Buffalo Insurance Group


Under 65
Health Insurance

Buffalo Insurance Group understands that the health insurance marketplace is an ever-changing environment that leads to mass confusion and stress. Individual, family, and small businesses all require different products and coverage strategies. We have the ability to compare multiple plan options and provide you with the best coverage within your available budget. We offer:

  • Major medical policies
  • Short-term health coverage
  • Medi-Share options
  • Fixed benefit plans
  • Guaranteed issue plan
  • Dental
  • Vision

Tennessee has defaulted to a federal health insurance exchange after the Affordable Care Act went into effect in 2010, so you must purchase a plan for the minimum essential coverage under the law. There is income-based assistance for plans in the Health Insurance Marketplace.

Essential benefits include:

  • Emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health
  • Prescription drugs
  • Preventive medicine
  • Emergency services
  • Lab services
  • Pediatric services

Plans that qualify and have minimum essential coverage include plans bought on the Health Insurance Marketplace, a “grandfathered” insurance plan since March 23, 2010 or earlier, a job-based plan, and more. Plans that don’t qualify are plans that only cover vision or dental, workers comp, or coverage for only a specific disease. If you have questions about your current insurance plan, contact Buffalo Insurance Group, LLC for assistance.

It’s important to purchase coverage during the state’s open enrollment period, but there are life events that will allow you to purchase coverage at any time:

  • Losing your employer coverage
  • When COBRA coverage expires
  • Getting married or divorced
  • Losing coverage after turning 26
  • Having a baby or adopting
  • Moving to a new zip code
  • Becoming a U.S. citizen
  • Being discharged from the Armed Forces

A private individual or family health plan may be the right choice for you if these circumstances apply:

  • Self-employment
  • Employer doesn’t offer a group plan
  • A group plan does not cover dependents
  • If the plan you are on has a high premium
  • You need different benefits

There are many policies available in the state of Tennessee to choose from and certain tax breaks you can receive if you meet certain requirements. Having health insurance helps when accidents occur. The protection it gives you and your family goes beyond the means and costs of a hospital visit. Call or visit Buffalo Insurance Group serving Nashville, TN, to learn how to get a health care plan for you and your family and if you have any questions about your policy.