The Insurance Assistance Office for Seniors provides general insurance information and makes referrals to other agencies for Senior Citizens and others who are eligible for Medicare. Medicare Supplements and other senior health insurance coverage information is available. Presentations to groups are available upon request. The Health Care Fraud and Abuse Program was established through a federal grant awarded to the Department of Commerce and Insurance. The intent of the grant is to promote cooperation between citizens, private industry, and law enforcement agencies fighting health care fraud and abuse in Tennessee through increased education .
Presentations are available to the public and industry groups upon request.
This happens most frequently with life insurance policies. This clause may state that, for a specified period, benefits are not payable for illnesses diagnosed before the effective date of the policy. They may not even tell you about the extra coverage at all. The agent may promise the person a new policy at a low cost. The reason the policy costs so little is because the rest of the premium is being drawn from the first policy's cash value.