931-752-NSUR (6787) Fax: 931-752-6788

Jamestown 500 N Main St. 931-752-6787 | Wartburg 705 Main Street 423-346-5135

Crossville 807 N Main Street 931-707-1921 |Cookeville 1080 Interstate Drive 931-528-6787

Homestead 1760 S. Main Street 931-459-6787 | Fairfield Glade 4929 Peavine Road 931-484-1500

Health Insurance, coverage for you and your family

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from The Rains Agency.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. The Rains Agency can help you find an affordable healthcare plan that’s right for you. Call 931-752-6787 and talk with one of our friendly agents today to learn more.

What are the major types of health insurance policies in Tennessee?

There are basically three major types of health insurance policies for Tennessee residents to choose from--consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.

Consumer-directed

A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.

Fee for Service

A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.

Managed Care

Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

Common Health Insurance Terms

When discussing health insurance with a The Rains Agency agent, it helps to understand some of the common terms you’ll run into. Below you’ll find definitions to some of the most common health insurance terms.

Deductible--the amount of money you pay toward medical bills before your insurance coverage begins.

Co-pay--a specified amount of money you pay upfront for doctor visits and prescription refills.

Coinsurance--the percentage of medical bills you pay after meeting the deductible.

To learn more about health insurance, call The Rains Agency at 931-752-6787 and talk with one of our agents today. We’re right here in the Upper Cumberland ready to guide you toward a more secure future.

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