Need help choosing the right health insurance?
Our healthcare system is confusing, and trying to find a health insurance plan that’s affordable, and has the benefits you want can be really challenging. At Custom Health Advisors, that’s what I specialize in. I’ll take your needs into consideration and never push any specific products or carriers.
If you are having trouble finding insurance or navigating the healthcare system, contact Luke at Custom Health Advisors today to schedule a free consultation, without any sales pressure.
Health Insurance Agent Franklin, TN
At Custom Health Advisors, I specialize in helping you navigate the complicated American Healthcare System so you can understand what your options are, and what the best coverage for you, your family, or your business might look like. From individual and family plans, business plans, and coverage for those who are self-employed or travel professionals, I am here to help you find the right type of coverage for your unique situation. Call Luke Somerfield in Franklin, TN, today at 615-988-8700 for a free consultation.
Testimonials
How Does a Health Insurance Agent Differ From a Broker?
Both a health insurance agent and a broker can assist you in finding insurance, but they operate in different ways. An agent usually works for one insurance company and can explain their plans, help you enroll, and assist with paperwork and communication.
Brokers, on the other hand, work with many insurance companies and can compare different plans to find the best one for your situation. They can also help with claims and changes to your policy. Brokers will often provide more general information about how insurance works, and can help you navigate more options than a captive agent.
Is Health Insurance Available in Tennessee?
Health insurance is accessible in Tennessee through private insurers, employers, the health insurance marketplace, and the state medicaid office, offering lots of options for Tenneessean’s different situations.
Whether you're seeking coverage for yourself, your family, or your business, there are customizable plans available with benefits like doctor visits, prescriptions, hospitalization, and preventive care. I will explore these options thoroughly with you, so we know that we are looking at plans that fit your needs and budget. Give me a call today, so we can discuss what you’re looking for, and how I can help.
FAQS About Health Insurance
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Some Marketplace plans do include dental benefits.
These plans are crafted to offer basic coverage, which might include dental services such as:
Cleanings and routine check-ups
Fillings and simple extractions
Sometimes more extensive procedures
Not all Marketplace plans automatically include dental coverage. Take the time to check each plan's details to see what dental benefits are offered. If dental coverage is not automatically included, you can purchase a separate dental plan or add dental coverage to your health insurance plan for an additional cost, roughly $30-$50 per person, per month.
If you’re in Franklin, TN, and have a question about dental insurance, give Luke a call today.
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Under the Affordable Care Act (ACA), vision care coverage varies. Some health insurance plans sold through the marketplace include vision benefits for children, covering eye exams and glasses. Coverage for adults' vision care, like routine eye exams and corrective lenses, may not always be included in all plans.
Review each plan carefully with your advisor to understand what vision services are covered and any associated costs. If vision care isn't automatically included, you can purchase a separate vision plan or add vision coverage to your health insurance plan for an additional low cost of approximately $10-$15/month per person. If you have questions about these coverages, I can help you understand the differences in the plans, and what your options are.
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Even though all Silver plans offer similar benefits and cover similar percentage of costs, premiums can vary between insurance companies. This difference in cost is influenced by several factors, such as:
The network size
The deductible and Out of Pocket Max
Prescription drug coverage
The insurance company's administrative costs
The number of healthcare providers in their network
Their specific pricing strategies
Some insurers might negotiate lower rates with hospitals and doctors, which can affect premiums. The geographic location of where you live and the local cost of healthcare can also impact premium prices. If you live in Franklin, TN, and want to compare different Silver-level plans to see which might be the best fit for you or your family, call Luke today at 615-988-8700 for a free consultation.
Custom Health Advisors' Health Plans
Private Market Plans
Many private market health plans require applicants to be in relatively good health and to complete an application for coverage. They include nationwide Preferred Provider Organization (PPO) networks and offer flexible plan designs allowing you to choose your own deductible and coinsurance. Some plans guarantee renewability until age 65, and some plans also offer extra benefits like short-term disability benefits, critical illness coverage, dental and vision care, accident protection, and life insurance.
Most private plans cover upfront costs for primary care or specialist visits, prescriptions, X-rays, lab services, urgent care, chiropractic, and preventive services. Short-term options are also available for individuals needing coverage for one to three months.
Public Market Plans
"Obamacare" or Marketplace plans cover pre-existing conditions, mental health services, and maternity care. While they can be costly, the government provides subsidies based on household size and income to lower costs if you qualify, and many Americans pay less than the “sticker price.”
You can sign up for these plans every year from November 1st to January 15th. Special enrollment periods are available throughout the year for events like job changes, moving, having a child, losing coverage, marriage, divorce, or other life events that affect your insurance coverage. These plans are typically limited to your state or geographic area, and often have smaller networks, such as Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs).
Individually Underwritten Plans
Underwritten plans are designed for each client, requiring a meeting with every employee. These options offer custom-made choices and can be more cost-effective. Employers may offer an allowance or stipend to assist with individual health insurance premiums. These plans require less employer involvement and allow employees greater flexibility in choosing their coverage.
Guaranteed Issue Plans
Employer-offered guaranteed issue plans provide thorough coverage, which can include mental health services, costly medications, maternity care, and pre-existing conditions. Premiums tend to be higher for smaller businesses, and these plans also involve more employer involvement. If you own a business in Franklin, TN, and are considering health insurance options, I’d be happy to discuss your options with you. Give me a call if you’ve got any questions.
3. Plans for Travel Professionals
Health insurance tailored for travel professionals, such as consultants, sales representatives, truck drivers, contract workers, doctors, and nurses, allows folks the ability to address their unique healthcare challenges while they're on the road. Continuous travel often requires the ability to access healthcare anywhere in the United States.
Being part of a nationwide network of doctors and healthcare providers ensures you receive the necessary care wherever and whenever you need it. Choosing the right plan is important. I’ll begin our conversation with a brief discussion about your current circumstances so we can identify the most suitable coverage for your situation.
Working with CHA Ensures a Positive Experience
In Franklin and throughout Tennessee, Custom Health Advisors provides personalized health insurance recommendations. With nearly 15 years in customer service and customizing solutions for my clients, I’ve developed an ability to quickly understand my client’s needs, and advise them on the best course of action, without any sales pressure.
Whether you need coverage for yourself, your family, or your business, I will always put your needs first, and will collaborate with you to find the perfect plan for your situation.
Reach Out To Me
Custom Health Advisors in Franklin, TN, is ready to help if you need good health insurance. I’ll guide you through the U.S. healthcare system and find the right plan for you. I am here to support you throughout the entire process of getting health insurance. Contact me today to schedule a free consultation and get started.