A fully-insured health plan is the traditional way to structure an employer-sponsored health plan.  With a fully-insured plan, the company is responsible for paying the premium to the insurance carrier.  In general, premiums are standard for a year and are based on the number of employees enrolled in the plan.  The insurance carrier collects premiums and then pays the claims based on the group's benefits.  The employees and their dependents are required to pay any deductible amounts, copays, or coinsurance required under the benefit policy.  

Athens Insurance has extensive experience in the fully-insured market.  We have many resources and carriers ready to implement for your benefit today.  Contact an agent to discuss your benefits.  

(423) 745-3062



House # & Street
110 W Washington Ave
City, State Zip
Athens, TN 37303
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(423) 745-3062
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(423) 745-8888 (fax)


Monday - Friday
147 N. Market St
Chattanooga, TN 37405
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(423) 475-5861
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(423) 531-8833 (fax)