Skilled nursing and residential care facilities in Tennessee
PlanOptica tracks 47 health and welfare plans sponsored by 39 skilled nursing and residential care facilities in Tennessee, covering 98,153 participants and $122M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 262 participants, and the most common size is 100 to 249 participants (38% of plans). The funding mix is split: 43% of plans are self-funded or mixed and the rest are mainly fully insured.
Bluecross Blueshield of Tennessee, Inc leads by premium with a 27% share, followed by Cigna Health and Life Insurance Company at 11%. Gallagher Benefit Services, Inc is the broker of record on 6 plans, more than any other firm, ahead of Pancoast & Associates, Inc (5). 89% of plans report broker compensation on Schedule A; the median brokered plan pays $93K a year, about 7.9% of premium. Brentwood, Chattanooga and Franklin have the most plans.
Funding mix
- Fully insured27 · 57%
- Mixed15 · 32%
- Self-funded5 · 11%
Plan size (participants)
- Under 1005 · 11%
- 100 to 24918 · 38%
- 250 to 49910 · 21%
- 500 to 9993 · 6%
- 1,000 or more11 · 23%
Median plan: 262 participants. Median broker comp: 7.9% of premium across 42 brokered plans.
Top carriers, skilled nursing, Tennessee
- 1Bluecross Blueshield of Tennessee, Inc$32M18 plans · 26.5%
- 2Cigna Health and Life Insurance Company$13M7 plans · 10.7%
- 3Metropolitan Life Insurance Company$12M2 plans · 9.9%
- 4Delta Dental of Tennessee$9.7M7 plans · 7.9%
- 5Dearborn Life Insurance Company$8.7M2 plans · 7.1%
- 6Hartford Life and Accident$7.3M5 plans · 6.0%
- 7Life Insurance Company of North America$6.6M5 plans · 5.4%
- 8Guardian$5.9M10 plans · 4.8%
- 9Upmc Health Options$5.5M1 plans · 4.5%
- 10Unitedhealthcare Insurance Company$4.2M4 plans · 3.4%
Top brokers, skilled nursing, Tennessee
- 1Gallagher Benefit Services, Inc6 plans$612K comp · 14.3%
- 2Pancoast & Associates, Inc5 plans$828K comp · 11.9%
- 3Marsh & McLennan5 plans$716K comp · 11.9%
- 4Propel Insurance Agency, LLC5 plans$345K comp · 11.9%
- 5Alera Group, Inc4 plans$112K comp · 9.5%
- 6The Cason Group Inc4 plans$28K comp · 9.5%
- 7Jennifer Kinley-Lawrence3 plans$243K comp · 7.1%
- 8Hub International Midwest Limited3 plans$131K comp · 7.1%
- 9McGriff Insurance Services, Inc3 plans$106K comp · 7.1%
- 10Forester Benefits Management, LLC3 plans$48K comp · 7.1%
Largest skilled nursing and residential care facilities in Tennessee
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Brookdale Senior Living Inc Brookdale Senior Living, Inc. Welfare PlanAll plans | Brentwood | Fully insured | 36,348 | $16M | Metropolitan Life Insurance Company |
| Life Care Centers of America, Inc Life Care Centers of America, Inc. Welfare Benefits PlanAll plans | Cleveland | Fully insured | 22,086 | $21M | Hartford Life and Accident |
| National Health Corporation NHC Welfare Benefit PlanAll plans | Murfreesboro | Mixed | 11,522 | $8.8M | Dearborn Life Insurance Company |
| Compassus Intermediate, Inc FC Compassus Welfare Benefit PlanAll plans | Brentwood | Mixed | 4,667 | $9.6M | Delta Dental of California |
| Summit Behavioral Healthcare, LLC Summit Behavioral Healthcare Health and Welfare Benefit PlanAll plans | Franklin | Mixed | 3,428 | $3.7M | Life Insurance Company of North America |
| Diversicare Healthcare Services LLC Diversicare Group Benefit PlanAll plans | Brentwood | Mixed | 2,256 | $2.1M | The Lincoln National Life Insurance Company |
| VSL Employee Co, LLC Vitality Senior Living Health PlanAll plans | Brentwood | Fully insured | 1,425 | $4.9M | Blue Cross of California |
| Health Services Management of Tennessee, LLC Health Services Management Health and Welfare PlanAll plans | Murfreesboro | Fully insured | 1,270 | $5.8M | Blue Cross of California |
| Odyssey Behavioral Healthcare, LLC Odyssey Behavioral Healthcare Welfare Benefit PlanAll plans | Franklin | Fully insured | 1,052 | $7.7M | Cigna Health and Life Insurance Company |
| Plainview Healthcare Partners LP Plainview Healthcare Partners LPAll plans | Milan | Mixed | 1,042 | $346K | The Guardian Life Insurance Company of America |
| Oakdale Seniors Alliance, LLC Oakdale Seniors Alliance, LLC Health and Welfare Benefits PlanAll plans | Chattanooga | Fully insured | 971 | $6.0M | Upmc Health Options |
| American Health Companies, Inc Ahc Welfare Benefits PlanAll plans | Franklin | Mixed | 796 | $770K | Hartford Life and Accident |
| Dominion Development Group, LLC Dominion Development Group, LLC Welfare Benefit PlanAll plans | Knoxville | Fully insured | 546 | $3.4M | Blue Cross of California |
| Open Arms Care Corporation Open Arms Care Corporation Health and Welfare PlanAll plans | Brentwood | Fully insured | 396 | $4.6M | Blue Cross of California |
| Hutsonwood, Inc Hutsonwood, Inc. Welfare Benefits PlanAll plans | Brentwood | Fully insured | 387 | $1.4M | Blue Cross of California |
Showing 15 of 39 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Tennessee
- Brentwood12 plans · 50,858 participants
- Chattanooga7 plans · 1,541 participants
- Franklin5 plans · 6,077 participants
- Murfreesboro3 plans · 12,935 participants
- Bartlett3 plans · 363 participants
- Knoxville2 plans · 839 participants
- Nashville2 plans · 616 participants
- Cleveland1 plans · 22,086 participants
- Milan1 plans · 1,042 participants
- Memphis1 plans · 364 participants
- Johnson City1 plans · 288 participants
- Antioch1 plans · 193 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Tennessee offer an ERISA health plan?
47 health and welfare plans from 39 skilled nursing and residential care facilities in Tennessee appear in plan year 2024 to 2025 filings on Form 5500, covering 98,153 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most skilled nursing and residential care facilities in Tennessee?
By Schedule A premium: Bluecross Blueshield of Tennessee, Inc (27% of premium, 18 plans), Cigna Health and Life Insurance Company (11% of premium, 7 plans) and Metropolitan Life Insurance Company (10% of premium, 2 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Tennessee?
By number of client plans: Gallagher Benefit Services, Inc (6 plans), Pancoast & Associates, Inc (5 plans) and Marsh & McLennan (5 plans). 89% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Tennessee?
The median brokered plan reports $93K a year in broker commissions and fees, or 7.9% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Tennessee self-funded or fully insured?
Fully insured 57%, mixed 32% and self-funded 11%. Self-funded and mixed plans together make up 43%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in Tennessee
Open the welfare search with Tennessee and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing in nearby states
Other healthcare specialties in Tennessee
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Tennessee.