance. People who qualify for job-based health insurance are usually not eligible for a marketplace subsidy. This causes many residents to go without any coverage.

• How can a Clarksville health insurance policyholder differentiate benefit exclusion riders from the waiting period for pre-existing conditions?

  The benefit exclusion rider refers to the inability of a Clarksville health insurance policyholder to receive benefits due to a specific condition or illness for the duration of the exclusion period. The waiting period for pre-existing conditions refers to the inability of a member to get benefits for six to 12 months for an illness that already exhibited symptoms before the coverage effectivity date.

• Does a Clarksville resident with Medicare health insurance need a supplement plan?

  Generally, a Clarksville resident with Medicare health insurance needs a supplement plan because standard Medicare usually does not have enough coverage. Policyholders still need to deal with higher deductibles, coinsurance, and copays, which they often cannot afford. A Medicare supplement policy is intended to fill the gaps in a standard Medicare policy. It can also cover less common situations like lack of medical coverage when traveling in another country.

• Do Clarksville residents still have to get Medicare if they already have private health insurance?

  No, Clarksville residents need not get Medicare if they already have private health insurance. They may, however, still pay penalties for late enrollment. They may also pay more for the same or better coverage. People with ACA and qualified for Medicare may become ineligible for ACA subsidies.

• 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.