Insurance in Memphis
Data source: US Census year 2000
Compare Health Insurance Providers
Uninsured in Shelby County
Memphis is the county seat of Shelby County.
Two out of ten people in Shelby County (15.3%) lack health insurance. In the state of Tennessee, 12.7% are without.
Among the population under 18 years in Shelby County, 11.6% 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 Memphis
Cities are generally less safe to live in than small towns. Violent crime in Memphis is 344.7% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Memphis is 165.4% higher than nationally.
There are 11067 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Memphis (2% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 92% of Memphis residents drove to work, and 3% 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.
Memphis, 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.
Compare health insurance quotes now!
Local Health Insurance Agents in Memphis, Tennessee
-
Adams Don R
(901) 767-01916263 Poplar Avenue Suite 440
Memphis, Tennessee 38119-4738 -
Affordable Health
(901) 624-1044
Memphis, Tennessee 38103 -
Allegiance Financial Group
(901) 767-50405100 Poplar Ave Ste 2222
Memphis, Tennessee 38103-2207 -
Alpha Maxx Health Care Inc
(901) 259-5341
Memphis, Tennessee 38103 -
Alpha Maxx Healthcare
(901) 259-53411407 Union Ave Ste 802
Memphis, Tennessee 38104-3642 -
American Republic Insurance Company
(901) 820-46255865 Ridgeway Center Pkwy
Memphis, Tennessee 38120-4032 -
Americas Healthcare Rx
(901) 489-09373350 Elvis Presley Blvd
Memphis, Tennessee 38116-3258 -
Answer Plan the
(901) 322-60555100 Poplar Ave
Memphis, Tennessee 38137-4000 -
Anthony, Wayne
(901) 767-20002273 Ridgeway Road
Memphis, Tennessee 38119-6316 -
Avery Lannie C
(901) 683-35274778 Summer Avenue Suite 3
Memphis, Tennessee 38122-4751 -
Banister, Claude E - State Farm Insurance Agent
(901) 794-05571315 Ridgeway Road Suite 104
Memphis, Tennessee 38119-5318 -
Bankers Life & Casualty Co
(901) 756-8867
Memphis, Tennessee 38103 -
Bankers Multiple Line Health & Life Insurance Co
(901) 682-9241
Memphis, Tennessee 38103-0001 -
Baptist Comptrac
(901) 722-9675
Memphis, Tennessee 38103 -
Baptist Comptrac Workers Compeation Program
(901) 722-9675350 N Humphreys Blvd
Memphis, Tennessee 38120-2177 -
Baptist Memorial Health Care Baptist & Physicians, Baptist Comptrac Workers Compensation Program
(901) 722-9675, (901) 227-2474
Memphis, Tennessee 38103 -
Baptist Memorial Health Care Corporation Baptist Comptrac Workers Compensation Program
(901) 722-9675, (901) 227-7123350 N Humphreys Blvd
Memphis, Tennessee 38120-2177 -
Baptist Occupational Health Services Hearing Conservation Program
(901) 722-96756750 Poplar Pike
Memphis, Tennessee 38119-5644 -
Barry Godwin Life & Health Insurance
(901) 363-11883232 S Perkins Rd
Memphis, Tennessee 38118-4353 -
Bluecross Blueshield of Tennessee
(901) 363-11883232 S Perkins Rd
Memphis, Tennessee 38118-4353 -
Borek & Nicholson Insurance
(901) 363-87852500 Mount Moriah Rd
Memphis, Tennessee 38115-1510 -
Burrow, Deloris J - State Farm Insurance Agent
(901) 794-80522757 S Mendenhall Suite 2
Memphis, Tennessee 38115-1531 -
Capitol Mortgage
(901) 372-78006825 Summer Ave
Memphis, Tennessee 38134-4742 -
Capitol Mortgage Protection
(901) 372-78003610 Stonehenge Cv N
Memphis, Tennessee 38135-3088 -
Carpenter, Preston C - State Farm Insurance Agent
(901) 753-16447464 Winchester Rd Suite 108
Memphis, Tennessee 38125-2201 -
Clough, Alan S - State Farm Insurance Agent
(901) 452-19403294 Poplar Avenue Suite 205
Memphis, Tennessee 38111-4650 -
Cosby, Ulysses T - State Farm Insurance Agent
(901) 354-09893094 North Thomas
Memphis, Tennessee 38127-6005 -
Crye-Leike Realtors
(901) 758-56786525 N Quail Hollow Rd Ste 200
Memphis, Tennessee 38120-1310 -
DAnna, Donald B - State Farm Insurance Agent
(901) 767-13255050 Poplar Suite 171
Memphis, Tennessee 38157-0171 -
DuPree, James D - State Farm Insurance Agent
(901) 362-13005495 Winchester Road Suite 8
Memphis, Tennessee 38115-4613 -
Emion Gilbert A
(901) 365-00916030 Knight-Arnold Rd Extended 2
Memphis, Tennessee 38115-3348 -
Farmers Insurance Group of Companies Agents, Kaiser Paul
(901) 372-39002868 Summer Oaks Dr Ste 105
Memphis, Tennessee 38134-2818 -
First Service Insurance Agency
(901) 385-99112851 Stage Village Cove Ste 22
Memphis, Tennessee 38134-4683 -
Future Benefits Insurance Agency
(901) 367-94243557 Bishops Gate Dr
Memphis, Tennessee 38115-4603 -
Gorman, Robert E - State Farm Insurance Agent
(901) 767-13614947 William Arnold Road
Memphis, Tennessee 38117-4237 -
Gray, Janice L - State Farm Insurance Agent
(901) 346-77333341 Elvis Presley Boulevard
Memphis, Tennessee 38116-3257 -
Hall Frank C
(901) 367-94243557 Bishops Gate Dr
Memphis, Tennessee 38115-4603 -
Health Tech Affiliates Comptrac
(901) 722-96751750 Madison Ave
Memphis, Tennessee 38104-6492 -
Himelright, David A - State Farm Insurance Agent
(901) 372-22282657 Appling Road Suite 101
Memphis, Tennessee 38133-5001 -
Hooper II Henry
(901) 278-65001835 Union Avenue Suite 334
Memphis, Tennessee 38104-3900 -
Jeans, Rickey W - State Farm Insurance Agent
(901) 346-03004466 Elvis Presley Blvd #101
Memphis, Tennessee 38116-7129 -
Kaiser Insurance Agency
(901) 372-39002868 Summer Oaks Dr Ste 105
Memphis, Tennessee 38134-2818 -
Kortenber, Carolyn B - State Farm Insurance Agent
(901) 757-03037900 Winchester Road
Memphis, Tennessee 38125-2360 -
Lark Ted Insurance Agency
(901) 372-78003610 Stonehenge Cv N
Memphis, Tennessee 38135-3088 -
Linder, Billy W - State Farm Insurance Agent
(901) 366-65005739 Nanjack Circle
Memphis, Tennessee 38115-2058 -
McGahey and Associates
(901) 937-7543756 Ridge Lake Blvd
Memphis, Tennessee 38120-9420 -
McIllwain, Philip A - State Farm Insurance Agent
(901) 365-14225351 Winchester Road
Memphis, Tennessee 38115-4566 -
Physicians Mutual Insurance Co
(901) 685-76421755 Kirby Pkwy
Memphis, Tennessee 38120-8300 -
Premier Financial
(901) 255-85718275 Tournament Dr
Memphis, Tennessee 38125-8899 -
Ray, Elmer D
(901) 362-65525384 Knight Arnold Road
Memphis, Tennessee 38115-2817 -
Rosser, Misty D - State Farm Insurance Agent
(901) 255-55551440 Shelby Drive Suite 3
Memphis, Tennessee 38116-7253 -
Shelton, Larry J - State Farm Insurance Agent
(901) 363-36316030 Knight Arnold Road
Memphis, Tennessee 38115-3322 -
Simpson, Robert E - State Farm Insurance Agent
(901) 381-12332901 Covington Pike
Memphis, Tennessee 38128-6060 -
Slankard, Melissa D
(901) 272-3888248 South Cooper Street
Memphis, Tennessee 38104-4214 -
Thurmond-Edwards, Kathy - State Farm Insurance Agent
(901) 767-7744680 West Brookhaven Circle
Memphis, Tennessee 38117-9426 -
Warren, George R - State Farm Insurance Agent
(901) 756-60613750 Hacks Cross Rd Suite 109
Memphis, Tennessee 38125-8509 -
Wilkins, Shawn M - State Farm Insurance Agent
(901) 388-49443068 Covington Pike Suite 7
Memphis, Tennessee 38128-5001 -
Williams, Ruby N - State Farm Insurance Agent
(901) 388-00003616 Austin Peay Hwy Suite 7
Memphis, Tennessee 38128-3766
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.
Memphis Facts
Data source: US Census year 2000
Population
Population in Memphis is 643,122.
64% of Memphis residents are African-American, 30% are White, 3% are of some other race, 1% are a mix of two or more races, and 1% are Asian.
Economy
The median income in Memphis is $25,152 for men, and $21,427 for women.
Compared to the typical person in the state of Tennessee, a resident of Memphis makes 9.2% less. The trend for Tennessee is that the median income is increasing. (2006)
66,511 people (10% of the population) were living on an income below the poverty level as of 2006. The poverty in Memphis was decreasing compared to the year before.
The typical home is worth $90,900. 28% of Memphis homeowners own their home outright, paying typically $427 per month in owner costs. Among those with a mortgage (72% of homeowners), the median monthly owner cost is $1,114. (2006)
Housing
There are a total of 294,262 homes in Memphis. Of these, 6,499 were for sale, and 17,130 homes were available to rent in 2006. 136,669 (55%) were owner-occupied, and 112,167 (45%) were occupied by renters. (2006)
Age
The median age for men in Memphis is 31, and in Tennessee the average man lives to be 72. The median age for women in Memphis is 35, and women in Tennessee live to be 78, on average. (2006)
Education
The education level in Memphis is low compared to the national average.
Among men over 25, 24% has a college degree, and 23% has some college. Out of the men that didn't study in college, 61% graduated from High School, and 39% dropped out.
Among women over 25, 26% has a college degree, and 23% has some college. Out of the women that didn't study in college, 62% graduated from High School, and 38% dropped out. (2006)
© HBrothers 2007. Contact us. Header image by Flickr.com user audreyjm529 (CC BY license).