Tennessee Medicare Plans

If you're a current or soon-to-be beneficiary of Tennessee Medicare plans, you may find a Medicare Supplement or Medicare Advantage plan to be helpful.

Medicare Supplements help cover deductibles, copayments, coinsurance, and other costs that Original Medicare doesn’t pay, potentially saving you thousands of dollars. They also give you the flexibility to see any doctor who accepts Medicare. Medicare Advantage plans provide similar coverage to Original Medicare but include additional benefits, such as prescription drug coverage, and may not require an extra premium.

Tennessee Medicare plans open enrollment

Medicare beneficiaries in Tennessee become eligible for Medicare at age 65. The initial enrollment period starts three months before your birth month and continues for three months after. You can also apply for Medicare Supplements during this time.

While you can enroll in a supplement at any time, the initial enrollment period is the ideal time to do so, as you cannot be denied coverage based on your health.

Medigap Plans

Medicare Supplements in Tennessee help cover some or all of the deductibles and coinsurance that Original Medicare doesn’t pay.

This can save you thousands of dollars, as Medicare only covers about 80% of outpatient costs, and Original Medicare has no limits on out-of-pocket expenses. A supplement can provide a cap on your out-of-pocket spending.

Another benefit is that you aren’t restricted to any networks, allowing you to see any doctor who accepts Medicare.

There are 10 standardized plans, labeled A through N, which means all plans with the same letter offer the same coverage, and the only difference is the price. Be sure to shop around for the best deal, or use our service to save time and money by letting us do the comparison for you!

After 2019, new Medicare enrollees in Tennessee will no longer be able to choose Medigap Plans C or F, but those already enrolled in these plans can keep them.

Since these plans are standardized by the federal government, the only difference will be the price. Make sure you have someone comparing policies to ensure you're getting the best deal.

Medicare Advantage plans

Tennessee offers up to 37 Medicare Advantage plans, depending on your county. Also known as Medicare Part C, Medicare Advantage is a private plan that provides all the benefits of Original Medicare, along with additional perks such as dental, vision, and prescription drug coverage. In Tennessee, the open enrollment period for Medicare Advantage runs from January 1 to March 31. During this time, those already enrolled in Medicare Advantage can switch to a different plan or choose to return to Original Medicare.

Medicare Part D

Original Medicare and Medicare Supplement plans do not include prescription drug coverage, but you can enroll in Medicare Part D for this benefit. In 2019, Tennessee offered 29 Part D plans. If you want to avoid paying out-of-pocket for prescriptions, consider a standalone Part D plan or a Medicare Advantage plan that includes drug coverage.

How we can help

Our licensed Medicare plan specialists are here to assist you at no cost. We are dedicated to helping you find a plan that meets your needs. Since Medicare Supplement plans are required by law to offer standardized coverage, the only difference is the price. We'll compare policies to find you the lowest price.

Take advantage of our free service to ensure you're getting the best value for your healthcare coverage.

SHOP TENNESSEE MEDICARE PLANS

Want more help understanding

TENNESSEE MEDICARE PLANS

We’re here to help you better understand your Medicare benefits, including Medicare supplements, Medicare Advantage plans, and prescription drug coverage. Learning about these options can help you lower your out-of-pocket healthcare costs that Medicare doesn’t cover.

To make things easier, we’ve put together a comprehensive library of resources for you to explore. When you’re ready, give us a call, and one of our licensed agents will discuss your specific needs, compare available plans in your area, and guide you toward the best choice.

If you decide to enroll through us, our support doesn’t stop there. We’ll continue assisting you throughout your Medicare journey—reviewing your plans each year to ensure they remain the best fit and answering any questions you may have along the way.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.

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