Health Insurance Plans in Tennessee

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Eligibility Requirements

You are eligible for coverage under this Policy if, at the time of application:

• You are a citizen or national of the United States, or a non-citizen who is lawfully present in the United States, and are reasonably expected to be a citizen, national, or a non-citizen who is lawfully present for the entire period for which enrollment is sought; and
• You are a resident of the state of Tennessee; and
• You live in the Service Area in which You are applying, and intend to continue living there for the entire period for which enrollment is sought; and
• You are not incarcerated other than incarceration pending the disposition of charges; and
• You do not reside in an Institution; and
• You have submitted a completed and signed application for coverage and have been accepted in writing by Us.

The Policyholder must notify Us of all changes that may affect any Member's eligibility under this Policy. 

Other insured persons may include the following Family Members:

• Your lawful spouse who lives in the Service Area
• Your children until the end of the plan Year in which the child reaches age 26.
• Your own, or Your spouse's Newborn children are automatically covered for the first 31 days of life. To continue coverage past that time, You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of birth, and pay any additional Premium. Coverage for a Newborn dependent child enrolled within 60 days of birth will be retroactive to the date of the child’s birth.
• An adopted child, including a child who is placed with You for adoption, is automatically covered for 31 days from the date of the adopted child's placement for adoption or initiation of a suit of adoption. To continue coverage past that time, You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the date of adoption, and pay any additional Premium. Coverage for an adopted dependent child enrolled within 60 days of adoption will be retroactive to the date of the child's placement for adoption or initiation of a suit of adoption.
• A child who is placed with You for foster care is automatically covered for 31 days from the date of the foster child’s placement. To continue coverage past that time, You must enroll the foster child as a Family Member by applying for his or her enrollment as a dependent within 60 days of the date the child is placed with You for foster care, and pay any additional Premium. Coverage for a foster child enrolled within 60 days of placement for foster care will be retroactive to the date of the child’s placement for foster care.
• If a court has ordered a Policyholder to provide coverage for an eligible child (as defined above) coverage will be automatic for the first 31 days following the date on which the court order is issued. To continue coverage past that time, You must enroll the child as a Family Member by applying for his or her enrollment as a Family Member within 60 days of the court order date, and pay any additional Premium. Court-ordered coverage for a dependent child enrolled within 60 days of the court order will be retroactive to the date of the court order.
• Your stepchildren who live in the Service Area until the end of the plan Year in which the stepchild reaches age 26
• A minor child who is by court or administrative order in the custody of a guardian who is a resident of Tennessee and covered under this Policy.
• Your own, or Your spouse’s children, regardless of age, enrolled prior to age 26, who live in the Service Area and are incapable of self-sustaining employment by reason of intellectual or physical disability and are chiefly dependent upon the Insured Person for support and maintenance. Cigna Healthcare may require written proof of such disability, and dependency within 31 days prior to the end of the Year in which the child reaches age 26.

NOTE: A child enrolled as a Family Member under this Policy who resides outside of the Service Area is entitled to receive, while outside the Service Area, only Emergency Services for Emergency Medical Conditions.

Please refer to the policy for additional eligibility requirements.

Applicants must reside in the following Tennessee counties at the time of application:

Chattanooga Counties:

Bledsoe, Bradley, Franklin, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea, Sequatchie

Jackson Counties:

Benton, Carroll, Chester, Crockett, Decatur, Dyer, Gibson, Hardeman, Hardin, Henderson, Henry, Lake, Madison, McNairy, Obion, Weakley

Knoxville Counties:

Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, Monroe, Morgan, Roane, Scott, Sevier, Union

Memphis Counties:

Fayette, Haywood, Lauderdale, Shelby, Tipton

Nashville Counties:

Cheatham, Davidson, Montgomery, Robertson, Rutherford, Sumner, Trousdale, Williamson, Wilson

Tri-Cities Counties:

Carter, Greene, Hancock, Hawkins, Johnson, Sullivan, Unicoi, Washington 

Dependents are not required to share the same address as the primary policyholder.