Products

Individual and Family Health Insurance for Tennessee

When you don’t have coverage through an employer, how in the world do you get health insurance in Tennessee?

It’s easy to find sky-high premiums or policies that exclude preexisting conditions. And websites abound promoting cheap noninsurance discount or cost-sharing plans (with questionable savings).

But if you want truly affordable health insurance that helps cover medical costs without breaking the bank, we can help!

As an independent insurance agency, we are a one-stop shop allowing you to compare a variety of quality products so you can understand and choose what’s best for you!

Medicare Advantage, Med Supp and Prescription Drug Plans

If you’re a little confused when it comes to Medicare, you’re certainly not alone!

Is a Medicare Supplement (Medigap) plan right for you or should you choose Medicare Advantage? What about a stand-alone PDP?

How do you find a plan with all your doctors and medications and a good selection of benefits to meet your needs?

While you could pick up any of those mailers you receive and call the company, you’ll get a more personalized solution by working with your own independent agent. We can help!

Affordable Coverage for Dental, Vision and Hearing

We have some great solutions to help take care of your eyesight and hearing. And to keep your smile looking its best, we have dental insurance with no waiting period!

A New Kind of Small Business Insurance (ICHRA)

As a small business owner, it’s important to attract and retain quality employees – and providing good health insurance is key.

To beat rising costs, a growing trend in group insurance is something called ICHRA, which stands for Individual Coverage Health Reimbursement Arrangement.

An ICHRA allows employers to set a fixed, pre-tax contribution for each employee, who can then use it to purchase their own health insurance plan, either through the Marketplace or privately.

ICHRA can often provide significant cost savings over traditional group coverage. To explore options for your business, let’s talk!

Final Expense Life Insurance – and Peace of Mind

The last thing anyone wants to leave behind is the need for a fundraiser to pay cremation or burial costs. And yet that happens way too often!

It’s a decision that’s easy to put off. But just looking at your options can actually bring a lot of peace and clarity.

Not everyone needs a life insurance policy. But if you do, your premiums will never be lower than today, and we can lock in that low premium so you never see a rate increase – ever!

Just a few minutes is all it takes to explore options and know how best to protect your family.

Products

Individual and Family Health Insurance for Tennessee

Medicare Advantage, Med Supp and Prescription Drug Plans

Affordable Coverage for Dental, Vision and Hearing

A New Kind of Small Business Insurance (ICHRA)

Final Expense Life Insurance – and Peace of Mind

Ready to find a better way?

Horizon Life & Health

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