Helping Businesses
Protecting Families
Davan Enterprises Insurance Agency protects families and businesses in Tennessee, Virginia, North Carolina, South Carolina, Georgia, and Florida. We are guided by the principle that your life deserves protection! We provide insurance services from individual health insurance, Medicare and insurance education, benefits consulting to estate planning, life insurance and funeral planning.
You’ve built your life – now protect it
Small Business
You've built your business, now protect it! Business legal plans help your business in many legal matters. You can run your business with the confidence of a dedicated law firm behind it.
Employee Benefits
Employee benefit design is what we do. We can provide consultative approach to help you attract and retain your most valuable asset while increasing productivity and adding to your bottom line. We work with businesses from 5 employees to over 100!
Individual Protection
We can provide effective insurance solutions to protect your family. From traditional insurance to more unique options.
And More!
In addition to providing unique insurance solutions for individuals and employers we also offer educational forums and workshops on a variety of topics. These include Insurance 101 as well as more personal topics like Estate Planning and Identity Theft and Creating a Life Plan.
Founder / Chief Stewardship Officer
Davan Johnson, CPIA
Davan is the President and Founder of Davan Enterprises. After spending over a decade in a leadership role with Chick-fil-A, first in Marketing then transitioning to Operations and opening several restaurants in multiple states, Davan began working in the Insurance and Risk Management field using his skills to educate clients how to reduce their liabilities and exposures to risk. His mantra is "Helping Businesses, Protecting Families!". His expertise is in the area of Life Insurance, Medicare, Christian Health Sharing Ministry Plans, Pre-Paid Legal Service and Identity Theft Protection plans. He currently holds the "Certified Professional Insurance Agent" designation. Davan has a also studied Group Benefit Plan Design through the Wharton School of Business. He has served on the Board of Directors for several organizations both professional and community including NAIFA (National Association of Insurance and Financial Advisors), Boy Scouts, and Highlands Emmaus Community. Davan was very active in scouting and served as Scoutmaster for a local Troop and has earned the rank of Eagle Scout in his youth. He is also a member of the Professional Insurance agents of Tennessee (PIA-TN). Visit my personal web page to learn more.
Administrative Assistant
Kristi Johnson
Kristi is the beloved wife of Davan Johnson and is a kind and generous person that loves to help others. She is a graduate of UVA-Wise with a bachelor’s degree in Business. Her skills once helped her father run his restaurant franchise and now she offers occasional assistance to her husband, Davan Johnson when needed.
Bristol, Tennessee
Available by Appointment 10am-4pm
Medicare Part A provides benefits for SNF if certain requirements are met.
For many years facilities would apply the "Improvement Standard" however in Jimmo v Sebelius that changed. Medicare will cover skilled care provided in a skilled nursing facility, at home, or as outpatient therapy, regardless of whether a patient is likely to improve as long as they continue to meet qualifying criteria.
Medicare's coverage of a skilled nursing facilty stay is limited to a maximum of 100 days per benefit period.
The benefit period can sometimes be referred to as a spell of illness.
There is no limit to the number of benefit periods available to Medicare Beneficiaries. However, once a benefit period ends a beneficiary must have another three-day qualifying inpatient hospital state and meet the other requirements noted earlier before they can get another 100 days of SNF benefits.
If a person is released or no longer needs SNF but then later requires the SNF care again:
Medicare Part A does have a deductible that must be paid for any hospital admission and those rates can change from year to year. You can visit cms.gov to check the current Medicare Part A deductible.
Medicare pays for the first 20 days of skilled nursing facility care, with no deductible or coinsurance. However, the patient is responsible for daily co-payments after the twentieth day. For 2023, the daily SNF co-payment was $200 for days 21 through 100. After 100 days in a benefit period, the beneficiary must pay all costs.
Medicare Supplement plans, Medicare Advantage Plans, or Supplemental Hospitalization plans can help reduce these costs if you have one of those plans for an additional monthly premium.
Medicare will pay for home health care if a person meets certain eligibility criteria and if the services are considered resaonable and necessary for the treatment of the person's illness or injury.
Medicare covers home health care; it does not cover home care when personal care is the only type of care needed.
To receive Medicare-covered home healthcare benefits, a person must be eligible for and enrolled in Part A and/or Part B. The following requirements must also be met:
Home Health Aide Services:
Medical Social Services - Ordered by a doctor to help a person with various social and emotional concerns related to an illness that may interfere with the person's treatment or recovery.
Physical, Speech-Language, and Occupational Therapy - If ordered by a doctor.
Excluded Services:
There is no limit to the length of time that a person can receive home healthcare benefits. Once a person meets the initial qualifying criteria.
Recertification is required at least every 60 days when the patient needs continuing home healthcare.
Begining in 2019, CMS expanded the definitional scope of "supplemental benefits" that Medicare Advantage plans can offer. But all Medicare Advantage plans are not same as they may have different rules, costs, and restrictions on services but required to provide at least the same level of coverage as Original Medicare (Part A & B).
Additional Services that may be included with your Medicare Advantage plan:
Adult Day Care Services - services provided outside the home, such as assistance with activities of daily living and instrumental activities of daily living.
In-Home Support Services - services performed by a personal care attendance to assist disabled ormedically needy individuals with ADL's.
Home- Based Palliative Care - services not covered by Medicare in the home for palliative care ("comfort care") to diminish symptoms of a terminally ill enrollee with life expectancy of more than six months.
Transportation for (nonemergency) Medical Services - transportation to obtain Part A, Part B, Part D, and supplemental benefit items and services. It can not be used for non-medical services such as groceries and errand.
Home Safety Devices and Modification - safety devices to prevent injuries in the home an/or bathroom.
(423) 689-3061
Bristol, Tennessee
Licensed in:
Tennessee, Virginia, North Carolina, South Carolina, Georgia, & FLorida