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Cover Tennessee is the umbrella
name for the state’s health insurance products.
For information or to apply for any of the programs call: 1-866-636-0080
or go to http://covertn.gov/.
Cover Tennessee products:
- AccessTN: High-risk pool that provides comprehensive health
insurance for adults with serious physical and/or mental medical conditions,
who have been turned down by insurance companies. Three different
plans are available with varying deductibles. Premium assistance was
once available for low-income people, but is closed at this time.
Less than 5,000* of est. 100,000+ “uninsurable” Tennesseans
are on the program, in large part because the cost of premiums make
the program out of their reach.
- CoverKids: Provides comprehensive health coverage for children
18 years and under and maternity coverage for pregnant women with
incomes up to 250% of the federal poverty level (FPL). Those above
300% can buy-in to the program. This is Tennessee’s version
of the State Children’s Health Insurance Program (S-CHIP), which
all states have. About 31,000* children are on the program and an
estimated 100,000 children who are eligible for either CoverKids or
TennCare for Children (Medicaid) remain uninsured.
- CoverTN: Limited choices and bare-bones coverage for low-wage
employees of small businesses with 50 employees or less (half must
be low-wage workers), the self-employed, and individuals. The state,
individuals, and employers each commit to pay one-third of the monthly
premium; however, employers are not required to pay one-third, so
employee may have to pay up to two-thirds of the premium. Less than
20,000* of est. 600,000 working uninsured adults are on the program.
- Cover Rx: Prescription program that offers affordable medication
to low-income, uninsured Tennesseans. Most of the drugs are generic.
Call or visit Cover Tennessee’s web site for details.
*Source: State of Tennessee, Feb. 2009
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