Because people under the age of 65 usually do not qualify for Medicare coverage, we have provided options for persons under 65. If you would like to learn about the specific requirements, visit our Medicare Eligibility for People Under 65 page.
Buffalo Health Advisors understands that the health insurance marketplace is an ever-changing environment that leads to mass confusion and stress. Individual, family, and small businesses all require different products and coverage strategies. We have the ability to compare multiple plan options and provide you with the best coverage within your available budget. We offer:
- Major medical policies from top carriers such as:
- CVS Health
- Anthem Blue Cross Blue Shield
- Medicare Advantage plans
- Short-term health coverage
- Medi-Share options
- Fixed benefit plans
- Guaranteed issue plan
Tennessee has defaulted to a federal health insurance exchange after the Affordable Care Act went into effect in 2010, so you must purchase a plan for the minimum essential coverage under the law. There is income-based assistance for plans in the Health Insurance Marketplace.
Essential benefits include:
Plans that qualify and have minimum essential coverage include plans bought on the Health Insurance Marketplace, a “grandfathered” insurance plan since March 23, 2010 or earlier, a job-based plan, and more. Plans that don’t qualify are plans that only cover vision or dental, workers comp, or coverage for only a specific disease. If you have questions about your current insurance plan, contact Buffalo Health Advisors, LLC for assistance.
It’s important to purchase coverage during the state’s open enrollment period, but there are life events that will allow you to purchase coverage at any time:
- Losing your employer coverage
- When COBRA coverage expires
- Getting married or divorced
- Losing coverage after turning 26
- Having a baby or adopting
- Moving to a new zip code
- Becoming a U.S. citizen
- Being discharged from the Armed Forces
A private individual or family health plan may be the right choice for you if these circumstances apply:
- Employer doesn’t offer a group plan
- A group plan does not cover dependents
- If the plan you are on has a high premium
- You need different benefits
However, if you missed the 2019-2020 open enrollment period, there is a chance that you can still get health insurance.
Because our lives are always changing, there are allowances for people to sign up outside of the normal enrollment periods. However, these special enrollment periods do have some requirements.
You may qualify for a special enrollment period if you have experienced one or more of the following.
- Losing employer-related health insurance
- Losing Medicaid Eligibility
- Losing coverage from a parent’s plan by turning 26
- Marriage or divorce
- Having a baby
- Adopting a child
- Death of a family member
- Becoming a U.S. citizen
The special enrollment period opens immediately after one of these events occurs, and stays open for 60 days. If you try to buy health insurance during special enrollment, insurance companies usually require proof of a qualifying event.
This might look like providing birth certificates, adoption records, marriage licenses, housing papers, death certificates, and so on. If you want to sign up for health insurance, it can be overwhelming trying to jump through all the hoops on your own. Call one of our expert health advisors, and we’ll help you get there.
There are many policies available in the state of Tennessee to choose from and certain tax breaks you can receive if you meet certain requirements. Having health insurance helps when accidents occur. The protection it gives you and your family goes beyond the means and costs of a hospital visit. Call or visit Buffalo Health Advisors serving Nashville, TN, to learn how to get a health care plan for you and your family and if you have any questions about your policy.