Tennessee Insurance Group: 90-Second Supplemental Insurance Quote Request

The demand for more benefits and more benefit choices in Tennessee has increased drastically over the last few years. Supplemental insurance policies satisfy that demand by offering flexible products ranging from dental insurance to travel insurance at affordable prices. Please note that supplemental insurance is designed to augment existing coverage and IS NOT a substitute for traditional insurance.

Dental Insurance
Dental care can be as simple as a cleaning and x-rays, or it can involve costly services ranging from braces to crowns and oral surgery. Dental insurance can be an affordable way to not only manage the costs of regular checkups and cleanings, but also to protect against more costly treatments that we all fear so much. Dental insurance is the most requested type of supplemental insurance.

Vision Insurance
As our bodies age our eyes develop needs beyond a typical vision exam or eyeglasses. The leading causes of vision impairment and blindness in the United States are all age or disease related:

AGE-RELATED MACULAR DEGENERATION (AMD)
The most common cause of vision impairment in older Americans.
CATARACTS
More than 20 million Americans have cataracts.
DIABETIC RETINOPATHY
More than 10 million Americans have diabetes, which leads to this disease.
GLAUCOMA
Affects almost 3 million older Americans.

Basic vision benefits offered in health insurance plans are not always enough to cover deductibles, copays, and out-of-pocket expenses like travel to vision care specialists.

Cancer Insurance
Everyone knows someone whose life has been affected by cancer. According to the American Cancer Society, nearly 1 out of 3 people in Tennessee will have some form of cancer in their lifetime.

Unfortunately, health insurance will not cover the indirect costs associated with this disease such as travel, food, lodging, and lost earnings. Cancer policies pay benefits directly to the insured, helping to make ends meet during difficult times.

Cancer insurance is the second most requested type of supplemental insurance behind dental insurance.

Specified Disease Insurance
Specified disease insurance, also known as dread disease or critical illness insurance, is medical insurance that pays benefits when the insured person is diagnosed with a specific illness or condition named in the policy. Like most supplemental plans, benefits are paid directly to the insured, allowing the freedom to spend the proceeds as needed.

Accident Insurance
Did you know that an at-home injury occurs in the United States every four seconds? Accidents happen! You don′t plan them, but you can plan for them.

While any accidental injury is going to be covered under a major medical health insurance policy, many families will find themselves paying out-of-pocket costs because rising health insurance premiums have forced them to raise their deductible or even strip away copays. Because accident policies pay directly to the insured, they offer first dollar coverage for accidental injuries, offering families to seek the care the need without the worry of unexpected costs.

Hospital Indemnity Insurance
Also known as hospital income and hospital confinement plans, hospital indemnity plans offer immediate benefits for covered hospital stays due to accident and illness. Unlike health insurance plans, which pay to the hospital, this type of plan pays directly to the insured.

Hospital indemnity plans typically pay a flat sum for initial admission to the hospital and then predetermined amounts for every day that the insured is hospitalized as well as associated events like inpatient doctor visits, surgeries, and miscellaneous expenses.

Intensive Care Insurance
Time spent in a hospital's intensive care unit will be much more expensive than time spent in a private room. Intensive care insurance pays a benefit for each day spent in an intensive care unit.

Travel Insurance
Whether you're planning a trip inside Tennessee or outside, there’s always something exciting about traveling. But excitement can quickly turn to frustration when the unexpected occurs. Travel insurance protects against financial costs resulting from crises such as the cancellation of a big trip, lost luggage, and emergency medical attention.

There are five primary types of travel insurance:

TRIP PROTECTION
Pays for non-reimbursable travel expenses if an emergency occurs resulting in trip cancellation or postponement. This benefit is the staple of travel insurance.
INTERNATIONAL MEDICAL
Usually included in a travel insurance plan, the international medical benefit is temporary major medical health insurance that will cover medical emergencies while traveling in foreign countries.
EMERGENCY MEDICAL EVACUATION
Covers the cost of transporting a seriously injured or ill person to an adequate medical facility while traveling. While usually included with international medical insurance and travel protection plans. This benefit can also be purchased separately from a travel insurance plan.
ACCIDENTAL DEATH & DISMEMBERMENT (AD&D)
Pays the insured or the beneficiary a substantial lump sum benefit when an accident results in death or the loss of a body part.
ANNUAL INTERNATIONAL MEDICAL
Annual renewable international medical insurance, which is appropriate for employees working abroad, international organizations, and missionaries.

90-Second Quote Request!
First Name:
Last Name:
Daytime Phone:
Evening Phone:
Zip Code:
Email Address:

Coverage: (check all that apply)	Dental
	Vision
	Cancer
	Specified Disease
	Accident
	Hospital Indemnity
	Intensive Care
	Travel

Gender:	Male Female
Birth Date:
Height:
Weight:
Tobacco User?	Yes No
Medications?	Yes No

Please provide special instructions or any additional information that would aid us in obtaining the best quote possible.

Supplemental Insurance Companies We Represent

Please note that this page provides only an overview of the different types of Tennessee supplemental insurance. The information displayed here is intended to help you request a supplemental insurance quote. Please refer to your policy for more information concerning your coverage.