Coverage line

A stethoscope crosses the distance between a grainy clinician’s hand and an empty remote-care screen.Illustration for The General Average

What Telehealth Insurance Requirements Apply in Tennessee?

Tennessee requires telehealth providers to be licensed or authorized in Tennessee and to meet the applicable in-person standard of care. Tennessee-regulated insurers must cover telehealth services on the same basis as comparable in-person care, subject to the statute’s plan and provider conditions.

What Is Telehealth Insurance?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What Should You Watch for With Telehealth Insurance in Tennessee?

Tennessee Patient Location Determines the Rules
Tennessee-regulated insurers must cover telehealth services on the same basis as comparable in-person care, subject to the statute’s plan and provider conditions. Record where the patient is at each encounter and ask whether the policy covers services delivered under that state-specific rule. ²
Keep Telehealth Within Tennessee Practice Rules
Tennessee requires telehealth providers to be licensed or authorized in Tennessee and to meet the applicable in-person standard of care. Ask the broker to confirm the professional-liability policy covers the modalities and services your clinicians use in {n}. ¹
Confirm Tennessee Plan Payment Conditions
Tennessee requires telehealth providers to be licensed or authorized in Tennessee and to meet the applicable in-person standard of care. Verify network, authorization, and covered-service conditions before relying on payment for remote encounters. ^1,²

Which Telehealth Insurance Providers Have Tennessee License Records?

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Tennessee?

Tennessee Department of Commerce and Insurance

TDCI regulates and licenses insurance companies, agents, brokers, surplus-lines agents, and public adjusters. Its complaint process accepts complaints about agents or companies when the policy was written in Tennessee, and its property/casualty unit reviews filed policy rates, rules, and forms. ^3,^4,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint

Surplus-Lines Tax and Stamping Office in Tennessee

Reported tax rate. 5% of gross premium plus 0.175% SLAS transaction fee ^6,⁷

For Tennessee-home-state surplus-lines policies, TDCI lists a 5% tax on gross premium and a 0.175% SLAS transaction fee on gross premium; the agent receives an invoice and pays both through SLIP. The sources reviewed do not establish that the fee is always separately charged to the policyholder or resolve guaranty-association treatment, so ask your broker to itemize charges and review the policy notice.

What Should You Ask Before Buying Telehealth Insurance in Tennessee?

Does our professional-liability policy cover the telehealth modalities we use with patients in Tennessee?
How should we document Tennessee patient location, consent, and required in-person follow-up?
Which Tennessee plan rules or network terms affect reimbursement for these services?

Telehealth Insurance in Tennessee: Frequently Asked Questions

Do clinicians need authorization to provide telehealth to patients in Tennessee?

Yes. Tennessee-regulated insurers must cover telehealth services on the same basis as comparable in-person care, subject to the statute’s plan and provider conditions. ²

Does Tennessee require health plans to cover telehealth?

Usually, when the service is otherwise covered and meets the state’s applicable clinical and plan conditions. Tennessee requires telehealth providers to be licensed or authorized in Tennessee and to meet the applicable in-person standard of care. ¹

Sources

14 documents, numbered as cited. Open the sources

Sources for Telehealth Insurance in Tennessee

1
Tennessee Public Chapter 586 (2020). Tennessee Public Chapter 586 (2020); § 1, codified at Tenn. Code Ann. § 63-1-155: telehealth provider requirements. Accessed 2026-09-29.
2
Tennessee Board of Medical Examiners, Telemedicine FAQs. Tennessee Board of Medical Examiners; Question 1: patient location determines state medical licensing. Accessed 2026-09-29.
3
tennessee insurance regulator. State insurance regulator; TDCI official insurance-division and consumer pages describe department scope, review units and complaint role. Accessed 2026-09-28.
4
TDCI Agent/Producer Resources. State insurance regulator; Agent Licensing Section licenses producers, business entities, surplus-lines agents, brokers, and public adjusters; page links to Verify License. Accessed 2026-09-28.
5
File an Insurance Complaint. State insurance regulator; TDCI accepts online complaints about insurers and agents only for policies written in Tennessee; third-party claimants are directed to call. Accessed 2026-09-28.
6
Surplus Lines Filing Procedures. Tennessee Department of Commerce and Insurance; Tax Payments section: 5% gross premium plus .175% of gross premium SLAS transaction fee; agents receive quarterly invoices and pay via ACH in SLIP. Accessed 2026-09-28.
7
Tennessee Public Chapter 446 (2011), T.C.A. §56-14-113. Tennessee Secretary of State; Current tax framework enacted in §56-14-113: 5% applies when Tennessee is the insured’s home state; tax collected from insured in addition to premium. Read with current TDCI filing-procedure page for current fee and SLIP handling. Accessed 2026-09-28.
8
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
9
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
10
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
11
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
12
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
13
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
14
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Telehealth Insurance Requirements Apply in Tennessee?

What Is Telehealth Insurance?

What Should You Watch for With Telehealth Insurance in Tennessee?

Tennessee Patient Location Determines the Rules

Keep Telehealth Within Tennessee Practice Rules

Confirm Tennessee Plan Payment Conditions