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Insurance in Knoxville

Data source: US Census year 2000

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Uninsured in Knox County

Knoxville is the county seat of Knox County.

One in ten

One out of ten people in Knox County (10.3%) lack health insurance. In the state of Tennessee, 12.7% are without.

Among the population under 18 years in Knox County, 6.4% 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 Knoxville

Cities are generally less safe to live in than small towns. Violent crime in Knoxville is 128.5% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Knoxville is 89.6% higher than nationally.

There are 2738 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Knoxville (2% of the population).

Accidents

Commuting to work is a fact of life for most Americans. In 2000, 91% of Knoxville residents drove to work, and 1% used public transport. 4% 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.

Knoxville, 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 Knoxville, Tennessee

  • Alliance For Affordable Services

    (865) 966-7786


    Knoxville, Tennessee 37922

  • Allied Insurors

    (865) 577-9847

    10844 Chapman Hwy
    Knoxville, Tennessee 37902

  • Allied Insurors

    (865) 558-6160

    5309 Kingston Pike Ste A
    Knoxville, Tennessee 37919-5010

  • Allied Insurors Halls Office

    (865) 922-0167

    7634 Maynardville Pike
    Knoxville, Tennessee 37938-3756

  • Arp, Bennie R - State Farm Insurance Agent

    (865) 689-4431

    5803 Broadway
    Knoxville, Tennessee 37918-4167

  • Bluecross Blueshield of Tennessee

    (865) 693-6353

    603 Kingstone Pike
    Knoxville, Tennessee 37902

  • Breazeale, Thomas C - State Farm Insurance Agent

    (865) 690-6300

    Kingston Pike at 110 Perimeter
    Knoxville, Tennessee 37922

  • Capital Investments Inc

    (865) 693-6891

    220 S Peters Rd
    Knoxville, Tennessee 37923-5235

  • Cariten Healthcare Cariten Senior Health Sales

    (865) 670-7780

    1420 Centerpoint Blvd
    Knoxville, Tennessee 37932-1960

  • Charles Yates Insurance Services

    (865) 659-0438


    Knoxville, Tennessee 37902

  • Chec of Tn

    (865) 909-9960

    1111 N Northshore Dr
    Knoxville, Tennessee 37919-4005

  • Covenant Health Members of Covenant Health, Cariten Healthcare

    (865) 470-7470


    Knoxville, Tennessee 37902

  • Daniel Insurance Agency

    (865) 909-0082

    6505 Oak Ridge Hwy
    Knoxville, Tennessee 37921-3623

  • Dolinak S Thomas Insurance

    (865) 584-9880

    813 S Northshore Dr Ste 102
    Knoxville, Tennessee 37919-7594

  • Doug Jennings Insurance & Financial Services

    (865) 689-9999

    301 Barberry Dr
    Knoxville, Tennessee 37912-1406

  • Dyar, Jim G - State Farm Insurance Agent

    (865) 690-0700

    10257 Kingston Pike
    Knoxville, Tennessee 37922-3275

  • Farm Bureau Insurance Services Main Office

    (865) 525-4187

    3930 Western Ave
    Knoxville, Tennessee 37921-4451

  • Fortune, Jackie W

    (865) 690-0802

    8044 Ray Mears Blvd Suite 109
    Knoxville, Tennessee 37919-5453

  • Foshee, Tina T - State Farm Insurance Agent

    (865) 922-2195

    4010 Fountain Valley Lane
    Knoxville, Tennessee 37918-5336

  • Fox, Billy J - State Farm Insurance Agent

    (865) 691-2000

    8087 Kingston Pike
    Knoxville, Tennessee 37919-5525

  • Greene Jim & Associates

    (865) 675-4673

    11852 Kingston Pike
    Knoxville, Tennessee 37922-3837

  • Hankal, Phillip M - State Farm Insurance Agent

    (865) 966-6301

    11830 Kingston Pike
    Knoxville, Tennessee 37922-3836

  • Harry Tindell Insurance

    (865) 524-7200

    Po Box 27325
    Knoxville, Tennessee 37927-7325

  • Hartsell, Charles A - State Farm Insurance Agent

    (865) 688-4651

    2330 B Merchants Drive
    Knoxville, Tennessee 37912-5136

  • Henderson, M Todd - State Farm Insurance Agent

    (865) 966-3276

    11020 Kingston Pike Suite 340
    Knoxville, Tennessee 37922-2843

  • Hull, J Alan - State Farm Insurance Agent

    (865) 688-5072

    2912 Tazewell Pike
    Knoxville, Tennessee 37918-1873

  • Insurance Service Group

    (865) 689-6390


    Knoxville, Tennessee 37902

  • Lewis, Michael P - State Farm Insurance Agent

    (865) 694-9118

    9044 Middlebrook Pike
    Knoxville, Tennessee 37923-1507

  • Mayes John Insurance

    (865) 584-1324

    5301 Kingston Pike # A
    Knoxville, Tennessee 37919-5020

  • Maynard III, Dennis J - State Farm Insurance Agent

    (865) 546-0668

    4806 Washington Pike
    Knoxville, Tennessee 37917-2156

  • McSwine, Edward - State Farm Insurance Agent

    (865) 584-2563

    4718 Western Avenue
    Knoxville, Tennessee 37921-3303

  • MilBurn, Margaret Ann - State Farm Insurance Agent

    (865) 690-0965

    9725 Kingston Pike
    Knoxville, Tennessee 37922-3345

  • Monkus, Jerry R - State Farm Insurance Agent

    (865) 588-1811

    7090 Kingston Pike
    Knoxville, Tennessee 37919-5712

  • National Association For the Self Employed

    (865) 546-0444

    200 Prosperity Rd
    Knoxville, Tennessee 37923-4718

  • National Association For the Self Employed

    (865) 219-7244


    Knoxville, Tennessee 37902

  • Newby, J Mark - State Farm Insurance Agent

    (865) 693-7161

    304 South Peters Road
    Knoxville, Tennessee 37923-5407

  • Nichols, J Ryan - State Farm Insurance Agent

    (865) 450-9555

    112 Northshore Drive
    Knoxville, Tennessee 37919-4923

  • Nichols, James D - State Farm Insurance Agent

    (865) 588-0106

    5724 Western Avenue
    Knoxville, Tennessee 37921-2224

  • Nichols, Phillip L - State Farm Insurance Agent

    (865) 922-9711

    7043 Maynardville
    Knoxville, Tennessee 37918-5743

  • Perry Benefits Group Llc

    (865) 909-9960

    5801 Middlebrook Pike
    Knoxville, Tennessee 37921-5996

  • Physicians Mutual/Life Insurance Co

    (865) 970-1585

    8870 Cedar Springs Ln Ste 6
    Knoxville, Tennessee 37923-5407

  • Plauche, A Jackson - State Farm Insurance Agent

    (865) 675-3999

    11420 Kingston Pike
    Knoxville, Tennessee 37922-3915

  • Pressleys Insurance Service

    (865) 687-7857

    3922 Copper Ridge Rd
    Knoxville, Tennessee 37931-1777

  • Pressleys Insurance Service

    (865) 687-7857

    4811 Clinton Highway
    Knoxville, Tennessee 37912-3958

  • Schmitt, Robert N - State Farm Insurance Agent

    (865) 531-0600

    9325 S Northshore Drive
    Knoxville, Tennessee 37922-6548

  • Senior Financial Group Inc

    (865) 690-0153

    9040 Executive Park Dr
    Knoxville, Tennessee 37923-4640

  • Shell Insurance Shell Kyle

    (865) 922-0167

    7634 Maynardville Pike
    Knoxville, Tennessee 37938-3756

  • Smith, Kerry J - State Farm Insurance Agent

    (865) 579-0400

    227 West Young High Pike
    Knoxville, Tennessee 37920-3051

  • Smoky Mountain Bible Fellowship

    (865) 654-5882

    1460 Boyd St
    Knoxville, Tennessee 37921-6412

  • Townsend, Jacquelyn R - State Farm Insurance Agent

    (865) 531-0604

    7815 Oak Ridge Highway
    Knoxville, Tennessee 37931-2314

  • Trh

    (865) 525-4187

    3930 Western Ave
    Knoxville, Tennessee 37921-4451

  • United American Ins

    (865) 687-2351

    2823 Essary Dr
    Knoxville, Tennessee 37918-2402

  • Wells Raymond E

    (865) 693-6353


    Knoxville, Tennessee 37902

  • Wilson, Petrcy R - State Farm Insurance Agent

    (865) 588-9393

    1508 Coleman Road Suite 101
    Knoxville, Tennessee 37909-4858

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.

Knoxville Facts

Data source: US Census year 2000

Population

Population in Knoxville is 175,027.

80% of Knoxville residents are White, 15% 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 Knoxville is $23,283 for men, and $16,654 for women.

Compared to the typical person in the state of Tennessee, a resident of Knoxville makes 17.8% less. The trend for Tennessee is that the median income is increasing. (2006)

18,430 people (11% of the population) were living on an income below the poverty level as of 2006. The poverty in Knoxville was increasing compared to the year before.

The typical home is worth $101,400. 36% of Knoxville homeowners own their home outright, paying typically $323 per month in owner costs. Among those with a mortgage (64% of homeowners), the median monthly owner cost is $991. (2006)

Housing

There are a total of 90,067 homes in Knoxville. Of these, 778 were for sale, and 4,692 homes were available to rent in 2006. 40,276 (51%) were owner-occupied, and 39,142 (49%) were occupied by renters. (2006)

Age

The median age for men in Knoxville is 32, and in Tennessee the average man lives to be 72. The median age for women in Knoxville is 37, and women in Tennessee live to be 78, on average. (2006)

Education

The education level in Knoxville is high compared to the national average.

Among men over 25, 34% has a college degree, and 17% has some college. Out of the men that didn't study in college, 66% graduated from High School, and 34% dropped out.

Among women over 25, 32% has a college degree, and 19% has some college. Out of the women that didn't study in college, 63% graduated from High School, and 37% dropped out. (2006)

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