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Memphis Health Insurance

Though most of the articles recently written on Memphis paint a picture of depression and a dwindling economy, the city has a rich history and hopefully tourism and music lovers will revive the loss one of these days. Memphis is known for its musical roots, and remains the most populous city in Tennessee despite many residents leaving over the past few years. Blues is certainly a staple of Memphis culture, as are other many other genres filling the city’s historical and new venues on a regular basis. The Beale Street area is one of the commercial hubs of the city, with many shops, bars, restaurants, and famed musical events. Memphis also gives its residents access to a different sort of recreation and culture in Overton Park, with hiking and biking trails, golf, tennis, and the Memphis Brooks Museum of Art.

Many Memphis residents are likely uninsured as the population is so large. While some may benefit from public health plans, as individual coverage can get costly for some (especially if you are female), others can take advantage of the six health insurance companies offering coverage in the city. Memphis individual plans are available through Coventry, Aetna, BlueCross BlueShield of Tennessee, Cigna, UnitedHealthOne, and Celtic. As we found 120 plans in our search, your options are many in Memphis. Find the best plan and narrow down the selection by getting a quote or calling us at 888 803 5917.



Sample Memphis Health Insurance Quote

For a better idea of the top plans to choose and how rates can vary in Memphis, we ran a health insurance quote for a 42-year-old female resident living in zip code 37501. She is in great health and does not smoke, so there are no rate increases for any other reasons other than uncontrollable factors. It seems the most affordable copay plan for this resident is Humana One’s Enhanced Copay for $217 per month, which is obviously pretty steep. For a male resident of the same age, the same plan costs $148, therefore not all Memphis coverage is outside of an average price range.

While Humana’s benefits are sufficient, another great plan is offered for $252 per month for a PersonalBlue plan with unlimited office visits similar to the Humana copay plan. Both plans have $35 copays for primary care visits and a $500 prescription deductible, though the Humana plan is technically a POS, whereas BlueCross BlueShield offers a PPO. Given the option, it would be worthwhile to go with the PersonalBlue plan if you need a wider range of providers, though the plans are very similar, so perhaps choosing the lower premium would be wiser based on individual needs.

Cigna also provides a solid comprehensive plan for a few dollars more than the BCBST. Again, the benefits are nearly identical to the plans above, yet this one has a much lower pharmacy deductible at $200 for brand names. UnitedHealthOne and Coventry are also providing extremely similar plans in a very close price range. The Coventry One Plus plan is exceptional if this resident is interested in spending $278 per month, however, for the lowest price in this category, we will recommend Humana or BlueCross BlueShield.






1. CityTownInfo.com. “Memphis, Tennessee”. http://www.citytowninfo.com/places/tennessee/memphis.

2. Image: FrontDoor.com