About Us

About The Douthats

Always By Your Side

David and Margaret Douthat have over 26 years of insurance experience. We are honored to have served over 3,500 clients for their medicare and personal Health Insurance needs. We serve clients throughout the states of Tennessee, Virginia, and North Carolina.

We offer our new clients the opportunity to learn, explore and enroll without feeling any pressure to act. We not only want to be Your agent but Your friend. Serving you from the moment we meet. We are here to do the tough work of sorting out confusing terms, enrollment processes and the complicated billing issues. We are eager to meet you and start this journey.

We live in the Kingsport community that we love and enjoy serving our local residents but also those living in our surrounding are, throughout our state and those in our neighboring states. We are involved with and support many of our local community resource programs.

Meet Our Team

Douthat Insurance Team

Margaret Douthat

Owner | Agent

David Douthat

Owner | Agent

Kim Denton

Office Assistant

Melissa Dixon

Marketing Representative
View Our Plans

Our Insurance Services

Medicare

We can offer most any Medicare option on the market. We tailor your needs to match the plan suited best for you.

Learn more about each of our plans by clicking the + sign below:

The Medicare Supplemental plan will pay once Medicare has paid their portion. The rates will increase each year. Networks are not an issue for Medicare Supplemental, but you must make sure your provider accepts Medicare. Medicare Supplements do not cover prescriptions, dental, routine eye care, or other benefits that the Advantage plan offers.
Medicare Advantage Plans offer an all-in-one coverage, including medical, hospital, prescription, dental, vision and sometimes more.They do, however, require you to stay in-network unless there is an emergency. All Advantage plans must provide equal coverage to Medicare but can be added upon. You will pay a lower monthly cost when receiving treatment with a cap on how much you will pay for care in one year.
There are two ways to get drug coverage:
  • Medicare Prescription Drug Plan (Part D). Medicare Part D has specific guidelines that are determined by Medicare. Every company must operate within these guidelines. Part D causes the most confusion to consumers and also is the biggest cost. The fluctuation in cost will be seen in monthly price, deductible application, co-pay amounts, medications covered, and pharmacy utilized.
  • Medicare Advantage Plan (Part C). Like an HMO, PPO, or other Medicare health plan that offers Medicare prescription drug coverage. You get all of your Medicare Part A (Hospital Insurance)and Medicare Part B (Medical Insurance) coverage, and prescription drug coverage (Part D), through these plans. Medicare Advantage Plans with prescription drug coverage are sometimes called “MA-PDs.” You must have Part A and Part B to join a Medicare Advantage Plan.

Call us at 423-765-9084 for more detailed information on these Medicare plans

Call us at 423-765-9084 for more detailed information on these Medicare plans

Affordable Care Act Plans

The Affordable Health Care Act’s goal is to make affordable health insurance available to more people.

We will help you price and choose the best healthcare plan that works for your needs and budget.

Call us at 423-765-9084 for more detailed information on our Affordable Care Act plans.

The Affordable Health Care Act’s goal is to make affordable health insurance available to more people.

We will help you price and choose the best healthcare plan that works for your needs and budget.

Call us at 423-765-9084 for more detailed information on our Affordable Care Act plans.

Dental Care Plans

There are a variety of dental insurance plans that cover everything from regular cleanings to major oral surgery.

We can help you find the best insurance policy that covers your individual dental needs.

Call us at 423-765-9084 for more detailed information on our dental plans.

There are a variety of dental insurance plans that cover everything from regular cleanings to major oral surgery. We can help you find the best insurance policy that covers your individual dental needs. Call us at 423-765-9084 for more detailed information on our dental plans.

Short Term Health Coverage

Meeting each member wherever they are in their health care journey — helping guide them to quality care, manage costs and deliver a whole-person approach to health.

Plans for one month up to 36 months.

Call us at 423-765-9084 for more detailed information on our Short Term Health Coverage​.

Meeting each member wherever they are in their health care journey — helping guide them to quality care, manage costs and deliver a whole-person approach to health.

Plans for one month up to 36 months.

Call us at 423-765-9084 for more detailed information on our Affordable Care Act plans.

Cancer and Hospital Indemnity Plans

Protection yourself and love ones from the financial strand of a Cancer Diagnosis or a hospital stay.

Call us at 423-765-9084 for more detailed information on our Cancer and Hospital Indemnity Plans.

Protection yourself and love ones from the financial strand of a Cancer Diagnosis or a hospital stay.

Call us at 423-765-9084 for more detailed information on our Cancer and Hospital Indemnity Plans.

Always By Your Side

We strive hard to serve each client assessing the individual needs, network, comfort.
Schedule a free, personal consultation to discuss your specific health insurance needs.