If you find yourself in the situation where you have lost employer based health coverage, but you have had coverage for at least the previous 18 months, you have rights under the Health Insurance Portability and Availability Act.
If that prior health coverage (for 18 months or longer) had no gaps of exceeding 63 days then good news - you cannot be denied coverage from a new provider due to any pre-exisiting medical condition what-so-ever! To ensure your covarage is contined, you must seek a new tennessee individual health insurance provider immediately. This will ensure your prior levels of coverage are protected.
We have compiled a list of companies that currently offer (at time of writing) individual health insurance and HIPAA policies in Tennessee. When you contact any of these companies we suggest you tell them that you are seeking a HIPAA or guaranteed issue policy.
It should be noted that the above list is not a recommendation and you should perform correct and extensive research and due diligence before selecting a health insurance plan.
