Insurance in Nashville
Data source: US Census year 2000
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Uninsured in Davidson County
Nashville is the county seat of Davidson County.
One out of ten people in Davidson County (12.3%) lack health insurance. In the state of Tennessee, 12.7% are without.
Among the population under 18 years in Davidson County, 8.9% 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 Nashville
Cities are generally less safe to live in than small towns. Violent crime in Nashville is 226.5% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Nashville is 76.6% higher than nationally.
There are 10232 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Nashville (2% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 92% of Nashville 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.
Nashville, 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 Nashville, Tennessee
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Adams, Patrick W - State Farm Insurance Agent
(615) 352-253347 Brookwood Terrace
Nashville, Tennessee 37205-1405 -
Aetna Health Care Insurance, Health Insurance Sales
(615) 322-16001801 W End Ave Ste 500
Nashville, Tennessee 37203-2518 -
Affordable Health & Dental Insurance
(615) 944-3679
Nashville, Tennessee 37201 -
Affordable Health Care
(615) 364-7030104 Park Gln
Nashville, Tennessee 37201-4146 -
Affordable Health Care
(615) 361-00992131 Murfreesboro Pike
Nashville, Tennessee 37217-3367 -
Affordable Insurance
(615) 370-9916127 Franklin St
Nashville, Tennessee 37201-2330 -
Aflac
(615) 250-3030404 Bna Dr Ste 304
Nashville, Tennessee 37217-2582 -
Alliance For Affordable Services
(615) 843-13084721 Trousdale Dr Ste 206
Nashville, Tennessee 37220-1372 -
Alliance For Affordable Services
(615) 476-0671
Nashville, Tennessee 37201 -
Allstate Insurance - Kathy Pharis
(615) 292-35553902 Hillsboro Pike
Nashville, Tennessee 37215 -
American Health
(615) 345-3600220 Belding Dr # 102
Nashville, Tennessee 37201-2202 -
American Health Insurance Service
(615) 345-36001451 Elm Hill Pike Ste 253
Nashville, Tennessee 37210-5503 -
American Health Insurance Service
(615) 345-36043023 Nolensville Pike
Nashville, Tennessee 37211-2301 -
American Medical Security
(615) 385-25883100 W End Ave
Nashville, Tennessee 37203-1320 -
American National Insurance Agents, Moravec Steve
(615) 885-8081109 Donelson Pike
Nashville, Tennessee 37214-2901 -
Arnold, Roy E - State Farm Insurance Agent
(615) 366-4104304 Glengarry Drive
Nashville, Tennessee 37217-2343 -
Banks, Shelley F - State Farm Insurance Agent
(615) 833-13004811C Trousdale Drive
Nashville, Tennessee 37220-1323 -
Bates, Mike - State Farm Insurance Agent
(615) 646-49157091 Old Harding Road
Nashville, Tennessee 37209-2829 -
Booker Insurance Agency
(615) 315-99552805 Foster Ave Ste 205
Nashville, Tennessee 37210-5341 -
Bridges, Stephan W - State Farm Insurance Agent
(615) 329-9229315 14th Avenue North
Nashville, Tennessee 37203-3416 -
Burks, Valinda McDaniel - State Farm Insurance Agent
(615) 292-80502008 8th Avenue
Nashville, Tennessee 37204-2202 -
Carpenter David Ins
(615) 868-4422232 Old Hickory Blvd
Nashville, Tennessee 37221-1302 -
Carr Greer Insurance Agency
(615) 292-57512200 21st Ave S Ste 304
Nashville, Tennessee 37212-4929 -
Carson Joe A
(615) 367-24761451 Elm Hill Pike
Nashville, Tennessee 37210 -
Century II Staffing Inc
(615) 665-9060
Nashville, Tennessee 37201 -
Chester Insurance
(615) 376-9735
Nashville, Tennessee 37201 -
Chris Quail-National Association For the Selfmplyd
(615) 370-0080
Nashville, Tennessee 37201 -
Consumer Health Association
(615) 843-7654295 Plus Park Blvd
Nashville, Tennessee 37217-5303 -
Cook, Marvin D - State Farm Insurance Agent
(615) 391-4966308 Donelson Pike
Nashville, Tennessee 37214-3525 -
Crewse, Cheryl L - State Farm Insurance Agent
(615) 831-180015582 Old Hickory Boulevard
Nashville, Tennessee 37211-7331 -
Davis, Michael C - State Farm Insurance Agent
(615) 321-33882817 West End Avenue
Nashville, Tennessee 37203-1494 -
Donegal Insurance Group
(615) 833-21583706 Nolensville Pike
Nashville, Tennessee 37211-3302 -
Farmer, Heather B - State Farm Insurance Agent
(615) 356-65035214 Harding Road
Nashville, Tennessee 37205-2804 -
Farmers Insurance
(615) 370-9999719 Thompson Ln Ste 342
Nashville, Tennessee 37201-3677 -
Farmers Insurance Group of Companies Agents, Carr Greer
(615) 292-57512200 21st Ave S Ste 304
Nashville, Tennessee 37212-4929 -
Ferris Insurance Services
(615) 367-58873880 Priest Lake Dr
Nashville, Tennessee 37217-4636 -
Fleming Agency the
(615) 366-12001214 Murfreesboro Pike
Nashville, Tennessee 37217-2411 -
Fleming Agency the
(615) 366-1200Po Box 40386
Nashville, Tennessee 37204-0386 -
Gwynne Tapley, Gina G - State Farm Insurance Agent
(615) 834-0021367-B Harding Place
Nashville, Tennessee 37211-3907 -
Harbin, Bethany L - State Farm Insurance Agent
(615) 356-6042600 Old Hickory Boulevard
Nashville, Tennessee 37209-5184 -
Hardeman, Phillip D - State Farm Insurance Agent
(615) 832-06303708C Nolensville Road
Nashville, Tennessee 37211-3329 -
Hearn, Thomas L - State Farm Insurance Agent
(615) 662-1551915 Harpeth Valley Place
Nashville, Tennessee 37221-1141 -
Hughes, Gail A - State Farm Insurance Agent
(615) 361-1906325 Rural Hill Road Suite 1
Nashville, Tennessee 37217-3800 -
Jones, Terry W - State Farm Insurance Agent
(615) 256-60662214 Metro Center Blvd #120
Nashville, Tennessee 37228-1316 -
Knox III, William W - State Farm Insurance Agent
(615) 297-35275110 Delaware Avenue
Nashville, Tennessee 37209-2133 -
Mangrum & Associates Insurance Agency Inc
(615) 298-1388634 W Iris Dr
Nashville, Tennessee 37204-3191 -
Matthews, Jerry M - State Farm Insurance Agent
(615) 361-15162010 Murfreesboro Road
Nashville, Tennessee 37217-3206 -
McClain, Lester C - State Farm Insurance Agent
(615) 383-04492209 Crestmore Road Suite 200
Nashville, Tennessee 37215-2033 -
McElhaney, Craig A - State Farm Insurance Agent
(615) 386-9335718 Thompson Lane, Suite 118B
Nashville, Tennessee 37204-3612 -
National Association For the Self Employed
(615) 370-0080101 Park Gln
Nashville, Tennessee 37204-4146 -
National Association For the Self Employed
(615) 370-0080101 Westover Dr
Nashville, Tennessee 37205-3718 -
National Health Insurance Co
(615) 292-39353212 W End Ave
Nashville, Tennessee 37203-1333 -
Neuhoff, Sidney W - State Farm Insurance Agent
(615) 298-32764544 Harding Road Suite 216
Nashville, Tennessee 37205-2121 -
Osborne, Eric M - State Farm Insurance Agent
(615) 837-9000390 Harding Place Suite 102
Nashville, Tennessee 37211-3998 -
Parker & Watts Insurance Agency
(615) 833-33004825 Trousdale Dr Ste 224
Nashville, Tennessee 37220-1357 -
Pharr, Phill S - State Farm Insurance Agent
(615) 832-08975814 Nolensville Rd Suite 108
Nashville, Tennessee 37211-6539 -
Reliance Health Group
(615) 385-4666102 Woodmont Blvd Ste 110
Nashville, Tennessee 37205-5248 -
Reserve National Insurance Company
(615) 354-10086682 Charlotte Pike
Nashville, Tennessee 37209-4244 -
Roberts Jr, Dewey L
(615) 356-3500296 White Bridge Road
Nashville, Tennessee 37209-3226 -
Sargent Jr, Charles M - State Farm Insurance Agent
(615) 385-17004094 Hillsboro Road Suite 202
Nashville, Tennessee 37215-2719 -
Signature Health Alliance
(615) 251-4674618 Church St Ste 301
Nashville, Tennessee 37219-2437 -
Stewart, Barbara K - State Farm Insurance Agent
(615) 391-53003055 Lebanon Rd Bldg II #2103
Nashville, Tennessee 37214-2230 -
Stone, Terry E - State Farm Insurance Agent
(615) 833-88885100 Nolensville Road
Nashville, Tennessee 37211-6054 -
Summers, S Jeffery - State Farm Insurance Agent
(615) 320-30161915 Church Street
Nashville, Tennessee 37203-2203 -
T A B Workers Compensation Trust
(615) 256-2219611 Commerce St
Nashville, Tennessee 37203-3742 -
Thurston Winslow Insurance Agency
(615) 353-02026600 Highway 100
Nashville, Tennessee 37205 -
Underwood, James E - State Farm Insurance Agent
(615) 352-43336922 Highway 70 South
Nashville, Tennessee 37221-2203 -
Varallo Insurance
(615) 361-4425976 Village Hills Dr
Nashville, Tennessee 37217-3715 -
Walker Jr, Arthur W - State Farm Insurance Agent
(615) 865-28863640 Dickerson Road Suite 8
Nashville, Tennessee 37207-1771 -
Watts, Bobby R - State Farm Insurance Agent
(615) 228-13384703 Gallatin Road
Nashville, Tennessee 37216-1712 -
Watts, James P - State Farm Insurance Agent
(615) 228-13384703 Gallatin Road
Nashville, Tennessee 37216-1712 -
Wells Jr, Vernon F - State Farm Insurance Agent
(615) 833-63334704 Nolensville Road
Nashville, Tennessee 37211-5408
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.
Nashville Facts
Data source: US Census year 2000
Population
Population in Nashville is 553,988.
64% of Nashville residents are White, 29% are African-American, 3% are Asian, 2% are of some other race, and 1% are a mix of two or more races.
Economy
The median income in Nashville is $30,733 for men, and $24,692 for women.
Compared to the typical person in the state of Tennessee, a resident of Nashville makes 9.3% more. The trend for Tennessee is that the median income is increasing. (2006)
41,195 people (7% of the population) were living on an income below the poverty level as of 2006. The poverty in Nashville was increasing compared to the year before.
The typical home is worth $153,200. 27% of Nashville homeowners own their home outright, paying typically $398 per month in owner costs. Among those with a mortgage (73% of homeowners), the median monthly owner cost is $1,214. (2006)
Housing
There are a total of 264,037 homes in Nashville. Of these, 3,174 were for sale, and 12,555 homes were available to rent in 2006. 142,436 (60%) were owner-occupied, and 96,255 (40%) were occupied by renters. (2006)
Age
The median age for men in Nashville is 34, and in Tennessee the average man lives to be 72. The median age for women in Nashville is 37, and women in Tennessee live to be 78, on average. (2006)
Education
The education level in Nashville is high compared to the national average.
Among men over 25, 40% has a college degree, and 17% has some college. Out of the men that didn't study in college, 63% graduated from High School, and 37% dropped out.
Among women over 25, 38% has a college degree, and 21% 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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