Student Health Insurance

Northeast State encourages every student to have health insurance. The Tennessee Board of Regents (TBR) provides the following options.

Domestic Students

There is not a TBR-sponsored plan for domestic students this academic year due to market constraints. Instead, a website has been established where students can compare various healthcare exchange and marketplace options. The exchange will also tell students if they qualify for free or low-cost coverage available through Medicaid or the Children’s Health Insurance Program (CHIP). Additional information about the exchange is available here.

An exchange, as created under the Affordable Care Act (ACA), is a place where consumers can purchase subsidized health insurance coverage.

Exchanges are online marketplaces and interactive websites where shoppers can research all of their options, compare offerings, and buy health insurance.


The Affordable Care Act (ACA) no longer allows insurers to deny coverage or charge people more based on their health status or pre-existing conditions. Today, people without or who have been unable to buy coverage in the past can now shop for health insurance.

The ACA provides tax credits and subsidies for qualified individuals to help make insurance more affordable. Individuals shop on an exchange.

As you shop the exchange, you will make decisions based a few criteria:

  1. Select the health insurance company and network of doctors. Every state has many health insurance options.
  2. Select a level of coverage. Each plan has four levels of coverage called "metal" plans: Platinum, Gold, Silver, and Bronze. Each plan is based on a percentage of coverage amounts.
  3. Select a premium you can afford. You may qualify for a federal subsidy.

All plans on an exchange have to offer some core benefits – called essential health benefits – like preventative and wellness services, prescription drugs, and coverage for hospital stays.


You can call 1.800.647.4104 or go online at www.TBRStudentHealthInsuranceExchange.com.


The Open Enrollment period for 2019 is November 1, 2018, to December 15, 2018. Deadlines are:

  • November 1, 2018: Open Enrollment begins. Apply for or change your coverage.
  • December 15, 2018: Deadline in order to have coverage that begins on January 1, 2019.
  • December 31, 2018: Coverage ends for 2018 plans. You will be auto-renewed if you don’t change your plan.
  • January 1, 2019: Plans sold during Open Enrollment start.

If you miss the December 15, 2018, deadline, you cannot enroll until the marketplace reopens in November 2019 unless you qualify for a Special Enrollment Period due to a "life event” such as having a baby or losing your job-based coverage.


If you have questions about the Affordable Care Act and the Health Insurance Marketplace, visit HealthCare.gov or call the Marketplace Call Center toll-free at 1.800.318.2596. TTY users should call 1.855.889.4325. Tell the customer service representative if you need help in a language other than English. You can also visit Localhelp.HealthCare.gov to find help in your area.



International Students

The international student insurance provider is International Student Protection (ISP). The Tennessee Board of Regents (TBR) has partnered with ISP to provide the medical insurance plan for international students attending the colleges within the TBR system. When enrolling for coverage, you will be able to purchase for the time period required by your institution.

Enrollments can be processed via www.coverage2u.com.

  1. Students should select their school from the drop down menu and proceed to online enrollment.
  2. Once on their school’s page, they should click the Enroll button under Helpful Quick Links.
  3. The enrollment process is a simple application and students will be able to download their insurance ID card instantly upon enrollment. This can be accessed at any time once the student is enrolled by creating an online account.
  4. Using www.coverage2u.com, the enrolled student should use the Menu at the top right of the page to access the Member Portal after enrolling. This is where the enrolled student can create their account to access their ID card, update their contact info, and manage their claims.

Open enrollment for each term will run for 30 days beyond the effective date of coverage for that period. Any individual enrolling during the Fall open enrollment period will have an August 1, 2018 effective date of coverage as long as they enroll during the open enrollment period.


  • Annual/Fall Dependent Enrollment Deadline: 8/30/18
  • Spring Dependent Enrollment Deadline: 1/31/19*
  • Summer Dependent Enrollment Deadline: 6/30/19*

*Spring and Summer enrollment periods are open to new incoming students and renewing students only. Students who were enrolled at a TBR school for Fall semester but were not covered under this plan are not eligible to enroll for Spring or Summer coverage. 



For any questions, please contact ISP directly at 1.877.738.5787 or info@intlstudentprotection.com. If you have questions about medical benefits or claims, please call Relation Insurance Services at 1.888.388.0931.

For more information on Northeast State admission requirements for international students, contact Dawn Carter at 423.354.2530.