eTNHealthInsurance Sets 3-point Plan In Motion To Increase Health Insurance Quality

Feb. 22, 2011 - PRLog -- On February 16, Tennessee received a waiver that will permit health insurance companies to continue coverage that fails to meet standards set by the Patient Protection and Affordable Care Act (ACA).

Under the ACA, insurers are required to provide at least $750,000 of coverage for benefits such as doctor and hospital services and prescription drugs. Tennessee health plans will be allowed to temporarily maintain much lower annual coverage limits this year.

As a leader in online health insurance coverage for families, individuals and small businesses, eTNHealthInsurance has developed a 3-point strategy to help Tennessee consumers get more from their health insurance.

As president of eTNHealthInsurance, Wiley Long advises that “Most people do very little comparison shopping for health plans, but this can be a big mistake. Not only has the business become very competitive, but consumers also now have access to multiple ways to cut their health care costs. From lab fee discounts of up to 80% to negotiation that can lower hospital bills even after you check out of the hospital, people have more opportunities to save on health care than many realize.”

eTNHealthInsurance’s 3-point plan starts with screening insurance companies. Tennessee-based American Trade Association (ATA) took approximately $14 million in premiums from at least 12,000 customers in exchange for bogus health insurance. While avoiding required state licensing, ATA abandoned policyholders who had paid their premiums in good faith. Regulators halted ATA fraud in 20 states in the last two years, but patients in need of medical care were left to forego treatment or incur medical debt.

At http://www.eTNHealthInsurance.com/tennessee-insurance-pla..., eTNHealthInsurance has screened insurance providers to give consumers access to coverage from insurance companies with A ratings for financial soundness from independent rating organization A.M. Best.

The second point consists of educating the public about how to maximum the value of health plans. As a form of managed care, Preferred Provider Organizations (PPOs) offer substantial discounts for services from their network of doctors and hospitals. These discounts cut the cost of health care even if the plans’ deductible is never met.

Since most major PPO plans are accepted by the majority of medical facilities (80 to 90%), consumers can get significant discounts and still have a reasonable selection of providers. eTNHealthInsurance analyzes the different forms of health insurance available in Tennessee at http://www.eTNHealthInsurance.com/how-to-guide.htm.

The third point gives consumers access to powerful online tools that provide savings of up to 80% on lab tests and up to 75% on prescriptions. Consumers may also sign up for medical bill negotiation at http://www.eTNHealthInsurance.com/additional-benefits.htm.

As a leader in providing quality online health insurance for Tennessee families, individuals and small businesses, eTNHealthInsurance also offers free, immediate access to licensed health insurance professionals at 1-877-224-2052 from 8 AM through 10 PM Central. Consumers can research more than 300 Tennessee health plans, all of which are backed by companies with A ratings for financial soundness, at http://www.eTNHealthInsurance.com.

Please visit http://www.eTNHealthInsurance.com/ for our Tennessee Health Insurance in the News and visit http://www.eTNHealthInsurance.com/tnhealthnews/ for our Tennessee Health Insurance News Blog.

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About eTNHealthInsurance:

As the nation's leading independent health insurance agency specializing in individual, family and small business coverage for Tennessee, eTNHealthInsurance provides comprehensive assistance at http://www.eTNHealthInsurance.com. Consumers can run instant quotes, compare rates side-by-side, download insurance plan brochures here and quickly complete easy online applications.

In addition, eTNHealthInsurance offers immediate access to licensed Tennessee health insurance professionals at 1-877-224-2052 from 8 AM through 10 PM Central and 24/7access to powerful online tools for significant discounts on health care at http://www.eTNHealthInsurance.com/member-benefits-rx.htm.