There are more Medicare options in 2016 than ever before, including Tennessee Medicare Advantage plans. If you choose to enroll, you will be exchanging your Original Medicare benefits for private health insurance that helps you reduce your out-of-pocket expenses.
Some rural areas don't offer plans, while others offer only a few. Medicare Advantage options are typically HMO or PPO plans that use hospital and doctor networks to provide care.
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How-To Enroll in Medicare Advantage
Most people living in Tennessee, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
You can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
There's also an Individual Election Period (IEP) that you can use once. Your IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
You can get enrolled three ways:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent insurance agent. This is the best way to go if you need someone to help advise you.
Medigap vs. Medicare Advantage, Which is Better?
Medicare Advantage is one way to get full coverage healthcare. You also have the option to hold on to your Original Medicare PFFS benefits and upgrade your coverage with Tennessee Medicare Supplement Insurance and a Tennessee Medicare Part D Plan (for help with your prescription drugs).
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Tennessee Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2016 Private Health Insurance Data
The private health insurance data we publish is received from public data files provided by the U.S. federal government. We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details. Only a licensed health insurance agent can give you a binding quote.
For more information about the Medicare program, visit http://cms.gov. This page is maintained by David Bynon and was last updated on .