How Health Insurance Works

Insurance protects you from the unexpected

How Health Insurance Works

I Want to See

Guard Yourself Against the High Cost of Medical Care

Did you know that one day in the hospital could cost you over $4,000?

Going without health insurance is a serious risk, because without it, you’ll have to pay for 100 percent of your health care with your own money. That’s why, no matter where you are in life, you should know the real costs of medical care and how health insurance protects you.

If you’re like most people, you may not have money saved for major unexpected health costs. To get a better idea of how much money we’re talking about, let’s look at the real costs for some common health expenses*:

Primary Doctor's Office Visit
X-Ray (Abdomen)
CT Scan (Abdomen/Pelvis)
MRI (Abdomen) $1,062
Colonoscopy with Biopsy
Child Delivery $11,064
Knee Replacement $33,861

*These costs are based on the highest cost of the procedure in the Chattanooga area.

You can protect yourself from the unexpected, the same way you probably already protect your home and your car. You simply pay a monthly premium and when you need medical care, your insurance helps cover the expenses, lowering your out-of-pocket costs.

But your health plan provides more than just protection against big, unexpected expenses. It also covers costs for routine preventive care, like yearly checkups, that can help you get and stay healthy.

If you’re new to health insurance, it’s not only good to understand why health insurance makes sense; it’s also good to understand how health insurance works.

better TN

Better Tennessee

Better Tennessee celebrates the people and organizations dedicated to improving the health of Tennesseans.

Learn More


Many Tennesseans are already getting assistance. Here's a quick way to find out if you might qualify.

Health Insurance Marketplace Calculator