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Insurance in Chattanooga

Data source: US Census year 2000

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Uninsured in Hamilton County

Chattanooga is the county seat of Hamilton County.

One in ten

One out of ten people in Hamilton County (11.7%) lack health insurance. In the state of Tennessee, 12.7% are without.

Among the population under 18 years in Hamilton County, 6.8% are uninsured, while the figure for Tennessee is 8.4%.

in 2005, 85% of Americans had some medical expense, spending on average $1,166.

Crime and Safety in Chattanooga

Cities are generally less safe to live in than small towns. Violent crime in Chattanooga is 168.9% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Chattanooga is 142.3% higher than nationally.

There are 2763 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Chattanooga (2% of the population).

Accidents

Commuting to work is a fact of life for most Americans. In 2000, 93% of Chattanooga residents drove to work, and 2% used public transport. 2% walked to work, and 0% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.

In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.

Chattanooga, Tennessee Health Insurance

With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.

Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.

One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.

While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.

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Local Health Insurance Agents in Chattanooga, Tennessee

  • Ace Spyshop Surveillance & Security

    (423) 892-0779


    Chattanooga, Tennessee 37402

  • Aflac Insurance Regional Office

    (423) 870-7010

    1200 Mountain Creek Rd Ste 130
    Chattanooga, Tennessee 37405-1659

  • Aflac Regional Office

    (423) 870-7010

    1200 Mountain Creek Rd Ste 180
    Chattanooga, Tennessee 37405-1752

  • Allen Rob

    (423) 756-0711

    735 Broad St
    Chattanooga, Tennessee 37402-1804

  • Andrew Leonard Health Benefits

    (423) 893-4975


    Chattanooga, Tennessee 37402

  • Au Jr, Harry B - State Farm Insurance Agent

    (423) 266-7361

    833 McCallie Avenue
    Chattanooga, Tennessee 37403-2613

  • Bailey Kathy Ins

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • Bennett David

    (423) 756-0711

    735 Broad St
    Chattanooga, Tennessee 37402-1804

  • Beville Douglas F Clu

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • Billingsley Pat Ins

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • Blake & Associates

    (423) 648-1897

    100 Cherokee Blvd
    Chattanooga, Tennessee 37405-3878

  • Bluecross Blueshield of Tennessee

    (423) 763-3136

    801 Pine St
    Chattanooga, Tennessee 37402-2520

  • Brandao Julie

    (423) 756-0711

    735 Broad St
    Chattanooga, Tennessee 37402-1804

  • Care Entree

    (423) 892-0779


    Chattanooga, Tennessee 37402

  • Confidential Debt Solutions

    (423) 892-0779


    Chattanooga, Tennessee 37402

  • Cowart Stroud

    (423) 756-0711

    735 Broad St
    Chattanooga, Tennessee 37402-1804

  • Dagnan Linda

    (423) 266-5215

    133 N Market St
    Chattanooga, Tennessee 37405

  • Danks, Harold B - State Farm Insurance Agent

    (423) 698-2403

    4706 Brainerd Road Suite 115
    Chattanooga, Tennessee 37411-3829

  • Dyar, Wade S - State Farm Insurance Agent

    (423) 855-8800

    1720 Gunbarrel Rd Suite 304
    Chattanooga, Tennessee 37421-3192

  • Empire General Life Assurance Co

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • First Colony Life Insurance Co

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • Fry, John E - State Farm Insurance Agent

    (423) 698-5552

    844 S Germantown Road, Suite C
    Chattanooga, Tennessee 37412-1700

  • Galloway-Dawkins, Maridee - State Farm Insurance Agent

    (423) 499-9303

    6610-A Lee Highway
    Chattanooga, Tennessee 37421-2421

  • Hooper Robert F Clu

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • Hughes, William H - State Farm Insurance Agent

    (423) 870-1809

    3501C Dayton Blvd
    Chattanooga, Tennessee 37415-4632

  • Johnson, Jeffrey M - State Farm Insurance Agent

    (423) 899-4159

    4762 Highway 58
    Chattanooga, Tennessee 37416-2293

  • Lane Jr, John E - State Farm Insurance Agent

    (423) 894-2380

    951 Eastgate Loop Suite 202
    Chattanooga, Tennessee 37411-5603

  • Layton & Associates

    (423) 894-4700

    5803 Lee Hwy Ste 104
    Chattanooga, Tennessee 37421-3547

  • Legacy Financial Management

    (423) 473-9925

    7405 Shallowford Rd
    Chattanooga, Tennessee 37421-2661

  • Little Jr, John R - State Farm Insurance Agent

    (423) 894-8573

    4830 Highway 58 Suite 10
    Chattanooga, Tennessee 37416-1840

  • Little, James C - State Farm Insurance Agent

    (423) 894-3839

    6321A East Brainerd Road
    Chattanooga, Tennessee 37421-3969

  • Lively, Sondra K - State Farm Insurance Agent

    (423) 870-1173

    4105 Dayton Boulevard Suite B
    Chattanooga, Tennessee 37415-7136

  • McConnell, Sherrell - State Farm Insurance Agent

    (423) 894-5568

    8703 East Brainerd Road
    Chattanooga, Tennessee 37421-4369

  • Meador Marie Fox Agency

    (423) 877-8267

    3871-B Hixson Pke
    Chattanooga, Tennessee 37415-3563

  • Moore, Nancy S - State Farm Insurance Agent

    (423) 622-1534

    3529 Brainerd Road Suite 1
    Chattanooga, Tennessee 37411-2770

  • Mulligan, Marty L

    (423) 624-6706

    1419 Marlboro Drive
    Chattanooga, Tennessee 37412-2828

  • National Transportation Alliance Inc.

    (423) 490-7178

    3712 Ringold Road, Suite 272
    Chattanooga, Tennessee 37412-1638

  • Phillips Eddie Insurance Agency

    (423) 624-8156

    1071 Wynnwood Rd
    Chattanooga, Tennessee 37412-1245

  • Protective Life Insurance

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • Pyatt, Larry J - State Farm Insurance Agent

    (423) 265-8580

    241 Signal Mt Road Suite B
    Chattanooga, Tennessee 37405-1907

  • Rodgers, Geoffrey F - State Farm Insurance Agent

    (423) 892-9610

    7036 Lee Highway
    Chattanooga, Tennessee 37421-1730

  • Security Connecticut Life

    (423) 267-9729

    800 Vine St
    Chattanooga, Tennessee 37403-2317

  • Senior Lifestyle Resources

    (423) 648-1897

    100 Cherokee Blvd
    Chattanooga, Tennessee 37405-3878

  • Sharpe, David L - State Farm Insurance Agent

    (423) 899-8806

    7401 E Brainerd Rd Suite 140
    Chattanooga, Tennessee 37421-3194

  • Sorrick Jr, Edward E - State Farm Insurance Agent

    (423) 894-2481

    5805 Lee Highway Suite 301
    Chattanooga, Tennessee 37421-3546

  • State Farm Insurance Companies Agents, Danks Dan

    (423) 698-2403

    4706 Brainerd Rd Ste 115
    Chattanooga, Tennessee 37411-3829

  • Stone Insurance-Mack Stone

    (423) 894-7968

    2307 Napier Rd Ste 106
    Chattanooga, Tennessee 37421-1827

  • United American Insurance Co

    (423) 510-0040

    5512 Ringgold Rd Ste 207
    Chattanooga, Tennessee 37412-3174

  • Wildsmith & Associates

    (423) 870-4656

    1 Northgate Park Ste 404
    Chattanooga, Tennessee 37415-6914

Glossary of Terms

Coinsurance
amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
Coordination of Benefits
A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
Copayment
Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
Covered Expenses
Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
Customary fee
Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
Deductible
The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
Exclusions
Specific conditions or circumstances for which the policy will not provide benefits.
Fee-for-Service
The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
HDHP
High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
HMO
(Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
Institutionalized
People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
Kaiser
Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
Managed Care
Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
Maximum Out-of-Pocket
The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
Noncancelable Policy
A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
PPO
(Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
Preexisting Condition
A health problem that existed before the date your insurance became effective.
Premium
The amount you or your employer pays in exchange for insurance coverage.
Primary Care Doctor
Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
Property crime
Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
Provider
Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
Race
Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
Single Coverage
Health insurance that covers medical expenses for one person.
Third-Party Payer
Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
Violent crime
Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.

Chattanooga Facts

Data source: US Census year 2000

Population

Population in Chattanooga is 151,944.

60% of Chattanooga residents are White, 35% are African-American, 2% are a mix of two or more races, 1% are Asian, and 1% are of some other race.

Economy

The median income in Chattanooga is $26,225 for men, and $20,528 for women.

Compared to the typical person in the state of Tennessee, a resident of Chattanooga makes 10.8% less. The trend for Tennessee is that the median income is increasing. (2006)

14,299 people (9% of the population) were living on an income below the poverty level as of 2006. The poverty in Chattanooga was increasing compared to the year before.

The typical home is worth $119,900. 37% of Chattanooga homeowners own their home outright, paying typically $336 per month in owner costs. Among those with a mortgage (63% of homeowners), the median monthly owner cost is $1,007. (2006)

Housing

There are a total of 75,020 homes in Chattanooga. Of these, 1,074 were for sale, and 3,111 homes were available to rent in 2006. 37,723 (57%) were owner-occupied, and 28,795 (43%) were occupied by renters. (2006)

Age

The median age for men in Chattanooga is 35, and in Tennessee the average man lives to be 72. The median age for women in Chattanooga is 39, and women in Tennessee live to be 78, on average. (2006)

Education

The education level in Chattanooga is low compared to the national average.

Among men over 25, 27% has a college degree, and 19% has some college. Out of the men that didn't study in college, 67% graduated from High School, and 33% dropped out.

Among women over 25, 29% has a college degree, and 23% has some college. Out of the women that didn't study in college, 64% graduated from High School, and 36% dropped out. (2006)

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