Compare the Best Medigap Plans in Tennessee for 2024

If you’re a Tennessee resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Tennessee. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Tennessee that fits both your financial and healthcare needs has never been easier.

This page provides an overview of the leading Tennessee Medicare Supplement plans and insurance companies available in 2024.

Top 3 Best Medigap Plans in Tennessee for Full Coverage Options

Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Tennessee. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.

Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Tennessee.

Medigap Plan F in Tennessee

For those looking for the highest level of coverage, Medigap Plan F is an excellent option. It covers nearly all Medicare-related expenses, including both Part A and Part B deductibles, making it the best Medicare Supplement plan for those wanting maximum protection. Find out more about the differences between Plan F and Plan G and find out if a High-Deductible Plan F is a good fit for you.

Required Benefits of Plan F in Tennessee

Medigap Plan G in Tennessee

Medicare Supplement Plan G offers comprehensive coverage, making it a strong alternative to Plan F. While it doesn’t cover the Medicare Part B deductible, it typically comes with lower premiums, making it a coverage option for many Medicare beneficiaries. Learn more about the benefits and drawbacks of Plan G as well as the High-Deductible Plan option.

Required Benefits of Plan G in Tennessee

Medigap Plan N in Tennessee

Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.

Required Benefits of Plan N in Tennessee

Average Costs for Medigap Plans in Tennessee

Plan premiums in Tennessee can fluctuate depending on several factors, such as the plan you choose, your age, gender, and tobacco usage. Below is a breakdown of the average monthly premiums for the most popular supplemental plans in Tennessee:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

Factors That Impact Medigap Plan Costs in Tennessee

Several factors play a role in determining the cost of Medicare Supplements in Tennessee. These include:

• Age: As you get older, your premiums may rise.
• Gender: Premium rates can vary by gender, with women often paying slightly less.
• Tobacco Use: If you use tobacco, expect to pay higher premiums.
• Location: Your location within Tennessee can also influence your premium, as costs differ by region.

If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.

Compare All Medicare Supplement Plans in Tennessee

If you want to see how all Medicare Supplement Insurance plans sold in Tennessee stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Tennessee and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Tennessee

Enrolling in a Medigap plan in Tennessee requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

If you're ready to get Medicare Supplement coverage, here are the steps to get started:

1. Review Your Options: Take a look at the Medigap plans available in Tennessee and find the one that fits your healthcare needs and budget.
2. Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
3. Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
4. Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.

For more details on Medigap enrollment, visit our Medigap Enrollment Guide.

Common Questions About Medigap Plans in Tennessee

What’s the difference between Medigap and Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.

Is it possible to switch Medigap plans?

Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.

Do Medigap plans cover medications?

No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.

What out-of-pocket expenses should I expect with Medigap?

You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.

Citations & References

• Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
• Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
• How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
• Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023