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We offer both traditional and non-traditional health insurance options. Davan Enterprises Insurance Agency prides itself on providing unique solutions for our clients. Below are some of those solutions including Christian Health Sharing ministry programs that can also be group health plans for churches or other non-profit Christian organizations. Also, a private care membership program for those that either don't have insurance or individuals that have a high deductible health plan that they just can't use unless it's an extreme emergency. In addition to that we understand how confusing it can get when you reach that milestone of becoming eligible for Medicare and we enjoy educating clients on the many different plans and options that best fit their Medicare needs.
Beyond our unique solutions we do offer the more traditional health insurance offering such as individual major medical, dental, vision, and short-term medical plans in Tennessee, Virginia, North Carolina, and Georgia. For specific needs to help fill in gaps or assist with out of pocket costs we also offer a variety of supplement insurance plans such as Accident, Cancer, and Hospitalization. Schedule an appointment and see how we can help you!
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Individual & Family Health Insurance Options Through Marketplace
Open enrollment is a yearly time period set by the ACA. For 2022 the time period begins November 1st and ends December 15th. It’s your time to shop for individual health insurance and purchase a plan. If you’re ready, you can call us or just click the link below to request a free quote. It is really easy and only takes 5 minutes.
If you miss this window of time to purchase a plan, there are some exceptions called Qualified Life Events that let you buy a plan during a Special Enrollment Period but it only for a limited time such as 30 days.
Depending on your family situation and annual income, you may be able to qualify for a tax credit to help reduce the amount of premium you pay for your health insurance costs. you can click our button below to find out how much you may qualify for before you buy your plan. (Disclaimer: Davan Enterprises may charge a service fee for certain health insuance enrollments. If one applies a member of our team will contact you and let you know)
Temporary Insurance Plans
Short Term health insurance, underwritten by National General Insurance Company, is a flexible health insurance coverage solution when you need coverage for a period of transition in your life. You can choose coverage for up to 12 months. However, pre-existing conditions will not be covered, and this is NOT a substitute for traditional health insurance as it does not meet the Minimum Essential Coverage as required by the Affordable Care Act. To learn more or to see if this is the best option for you Schedule an Appointment or Download the Brochure.
Christian Health Sharing Plans
Health Sharing is an alternative to traditional health insurance. Member's share each other's needs. If you are tired of traditional health insurance over regulation and looking for an affordable alternative, then a Health Sharing plan may be the solution for you. We offer two types: Medi-share for Christians and Sedera for anyone/everyone else including if you are an employer group! (This alternative is not a good fit for those that may have pre-existing conditions as they may not be covered)
GeoBlue Voyager fills health and safety gaps internationally
Travel health insurance that helps short-term leisure, student, businessor missionary travelers identify access and pay for quality healthcare.
Insurance - Even if you are already enrolled in a health plan, your coverage is limited whe you travel abroad.
Information - Where do you turn to learn which hospitals and physicians meet your standards?
Access to quality care - How do you find a western trained, English-speaking doctor with the appropriate skills?
GeoBlue provides all this and more!
Medical & Trip Protection
Travel plans can change for any reason. Savvy travelers insure their trip and their health with a travel protection plan from HTH Worldwide.
What is Trip Protector?
It is a comprehensive plan to protect you while you are traveling. TripProtector includes medical protection, trip cancellation, trip interuption, baggage protection and more. It's the coverage and services you need to help you identify, access and pay for healthcare services in 190 countries.
Why Buy TripProtector?
You vacation is an investment that can be easily protected with coverage for certain expenses should circumstances force you to cancel or interrupt your trip:
Persons in Family/Household | 100% of FPL | 138% of FPL | 150% of FPL | 200% of FPL | 250% of FPL | 300% of FPL | 400% of FPL |
---|---|---|---|---|---|---|---|
1 | $14,580 | $20,121 | $21,870 | $29,160 | $36,460 | $43,740 | $58,320 |
2 | $19,720 | $27,214 | $29,580 | $39,440 | $49,300 | $59,160 | $78,880 |
3 | $24,860 | $34,307 | $37,290 | $49,720 | $62,150 | $74,580 | $99,440 |
4 | $30,000 | $41,400 | $45,000 | $60,000 | $75,000 | $90,000 | $120,000 |
5 | $35,140 | $48,494 | $52,710 | $70,280 | $87,850 | $105,420 | $140,560 |
6 | $40,280 | $55,587 | $60,420 | $80,560 | $100,700 | $120,840 | $161,120 |
7 | $45,420 | $62,680 | $68,130 | $90,840 | $113,550 | $136,260 | $181,680 |
8 | $50,560 | $69,773 | $75,840 | $101,120 | $126,400 | $151,680 | $202,240 |
Income (% of FPL) | Maximum repayment for single tax payer | Maximum repayment for other taxpayers |
---|---|---|
Less than 200% | $350 | $700 |
200% to 299% | $900 | $1,800 |
300% - 399% | $1,500 | $3,000 |
400% and above | No limit; repay entire amount of excess tax credit | No limit; repay entire amount of excess tax credit |
Annual | Monthly | Semi-Monthly | Bi-Weekly | Weekly | Hourly |
---|---|---|---|---|---|
$9,000.00 | $750.00 | $375.00 | $346.15 | $173.08 | $4.33 |
$10,000.00 | $833.33 | $416.67 | $384.62 | $192.31 | $4.81 |
$11,000.00 | $916.67 | $458.33 | $423.08 | $211.54 | $5.29 |
$12,000.00 | $1,000.00 | $500.00 | $461.54 | $230.77 | $5.77 |
$13,000.00 | $1,083.33 | $541.67 | $500.00 | $250.00 | $6.25 |
$14,000.00 | $1,166.67 | $583.33 | $538.46 | $269.23 | $6.73 |
$15,000.00 | $1,250.00 | $625.00 | $576.92 | $288.46 | $7.21 |
$16,000.00 | $1,333.33 | $666.67 | $615.38 | $307.69 | $7.69 |
$17,000.00 | $1,416.67 | $708.33 | $653.85 | $326.92 | $8.17 |
$18,000.00 | $1,500.00 | $750.00 | $692.31 | $346.15 | $8.65 |
$19,000.00 | $1,583.33 | $791.67 | $730.77 | $365.38 | $9.13 |
$20,000.00 | $1,666.67 | $833.33 | $769.23 | $384.62 | $9.62 |
$21,000.00 | $1,750.00 | $875.00 | $807.69 | $403.85 | $10.10 |
$22,000.00 | $1,833.33 | $916.67 | $846.15 | $423.08 | $10.58 |
$23,000.00 | $1,916.67 | $958.33 | $884.62 | $442.31 | $11.06 |
$24,000.00 | $2,000.00 | $1,000.00 | $923.08 | $461.54 | $11.54 |
$25,000.00 | $2,083.33 | $1,041.67 | $961.54 | $480.77 | $12.02 |
$26,000.00 | $2,166.67 | $1,083.33 | $1,000.00 | $500.00 | $12.50 |
$27,000.00 | $2,250.00 | $1,125.00 | $1,038.46 | $519.23 | $12.98 |
$28,000.00 | $2,333.33 | $1,166.67 | $1,076.92 | $538.46 | $13.46 |
$29,000.00 | $2,416.67 | $1,208.33 | $1,115.38 | $557.69 | $13.94 |
$30,000.00 | $2,500.00 | $1,250.00 | $1,153.85 | $576.92 | $14.42 |
$31,000.00 | $2,583.33 | $1,291.67 | $1,192.31 | $596.15 | $14.90 |
$32,000.00 | $2,666.67 | $1,333.33 | $1,230.77 | $615.38 | $15.38 |
$33,000.00 | $2,750.00 | $1,375.00 | $1,269.23 | $634.62 | $15.87 |
$34,000.00 | $2,833.33 | $1,416.67 | $1,307.69 | $653.85 | $16.35 |
$35,000.00 | $2,916.67 | $1,458.33 | $1,346.15 | $673.08 | $16.83 |
$36,000.00 | $3,000.00 | $1,500.00 | $1,384.62 | $692.31 | $17.31 |
$37,000.00 | $3,083.33 | $1,541.67 | $1,423.08 | $711.54 | $17.79 |
Need Dental Insurance?
Whether you are looking for a stand alone Dental Plan to go with your Marketplace Health Insurance or your Medicare Plan we have options.
Through Spirit Dental (Ameritas) there options for everyone and every budget offering Guaranteed Acceptance, No Waiting Periods, and Same Day Effective dates as well as offering the choice to use ANY dentist you want.
Click the link to shop options now and enroll!
Need Vision Insurance
Whether you are looking for a stand alone Vision Plan to go with your Marketplace Health Insurance or your Medicare Plan we have options.
Through Spirit Vision (Ameritas) there options for everyone and every budget. Complete with two big networks (VSP and EyeMed) to give you access to the best providers.
Click the link to shop options now and enroll!
Accident Insurance Supplements Your Health Insurance Plan
Accident Insurance Plans help with paying your out of pocket costs associated with the unexpected results of an injury.
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious injury or accident occurs most people are left without being able to work placing a financial hardship on their family. Give your family the peace of mind that an Accident Plan Provides.
This plan is ideal for children involved in athletics, the weekend warrior/adventurer, the laborer who depends on their ability to work with their hands.
Click the link below to get a quote and even enroll today!
Cancer and Critical Insurance Supplements Your Health Insurance Plan
Cancer and Critical Illness (Heart Attack) Insurance Plans help with paying your out of pocket costs associated with the unexpected results of serious illness.
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious illness occurs you are left without being able to work placing a financial hardship on their family in additon to the hospital stays and radiotion/chemotherapy treatments.
Most people believe their health insurance will cover all their costs but the reality is that 62% of bankruptcies in the United States are from medical debt which 75% of those HAD HEALTH INSURANCE! Through a cancer or critical illness plan you help pay for lodging/transportation to facilities that you want and even help with experimental treatments NOT COVERED on traditional health insurance plans.
Give your family the peace of mind that a Cancer or Critical Illness Plan Provides.
Click the link below to get a quote and even enroll today!
Hospital Insurance Supplements Your Health Plan
Hospital Insurance Plans help with paying your out of pocket costs associated with the unexpected results of a sickness or injury. (If you are currently on MEDICARE please call us to discuss a Hospital Plan that works best for your plan)
This provides a CASH benfit paid DIRECTLY to you that you can use to help pay your Co-Pays and Deductibles on your health insurance plans.
Often when a serious injury or accident occurs most people are left without being able to work placing a financial hardship on their family. Give your family the peace of mind that an Hospital Plan Provides.
Click the link below to get a quote and even enroll today!
Download this worksheet to compare two different plans and their out-of-pocket costs.
This is a more robust online calculator to help you compare up to 4 plans.
*This calculator was created by a third-party and may need professional advice to completely understand the results shown and my not be entirely accurate.
Bristol, Tennessee
Available by Appointment 10am-4pm
Medicare Part A provides benefits for SNF if certain requirements are met.
For many years facilities would apply the "Improvement Standard" however in Jimmo v Sebelius that changed. Medicare will cover skilled care provided in a skilled nursing facility, at home, or as outpatient therapy, regardless of whether a patient is likely to improve as long as they continue to meet qualifying criteria.
Medicare's coverage of a skilled nursing facilty stay is limited to a maximum of 100 days per benefit period.
The benefit period can sometimes be referred to as a spell of illness.
There is no limit to the number of benefit periods available to Medicare Beneficiaries. However, once a benefit period ends a beneficiary must have another three-day qualifying inpatient hospital state and meet the other requirements noted earlier before they can get another 100 days of SNF benefits.
If a person is released or no longer needs SNF but then later requires the SNF care again:
Medicare Part A does have a deductible that must be paid for any hospital admission and those rates can change from year to year. You can visit cms.gov to check the current Medicare Part A deductible.
Medicare pays for the first 20 days of skilled nursing facility care, with no deductible or coinsurance. However, the patient is responsible for daily co-payments after the twentieth day. For 2023, the daily SNF co-payment was $200 for days 21 through 100. After 100 days in a benefit period, the beneficiary must pay all costs.
Medicare Supplement plans, Medicare Advantage Plans, or Supplemental Hospitalization plans can help reduce these costs if you have one of those plans for an additional monthly premium.
Medicare will pay for home health care if a person meets certain eligibility criteria and if the services are considered resaonable and necessary for the treatment of the person's illness or injury.
Medicare covers home health care; it does not cover home care when personal care is the only type of care needed.
To receive Medicare-covered home healthcare benefits, a person must be eligible for and enrolled in Part A and/or Part B. The following requirements must also be met:
Home Health Aide Services:
Medical Social Services - Ordered by a doctor to help a person with various social and emotional concerns related to an illness that may interfere with the person's treatment or recovery.
Physical, Speech-Language, and Occupational Therapy - If ordered by a doctor.
Excluded Services:
There is no limit to the length of time that a person can receive home healthcare benefits. Once a person meets the initial qualifying criteria.
Recertification is required at least every 60 days when the patient needs continuing home healthcare.
Begining in 2019, CMS expanded the definitional scope of "supplemental benefits" that Medicare Advantage plans can offer. But all Medicare Advantage plans are not same as they may have different rules, costs, and restrictions on services but required to provide at least the same level of coverage as Original Medicare (Part A & B).
Additional Services that may be included with your Medicare Advantage plan:
Adult Day Care Services - services provided outside the home, such as assistance with activities of daily living and instrumental activities of daily living.
In-Home Support Services - services performed by a personal care attendance to assist disabled ormedically needy individuals with ADL's.
Home- Based Palliative Care - services not covered by Medicare in the home for palliative care ("comfort care") to diminish symptoms of a terminally ill enrollee with life expectancy of more than six months.
Transportation for (nonemergency) Medical Services - transportation to obtain Part A, Part B, Part D, and supplemental benefit items and services. It can not be used for non-medical services such as groceries and errand.
Home Safety Devices and Modification - safety devices to prevent injuries in the home an/or bathroom.
(423) 689-3061
Bristol, Tennessee
Licensed in:
Tennessee, Virginia, North Carolina, South Carolina, Georgia, & FLorida