subject: Have You Lost Group Tennessee Health Insurance Coverage? [print this page] Have You Lost Group Tennessee Health Insurance Coverage?
High unemployment rates have led to more people losing their health insurance in Tennessee. The rising cost of insuring employees has also pushed more companies to drop health coverage for employees or make workers shoulder more of the cost of their own health care. With the state of the economy, it's not that easy to find a job with health care as a benefit.If you've lost coverage, you need a crash course in how to find adequate coverage without paying top dollar for it. Waiting to find another job that offers Tennessee health insurance carries the risk a big medical bills should you become injured or sick. Where do you start when you have to find coverage on your own?Health Insurance For Tennessee Has Been RatedTennessee residents are fortunate to have health plans ranked by not only member satisfaction, but also by effectiveness for disease prevention and treatment through the U.S. News & World Report for 2009/2010. Imagine being able to see what people can tell you who have, in effect, already taken specific Tennessee health insurance plans out for a "test drive."When people were interviewed about how their Tennessee insurance plans have performed, they noted whether it was easy to get services on a timely basis. That included appointments with doctors, standard preventive services, lab tests and other treatments. They also discussed how satisfied they were with the performance of primary care physicians and specialists. That included how well doctors were able to communicate with patients and whether patients were satisfied were their care and treatment plans. How physicians perform becomes most critical in HMO plans that limit services to in-network doctors for all care that's not on an urgent or emergency basis.Tennessee Health Insurance Companies Were RatedHealth insurance in Tennessee was also ranked on the insurer's performance, such as how claims were handled, the quality of customer service that was provided and what members thought of plan services overall. For example, the number of 15-month-olds who benefited from at least six well-child exams, and the number of children ages three to six who had at least one such exam in the latest year were considered. The ratings also included well-care visits for children and adolescents ages seven through twenty-one.For adults, first trimester prenatal exams were included for mothers-to-be along with postpartum exams between three to eight weeks after the birth of the baby. Another important aspect of evaluating adult services involved screening for cancer, such as colonoscopies, mammograms and pap tests.In addition, plans were evaluated on the treatment effectiveness for asthma, diabetes and high blood pressure and cholesterol. Treatment for alcohol or drug dependence, depression and mental illnesses was also considered.Rankings also took a look at the overall appropriate use of antibiotics and other prescription drugs, such as those used for COPD, heart disease and rheumatoid arthritis. Even medication and consultations to help people stop smoking were considered.One Tennessee Health Insurance Company Led In The RankingsTwo of UnitedHealthcare's HMO plans came out on top followed by Cigna's HMO/POS plan, UnitedHealthcare's HMO/POS plan, Cariten HMO/POS plan and Aetna's HMO/POS plan respectively.These Tennessee health insurance ratings were prepared in combination with the National Committee for Quality Assurance (NCQA), which is the main accrediting organization dealing with managed care in the United States.
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