> Employment practices This kind of coverage will help defend against employment-related claims such as sexual harassment, age discrimination, or wrongful termination. Some policies offer legal assistance; others may pay both legal costs and damages.
> Basic Hospital Basic-hospital plans cover only in-hospital (inpatient) care, not other services. This benefit also may be limited to an approved or network facility. Hospitalization in a different facility may qualify for less coverage or none at all.
Most individuals go through a number of life events that affect their health benefit needs and the choices they make. There are several important federal laws that affect your benefits under a job-based health plan.
HIPAA protects individuals who have preexisting conditions, helping them to keep coverage for those conditions or get coverage for them in no more than 12 or 18 months through limits on the length of preexisting condition exclusions. HIPAA also helps individuals who might suffer discrimination in health coverage on the basis of health status when they change jobs.
COBRA generally requires that most group health plans of employers with at least 20 employees offer employees and their dependents the opportunity to continue their health plan coverage for limited periods of time when the employee loses his or her job or has a reduction in hours that would result in a loss of coverage.
If you live in the following cities and need an Insurance Advisor or to get a
quote, you should contact our Tennessee Insurance Advisors today:
Antioch
Brentwood
Bristol
Chattanooga
Clarksville
Cleveland
Clinton
Collierville
Columbia
Cookeville
Cordova
Dayton
Dyersburg
Elizabethton
Franklin
Gallatin
Goodlettsville
Hendersonville
Hermitage
Hixson
Jackson
Johnson City
Kingsport
Knoxville
Lebanon
Madison
Maryville
Mc Minnville
Memphis
Millington
Morristown
Mount Juliet
Murfreesboro
Nashville
Oak Ridge
Shelbyville
Smyrna
Soddy Daisy
Springfield
Tullahoma
Did You Know?
Payments you receive from qualified long-term care insurance contracts will generally be excluded from income
As reimbursement of medical expenses received for personal injury or sickness under an accident and health insurance contract. Also, certain payments received under a life insurance contract on the life of a terminally or chronically ill individual (accelerated death benefits) can be excluded from income. Refer to Publication 17, Your Federal Income Tax, Chapter 13, Other Income.
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Tennessee and nationwide:
Mar 02, 2007 - Tips For Individual Insurance Before you buy any health insurance policy, make sure you know what it will pay for...and what it won't. To find out about Read more >
Mar 02, 2007 - COBRA Health Benefit Provisions The landmark COBRA health benefit provisions became law in 1986. The law amends the Employee Retirement Income Security Ac Read more >
Jul 14, 2006 - Hurricane Insurance Claims Paid in Mississippi Approaching $3 Billion Mark Jackson –Commissioner of Insurance George Dale announced today that insurance companieshave paid out nearly $3 billio Read more >
Legal Disclaimers The information provided on Tennessee Insurance Advisors.com is not intended to be insurance advice, but merely conveys
general information related to insurance issues commonly encountered.
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