That is the only plan Time has that is worth selling. Only question is, is it competitive in your area. Some places it is, some not.
That is correct.
The traditional plan is straight indemnity. No networks. Pays R&C. Providers are not limited on balance billing.
For zip 37203 you have a choice of PHCS or THC for networks (if you opt for the PPO One Deductible plan.
I have never understood why anyone would want a traditional plan. They pay more in premium. They pay more when they use the services. There are virtually no caps on their out of pocket.
You can probably find other carriers that offer non-network plans as well.