Expertise.com

2024

Last updated:

Best Health Insurance Agencies in Tennessee

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tennessee Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

130331Reviewed

78203Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Tennessee
Website

Expertise.com Rating

Review Sources

Google
5.0 (77)
Facebook
5.0 (3)

Why choose this provider?

Acuity Health Advisors is an independent insurance company serving people in Tennessee. The family-run firm exclusively offers health insurance, assisting clients in selecting the best policy for their specific needs. Its brokers represent multiple carriers that provide a variety of healthcare plans, including short-term health, individual and family, dental, vision, and telehealth. They offer Medicare Advantage, Medicare Supplements, and Prescription Drug plans. Kristen Maurice—the company's owner and a mom of three—has over 18 years of experience in the customer service industry. She is also a Certified Senior Advisor.

  • Medicare Advantage
  • Medicare Supplement
  • Health Insurance

Tennessee
Website

Expertise.com Rating

Review Sources

Google
5.0 (20)

Why choose this provider?

Parker & Watts Insurance offers specialty Medicare solutions to the state of Tennessee. Its team of advisors reviews clients' existing Medicare coverage and works with major plan providers to ensure comprehensive protection. The team delivers customized plans that include options for prescription drug add-ons and dental, vision, and hearing care. It assists clients in filing claims, making changes to policies, and searching for cost-saving solutions. Parker & Watts has been serving the community since 1979.

  • Medicare Supplement Insurance

Tennessee
Website

Expertise.com Rating

Why choose this provider?

Stones River Insurance is an independent agency serving families and individuals in and around Tenessee. Its team addresses the risk management needs of clients by providing them with health insurance services. The company furnishes customized plans to protect policyholders from monetary losses due to medical expenses. It also processes other personal protection policies, including life, automobile, motorcycle, mobile home, and renters' insurance. Stones River Insurance has been in the industry for more than a decade.

  • Individual Plans

Tennessee
Website

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
5.0 (16)

Why choose this provider?

Eric Jans Insurance is an independent agency that has been catering to clients in Tennessee since 2004. Its agent, Eric, assists policy buyers in securing flexible health insurance plans that work with different accounts and providers, such as those under the ACA. His other areas of expertise include life and disability insurance, executive and group employee benefits, and long-term care, retirement, and wealth planning. Eric has worked with BCBS, CIGNA, and Bright Health as an advocate for agent and consumer needs.

  • Individual Plans

Tennessee

Expertise.com Rating

Why choose this provider?

Group Health Tennessee is a local, independent insurance agency. It has been catering to clients across the state since 1996. It provides health insurance for individuals, covering essential factors such as hospitalization, emergency room visits, surgeries, and doctor's consultations for injuries or illnesses. It also assists small businesses with two to 15 employees in providing protection and benefits for their employees. Group Health Tennessee represents various major insurance companies such as United Health Care, Aetna, and Humana.

  • Medicare Supplement Insurance
  • Individual Plans

Tennessee
Website

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Holt Health Insurance serves individuals and families in Tennessee, assisting them in finding plans that meet their unique needs. Wanda O. Holt provides private health insurance, short-term medical, Medicare, dental, and vision plans to individuals, assessing their coverage needs and recommending personalized solutions. She offers Affordable Care Act plans with customized pricing to suit the client's financial situation. Wanda has been a health insurance agent for 19 years, and has conducted seminars on health care reforms and Medicare products.

  • Individual Plans

Tennessee
Website

Expertise.com Rating

Review Sources

Google
5.0 (178)
Facebook
5.0 (7)

Why choose this provider?

FMIG Health serves the insurance needs of Tennessee residents and those from nearby locations. It offers individual, family, and group health insurance policies. It caters to businesses of all sizes and provides one-on-one consultations with their employees to discuss healthcare concerns, including pre-existing conditions and PPO coverage. FMIG Health is an authorized agency for several carriers like Blue Cross Blue Shield, Humana, and Cigna. Its president, Derrick Jenkins, has over two decades of experience in the insurance industry.

  • Group Plans
  • Individual Plans

Tennessee

Expertise.com Rating

Review Sources

Google
4.8 (80)
Facebook
5.0 (15)

Why choose this provider?

Insurance Professionals of Tennessee caters to individuals in and around the area. This Brentwood-based agency offers health insurance plans, providing clients access to various insurance carriers for a wide selection of policies and rates. It provides long-term care, short-term and long-term disability, and managed care insurance plans. Its agents also offer life, home, auto, and business insurance products. The family-owned agency represents over 50 carriers, such as Safeco Insurance, Progressive, Travelers, The Hanover Insurance Group, and Encompass.

  • Individual Health Insurance
  • Life Insurance

Tennessee
Website

Expertise.com Rating

Why choose this provider?

LilesInsurance Brokerage caters to individuals and families in Tennessee. It provides health insurance policies to clients to help them protect themselves from financial problems caused by unforeseen medical costs associated with diseases or accidents. The agency has access to various carriers like Ambetter, Cigna, Oscar Health, BlueCross BlueShield of Tennessee, UnitedHealthcare, and Bright Health. Life and dental insurance are among its other insurance products. LilesInsurance Brokerage has been in business for more than 30 years.

  • Group Plans
  • Individual Plans

Tennessee

Expertise.com Rating

Review Sources

Google
4.9 (13)
Facebook
5.0 (9)

Why choose this provider?

AssureSource is a national agency that provides insurance solutions for seniors and their families in Tennessee. It offers health plans and traditional long-term care, hybrid long-term care, Medicaid Planning, and Medicaid Success plans. The company also has term, whole, and final expense life insurance policies and helps seniors plan for their retirement with social security and retirement income planning options. In addition, it provides Medicare Supplement, Medicare Advantage, prescription drug, and hospital indemnity plans, as well as dental, vision, and hearing insurance.

  • Market Place

Tennessee
Website

Expertise.com Rating

Review Sources

Google
4.6 (12)
Facebook
5.0 (2)

Why choose this provider?

Ledford Insurance Agency offers protection plans that provide healthcare access and financial security to Tennessee individuals and businesses. Its health insurance types include fee-for-service or managed care, standalone or bundled insurance, short-term coverage, and employee benefits packages. Some of its plans extend the coverage to Medicare-excluded services, wellness care, and specific chronic conditions. Its agents use easy-to-understand words in explaining policy terms and inclusions to clients. The company carries insurance products from Chubb, Progressive, Blue Cross Blue Shield, and other providers.

  • Individual Health Insurance
  • Life Insurance

Tennessee
Website

Expertise.com Rating

Review Sources

Google
4.9 (114)
Facebook
4.9 (79)

Why choose this provider?

American Exchange offers a wide array of health insurance solutions to individuals and families throughout Tennessee and the nearby areas. Its agents educate clients about an array of health insurance products, covering necessary details for both adults and students. The agency also assists customers in understanding their Medicare options and can arrange supplemental insurance to address gaps in their coverage. In addition to insurance, American Exchange offers revenue cycle and risk management services. It has been in business since 2013.

  • Medicare Supplement Insurance
  • Over 65
  • Group Plans

Tennessee
Website

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Tennessee Health Insurance, Inc., is an independent agency that caters to residents in the state. It offers a wide selection of personal protection plans, helping clients acquire individual and group health insurance. The company processes short-term, ACA, indemnity, and concierge or direct primary care doctor group plans. Its team also provides disability, dental, vision, and Medicare Supplemental or Part A and B plans. The family-owned business has been in operation for more than a decade.

  • Market Place

FAQs

  • 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 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.

  • What is health insurance?

    Health insurance policies are contracts that require an insurer to pay some or all of a beneficiary's health care expenses in exchange for a premium and deductible. Plans cover preventive care and emergency medical services arising from an injury or illness. They may also offer optional coverage for dental and vision.

  • How do health insurance companies make money?

    Health insurance companies make money by collecting premiums from consumers and reinvesting the funds. Federal law requires insurers to put approximately 80-85% of collected funds toward claims, and 15-20% is used to pay for administrative expenses.

  • What is subsidized health insurance?

    Subsidized health insurance is available exclusively through the Health Insurance Marketplace. This system applies federal tax credits that can reduce or eliminate premiums. Tax credits are available to consumers who earn up to 400% of the federal poverty level based on household size.

  • What is a health insurance deductible? 

    A deductible is a fixed amount you must pay out-of-pocket before normal copays or coinsurance rates apply. Under the Affordable Care Act, some services, such as annual physicals and wellness screenings, must be covered at no charge.

  • Is it illegal to not have health insurance?

    No. Starting in 2019, the federal government eliminated the penalty that applied to individuals who could afford health insurance but chose not to purchase it. Financial penalties still apply in California, Massachusetts, New Jersey, Rhode Island, Vermont, and Washington, D.C.

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