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Memphis Health Insurance Options

​Memphis, Tennessee has many options to choose from on the health insurance marketplace. When going through your options, you need to take into consideration which area providers and hospitals are going to be participating, in network doctors and hospitals.

Even though Blue Cross and Blue Shield of Tennessee has asked for a large increase for 2016, they offer the lowest cost plans in the area, with the most comprehensive networks. BCBST offers three different network options in the Memphis area: E, S, and P Networks.

You are also going to see competitive options from Community Health Alliance and Humana. CIGNA and Assurant are also available on the health insurance marketplace, but are overpriced, and, in my opinion, not worth the 50-75% extra.

Here are some of the largest, most visited hospitals for a quick look at which networks they participate in:

Methodist Memphis Healthcare – 968 affiliated providers

  • E Network – BCBST
  • S Network – BCBST
  • P Network – BCBST
  • CIGNA

Baptist Memorial Hospital – 875 affiliated providers

  • P Network
  • Humana – PPOx
  • Community Health Alliance
  • Assurant

St. Jude Children’s Research Hospital

  • E Network – BCBST
  • S Network – BCBST
  • P Network – BCBST
  • Humana – PPOx
  • Assurant

Regional One Health – 224 affiliated providers

  • E Network – BCBST
  • S Network – BCBST
  • P Network – BCBST
  • Community Health Alliance

Saint Francis Hospital – 194 affiliated providers

  • S Network – BCBST
  • P Network – BCBST
  • Humana – PPOx
  • Community Health Alliance
  • Assurant

As you can see, there can be a big difference in providers and hospitals from one company’s network to another. It’s also good to understand that hospital networks can change mid-year. The network negotiations that go on between network administrators and doctors can come up at any time during the year, so it’s always a prudent decision to check your doctor or hospital’s network participation a few times throughout the year.

To check the network affiliations, here are links to their direct doctor search web tools.

BCBST

Community Health Alliance

Humana

Assurant

CIGNA

Andrew Hetzler is the Chief Operating Officer of American Exchange. For a free consultation with a licensed agent call 1-888-995-1674 or email info@americanexchange.com. To contact Andrew directly, you can email him at andrew.hetzler@americanexchange.com.

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