Tennessee Seems To Be Giving Away Free Health Insurance
Affordable health insurance in Tennessee is being offered to some people through Cover Tennessee. Cover Tennessee is designed to provide affordable and obtainable health care coverage for Tennessee residents who are either poor or are possibly uninsurable. The problem with this program is that it only provides a very limited amount of total insurance benefits. A major surgery could easily exceed the total benefits provided by this limited plan.
Although many states have tried to copy this plan, it is not the answer for the every uninsured family. This plan is a limited benefit plan that only offers enough to get a family through minor health emergencies.
This approach to providing health coverage can be the reverse of what is actually needed. A quality health insurance policy generally provides up to five million dollars in coverage to the applicant. Considering the leading cause of bankruptcy in America is lack of adequate health insurance, a plan with limits as low as twenty five thousand dollars is hardly a cure for the problem.
An applicant would be better served to get a very high deductible plan to make sure their exposure is limited to the deductible and any charges above that would be covered up to the five million dollar limit. Since all charges would be applied to this deductible, the insured would have to cover the expenses until the deductible was satisfied. But this should not cause the insured to join the ranks of the bankrupt population. Just like a car warranty, you pay for the small expenses and let insurance take care of the big picture.
To find out more information about Cover Tennessee , visit Tennessee’s Department of Commerce and Insurance Web site or give them a call. CoverTn.org Limited as it may be, it does fill a need for many who have no other options. But if the uninsured is not a qualified candidate for this program, they would be well served to at least get a low cost, high deductible plan to serve as a safety net.h