Tennessee has been under a State of Emergency to prevent the spread of the coronavirus (COVID-19) since March 12, 2020. The Tennessee Department of Commerce and Insurance issued Bulletin No. 20-03 on March 24, 2020, which includes the following guidance:
Carriers writing insurance coverage in Tennessee are requested to:
- Provide employers and individuals with as much flexibility as practicable during the period of the COVID-19 public health crisis.
- Work with policyholders who have concerns about their ability to timely pay premium to ensure that they can maintain their existing insurance coverage.
- Upon request or upon calls about coverage, explain options to maintain continuous coverage to consumers affected by COVID19.
- Explain existing applicable grace periods that may allow policyholders to delay premium payments without losing coverage. Explore ways to eliminate late fees, non-sufficient funds fees, and installment fees.
- Work with employers or individuals to find the best ways to address concerns with the timing of premium payments in order to delay any cancellation of coverage for non-payment and collection activity.
- Explore ways to streamline administrative processes and paperwork to facilitate continuous coverage and ease burdens on policyholders.
The entire Tennessee Bulletin 20-03 may be found here.