Which Tennessee Medicare Supplement is Best for Me?
When talking about traditional Medicare and additional coverage with Medicare supplement plans, Tennessee seniors agree, its the best coverage you can get. It all comes down to choice and control. But, which plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G, and N. Read on to learn why.
Top 10 Medicare Supplement Plans in Tennessee
Looking for the best Plan F, G or N available to Tennessee seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Tennessee Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in Tennessee. Here are the 10 best Plan F policies available in Tennessee based on our reviews (click for details):
Tennessee Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among Tennessee seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Tennessee based on our reviews (click for details):
Tennessee Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Tennessee seniors. Here are the 10 best Medigap Plan N policies available in Tennessee based on our reviews (click for details):
Best Tennessee Medicare Supplement Plans Reviews
We review all major Medicare Supplement insurance carriers servicing Medigap policies in Tennessee. Our reviews are unbiased. We use a balanced formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Our current formula does not take rate increase history into account.
Our review of Medicare Supplement Plans in Tennessee is based on a statewide analysis, not nationwide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.
How Much do Medicare Supplement Plans Cost in Tennessee?
We show estimated monthly premiums for all Medicare Supplement Plans in Tennessee. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in Tennessee are Standardized
All Medicare Supplement insurance carriers in Tennessee are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although Tennessee state laws might affect which ones they can offer. Carriers offering Medicare Plans:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Tennessee Department of Insurance website at http://www.state.tn.us/commerce/.
Tennessee Med Supp Plan Comparison Chart
The following table shows, at-a-glance, the coverage you get with each of the standardized Medicare plans.
|Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Medicare Part B Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes**|
|Blood (First 3 Pints)||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Part A Hospice Care Coinsurance or Copayment||Yes||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||Yes||50%||75%||Yes||Yes|
|Medicare Part A Deductible||No||Yes||Yes||Yes||Yes||Yes||50%||75%||50%||Yes|
|Medicare Part B Deductible||No||No||Yes||No||Yes||No||No||No||No||No|
|Medicare Part B Excess Charges||No||No||No||No||Yes||Yes||No||No||No||No|
|Foreign Travel Emergency (Up to Plan Limits)||No||No||Yes||Yes||Yes||Yes||No||No||Yes||Yes|
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Common Questions About Medigap Plans in Tennessee
Here are some common questions we answer about Medicare Supplement plans in Tennessee.
It all depends. Your age, gender, zip code, use of tobacco, and the exact plan you choose all need to be factored in. You can take advantage of our free quote service to find the lowest prices in your area.
Here's a list of top carriers by cost in Tennessee:
- American National
- Reserve National
Unlike Medicare Advantage, there isn't an annual open enrollment period for Medicare Supplement plans. But, in many areas, you only have one chance to apply for a Tennessee Medigap plan without having to answer any health questions. You can learn more here.
Still have questions about Medicare Supplement Insurance in Tennessee?
Try one of these topics:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Tennessee SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-877-801-0044; TTY 1-800-848-0299
Additional Foot Notes
 Sample premium is for a 65 year old, non smoking, woman living in Tennessee. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
 Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.