Need help choosing the right health insurance plan in Brentwood, TN?
Our healthcare system is confusing. Finding an affordable health insurance plan with all the benefits you want often presents challenges as well. At Custom Health Advisors (“CHA”), that’s what we specialize in. We'll take your needs into consideration and never push any specific products or carriers. We will always have a transparent and collaborative conversation about your options and what might make the most sense for you and your situation.
If you are having trouble finding insurance or navigating the healthcare system, schedule your free consultation today with Custom Health Advisors at (615) 988-8700.
Health Insurance Agent Brentwood, TN
Luke Somerfield, owner of Custom Health Advisors, can help you understand the complexities of the American Healthcare System and find the best coverage for yourself, your family, or your business. Whether you need individual and family plans, business plans, or coverage for travel professionals, I’m here to help. Contact me in Brentwood, TN today at 615-988-8700 for a free consultation.
As your local Brentwood health insurance advisor, CHA cuts through the confusion of finding the right coverage. Whether you live near the Cool Springs Galleria, the Maryland Farms complex, or the Fieldstone Farms neighborhood, we know residents need plans that offer great value without sacrificing access to quality care.
With over 15+ years of professional sales experience, and a commitment to serving the Brentwood community, Custom Health Advisors provides collaborative, personalized consultations where we focus on understanding your specific needs. From family coverage to specialized business plans, we help you find a transparent, cost-effective solution that works for your life and budget. Contact us today for transparent guidance and honest advice. Learn more about CHA on our about page.
Testimonials
Is Health Insurance Available in Tennessee?
Most Tennesseans have access to health insurance through private insurers, employers, the health insurance marketplace, as well as the state Medicaid office, offering many different options.
Whether you are seeking coverage for yourself, your family, or your business, customizable plans include benefits like doctor visits, prescriptions, hospitalization, and preventive care. I’m happy to explore all these options thoroughly with you, so we know that we are looking at plans that are actually a good fit for your needs and budget. Feel free to give me a call today, so we can discuss what you’re looking for, and how I can help.
What Does Health Insurance Really Cost in Brentwood?
The exact cost of health insurance in Brentwood, TN, varies greatly depending on numerous factors such as if the plan is employer-provided or self-insured, your age, where you live, the plan benefits, your income, tobacco usage, preexisting conditions, etc.
As an employee of a company who provides health insurance, your monthly premium will likely be less than if you’re self-employed or buying your own plan. Some employer plans will cost the employee from approx $130 - $300/mo for their individual coverage, while the cost of adding additional family members can vary widely depending on the size of the business and how much they are able to contribute to the family member’s cost.
Trying to understand all these different options, potential costs, pros and cons, etc, can be overwhelming. At Custom Health Advisors, we specialize in helping you understand exactly how these seven elements impact your wallet:
Employer-provided or self-insured: For an individual employee, it’s often less expensive to be on an employer-provided plan esp. for someone in their 50’s and 60’s. However, adding family members to your employer plan can often be more expensive than self insuring, because many smaller employers are struggling to pay for the majority of family member’s premiums with the rising cost for healthcare in America.
Age Matters: Premiums go up as you get older. For instance, a person near 60 might pay more than double what a 30-year-old pays for the exact same PPO plan.
Where You Live: Your costs depend on where you live. Health insurance prices for the same policy can vary, even between different zip codes.
The Plan You Choose: Often, plans are organized into “metal tiers” (like Bronze, Silver, or Gold). A Bronze plan typically has the lowest monthly premium, but fewest up front benefits. On the other hand, the Gold plan is more expensive per month, but covers more when you do go to the doctor, and has lower overall patient responsibility. The type of network (like HMO or PPO) can also change the price.
Your Income: For plans bought on the government Marketplace, your household size and income determines if you qualify for tax credits (subsidies) that can dramatically reduce how much you pay each month.
Tobacco Use: If you use tobacco products, insurance companies can charge you a higher premium as this increases your risk for major health complications in the future.
Preexisting Conditions: Some plans have underwriting that can lower or increase your monthly premium depending on your health history. For folks with a less complex health history, an underwritten plan is usually the way to find the lowest cost for health insurance.
These big cost differences show why guessing doesn’t work. As your healthcare consultant, CHA helps you navigate these factors. We apply our industry knowledge and expertise to find the most affordable, customized plan for your specific age, desired benefits, and financial situation in the Brentwood area.
Health Plans Offered by Custom Health Advisors
1. Individual and Family
Private Market Plans
Private market health plans typically require applicants in good health and to complete an application to obtain coverage. They often include nationwide Preferred Provider Organization (PPO) networks and offer flexible plan designs, with numerous deductible options, co-insurance, and up front benefits. Some plans offer guaranteed renewability until 65, allowing an insured to remain on one plan throughout their adult life, regardless of their claims history. These plans typically also offer extra benefits like short-term disability benefits, critical illness coverage, dental and vision care, accident protection, and life insurance.
Most plans cover upfront costs for the following healthcare services like:
primary care or specialist visits
prescriptions
X-rays
lab services
urgent care
chiropractic care
preventive care
Short-term options are also available for individuals needing coverage for one to six months.
Public Market Plans
“Obamacare” state and federal marketplace plans cover pre-existing conditions, mental health services, and maternity care. They can be quite expensive, but the government offers subsidies based on household size and income to help make them more affordable for some families. Those who earn above the threshold to receive a tax credit are required to pay the sticker price of the plan.
Open enrollment for these plans extends from November 1st to January 15th every year. Special enrollment periods are available throughout the year for life events like changing jobs, moving, having a child, marriage or divorce, or losing coverage. These plans are usually limited to your state or region and often have smaller networks like Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). As a certified Marketplace Broker, I’m happy to walk you through these options and answer any questions you may have.
2. Business
Individually Underwritten Plans
Individual underwritten plans customized for each client, requiring a consultation with every employee. These plans provide more personalized options and are often much more affordable for the employer. Employers can provide a stipend to help with the insurance premiums, which make the employee’s payment lower cost. Often, a Win-Win for everyone. These plans require less involvement from the employer, don’t require a minimum percentage of enrollees, and provide more options to choose from.
Guaranteed Issue Plans
Guaranteed issue plans are the more traditional insurance policy offered through larger employers, and provide comprehensive coverage. This often includes mental health services, expensive medications, maternity care, and coverage for pre-existing conditions. Premiums are higher for smaller businesses, and these plans also require more employer participation, and a minimum number of enrollees to maintain eligibility.
3. Plans for Travel Professionals
Comprehensive health insurance helps travel professionals, including consultants, sales representatives, truck drivers, contract workers, doctors, and nurses, who have trouble accessing healthcare while on the road. Constant travel necessitates the ability to receive care anywhere in the United States.
As part of a nationwide network of doctors and healthcare providers, you can be confident you'll get the care you need, when and where you need it. I always begin my consultations with a quick discussion about your current situation, and what your needs are to help find coverage that’s the best fit for you. It’s all about what YOU need. If you would like to speak about what options are best for you, give your health insurance agent in Brentwood, TN, a call today.
Two Key Multi-State Coverage Pain Points
1. The Out-of-State Emergency Scenario
Many standard health plans, especially Affordable Care Act (ACA) Marketplace plans like HMOs and EPOs, have small networks limited to your home state. If you live in Tennessee but have a medical emergency while on a business trip in Texas or New York, your emergency care may be considered out-of-network. As a result, you can face larger, unexpected bills, even if the emergency was unavoidable.
We focus on finding plans designed with nationwide PPO networks whenever possible. A comprehensive network like this ensures you can access emergency services and follow-up care anywhere in the country without being forced to pay high out-of-network rates.
2. The Multi-State Residency Confusion
For many self-employed consultants or traveling nurses, your official state of residence might not be where you spend most of your time, or you may be licensed to work in multiple states. This creates a regulatory puzzle: most health insurance must be purchased in the state where you officially reside. However, that plan may provide ineffective coverage in the state where you primarily work or travel.
CHA helps to clarify your specific residency requirements and then identify private market or travel-specific plans that are designed to operate across multiple states. Protecting your financial well-being, no matter where your work takes you.
FAQs on Health Insurance
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If you get a job that offers health insurance while you already have Marketplace insurance, your Marketplace coverage won't stop automatically. In most instances, a policy-holder can cancel their coverage whenever they want. You can choose to keep your Marketplace plan or switch to the insurance from your new job, but having an employer-sponsored plan will make you ineligible to receive any income-based tax credits. Therefore, it's important to tell the Marketplace right away if you decide to switch so they can update the policy accordingly.
If you’ve started a new job, you might qualify for a Special Enrollment Period (SEP). This lets you sign up for a new plan or make changes to your current one, even if it's not during open enrollment. Whether you keep your Marketplace plan or switch to your job's insurance, I can go over your different coverage options, and recommend which course of action may be the most beneficial.
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If your health insurance claim was denied, the reason may stem from the treatment or service not being covered by your plan, or from missing information or errors within the claim. Approx 80% of hospital bills have errors on them. Always ask for an itemized bill, and their financial assistance policy in writing.
Start by reviewing your insurance policy with your agent or broker to see what your benefits are. If you believe the denial was a mistake or if you think the service should be covered, you can always appeal the decision. This often involves submitting or requesting more information or asking your doctor to support your claim.
Your insurance company should provide instructions on how to appeal. You can also contact them directly or seek help from a healthcare advocate or professional advisor if needed. Remember, you have the right to challenge a denial and explore options to get the coverage you deserve.
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Some health insurance plans renew automatically, this can be a good choice for self employed individuals, and folks who are busy. It ensures that your coverage continues without you having to remember to renew it each year. This way, you avoid any gaps in coverage that could leave you unprotected if you need medical care.
Automatic renewal also saves you time and effort, as you won't need to fill out paperwork or make calls to renew your plan. It’s still reviewing your plan each year to make sure it meets your needs and fits your budget. If your health or financial situation changes, you might want to consider comparing other plans during the open enrollment period to ensure you have the best coverage for you.
You’ll Have Great Experience Working with CHA
If you’re confused by our healthcare system, or are struggling with finding the best coverage for your situation, don’t worry. I can help guide you through your options, explain the pros and cons of each, and recommend what may be the best policy for your needs. Contact me today at 615-988-8700 to schedule a free consultation.
Winner of the 2026 Best of TN Awards for Top Health Insurance Agency
A+ accredited rating with the BBB and will have digital marketing assets for this very soon.
On 10/29/26, appeared on Ch. 4 Today In Nashville to discuss healthcare, insurance, and my business
2026 Marketplace Circle of Champions Award Winner
Over 100 5-Star Reviews on Google
Contact CHA
If you’re confused by our healthcare system, or are struggling with finding the best coverage for your situation, don’t worry. I can help guide you through your options, explain the pros and cons of each, and recommend what may be the best policy for your needs. As your health insurance agent in Brentwood, TN, call or text Custom Health Advisors today at 615-988-8700 to schedule a free consultation.