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Understanding COBRA Insurance Coverage in Tennessee

Tennessee’s Continuation Coverage law mandates that employers with at least two employees must provide coverage continuation options to eligible employees. If you don’t meet the requirements for federal COBRA, you may be able to use this law to continue your health insurance coverage.

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Continuing Health Insurance Coverage In Tennessee

Please choose:

No Pre-Existing Conditions
Term Medical Gap Coverage

Available in some states, as low as $44/month

Coverage For
Pre-Existing Conditions

$400 – 700/month per individual

Medicare
Nearing Retirement Age

Learn about Medicare Advantage

Tennessee’s Mini-COBRA Law

Tennessee’s state continuation of coverage law, as outlined in Tennessee Code Title 56. Insurance § 56-7-2312, requires that group policies for hospital, surgical, or major medical expense insurance, or any combination of these coverages, must offer coverage continuation options to eligible employees or members. Those whose insurance coverage has been terminated for any reason except for discontinuance of the group policy in its entirety or with respect to an insured class may be entitled to continued coverage under the group policy for the fractional policy month remaining at termination, plus three additional policy months. They must pay the employer the full group premium for this continuation of coverage, including any portion of the premium typically paid by their former employer on or before the beginning of each month’s coverage.

After the continuation period ends, the person may be entitled to a policy of health insurance that complies with the applicable requirements specified in Tennessee’s insurance law. If the group policy was terminated in its entirety or with respect to an insured class of which the employee was a member, the employee may not be entitled to continued coverage or a converted policy. The employee may have the right of conversion upon termination of the group policy. However, an employee may not be entitled to continued coverage or a converted policy if their insurance under the group policy terminated because they failed to pay any required contribution, are eligible for Medicare under Title XVIII of the federal Social Security Act, or the discontinued group coverage was replaced by similar group coverage within 31 days.

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Getting Pre-Existing Coverage In Tennessee

Ensuring you have a major medical plan and enough health insurance coverage is important. Pre-existing conditions refer to medical conditions that were there before you got your health insurance policy, which could be chronic or acute conditions.

Major medical plans that are certified under the Affordable Care Act are meant to give complete health insurance coverage, including hospitalization, surgery and other medical services that might be necessary because of pre-existing conditions.

Marketplace / Obamacare

Sometimes state and federal subsidies help offset the premium for individual marketplace insurance.

A loss of work health insurance is a qualifying event to find new healthcare through the public healthcare exchange.

In 2023, the average ACA health plan premium in Tennessee is $471/month per individual, according to the Kaiser Family Foundation.

You May Qualify For A Subsidy

Apply For COBRA

Employer Has 20+ Employees

As an employee, you may continue your most recent work health insurance for up to 18 months. Family members may access the plan for up to 36 months.

You sign up for COBRA with your former employer or their third party.

The premium will be $400 – 700 / month, per insured person.

Tennessee Allows Short-Term Health Insurance Plans

In Tennessee, the state allows the use of  Short-term medical insurance to provide temporary coverage in case of a gap in insurance, such as during a job transition or while waiting for other coverage to begin.

Short Term Medical Insurance: New Illnesses & Injury Coverage

Flex term short term medical insurance

Plans begin at $80/month.
Based on age and state availability

The FlexTerm Health Insurance plan provides health insurance coverage to help protect you from the medical bills that can result from newly unexpected Injuries and Sickness.

Coverage begins as early as midnight tonight.

Accident Only Insurance with Telehealth

Coverage begins as early as midnight tonight.

Pre-existing Conditions Do Not Exclude You From Accident Only Coverage

Plans start at $44/month.
Based on age and state availability

Accidents happen, and the last thing you want to worry about is who or how the bills are going to get paid. With this plan, you can focus on getting care. CAM helps you and your family with the high cost of healthcare resulting from injury or accidents.

Includes Telehealth giving you access to prescribing doctors for common issues.

Limited Indemnity with Telehealth

Includes Telehealth giving you
access to prescribing doctors for common issues.

Core Health Insurance provides guaranteed acceptance Limited Indemnity Medical coverage for your basic medical needs, helping to provide a medical option for people who do not have the luxury of being covered by a comprehensive health insurance plan.

Coverage begins as early as midnight tonight.

Medicare

After your workplace insurance ends, you’ll sign up for Medicare within 8 months.

In general, you can sign up for Part A and Part B starting three months before your 65th birthday and ending three months after your 65th birthday.

Learn more about Medicare deadlines and how Medicare Advantage plans can replace original Medicare at no cost to you.

COBRA Is Available In All 50 States

Employee continuation of health insurance coverage is not required in all states. When a state lacks laws governing the continuation of work-related medical benefits, the federal COBRA Act protects these rights. Find out more about your state.

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