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Medicare Supplement Plans in Tennessee

Summary: If you’re looking to cut healthcare costs, a Medicare Supplement plan in Tennessee may be the right option for you. Also known as Medigap plans in Tennessee, these plans cover the costs your Original Medicare benefits leave behind. Explore your options and cut healthcare costs with affordable, meaningful coverage. Estimated Read Time: 17 min

Table of Contents:

  1. Best Medicare Supplement Plans in Tennessee
  2. Who is Eligible for Medigap Plans in Tennessee?
  3. How Much Do Medicare Supplement Plans in Tennessee Cost?
  4. Companies Offering Medicare Supplement Plans in Tennessee
  5. Medigap Plans in Tennessee for the Disabled Under 65
  6. Medicare Supplement Rating Methods In Tennessee
  7. Medigap Guaranteed Issue Protections in Tennessee
  8. When to Enroll in Medigap Plans in Tennessee
  9. The Tennessee Plan
  10. Does Tennessee Allow Medicare Part B Excess Charges?
  11. Additional Medicare Coverage Options in Tennessee

Medicare Supplement plans in Tennessee help you cover out-of-pocket costs left behind by Medicare Part A and Part B (Original Medicare). Your Medicare Supplement coverage in Tennessee is the same as in most other states, as the federal government standardizes the benefits. But each lettered plan will have its own benefits as part of its package.

Original Medicare benefits come from the federal government’s program. Yet, it’s private insurance companies that provide Supplemental coverage, as Medicare Parts A and B won’t cover everything you’ll need to cover when receiving healthcare services.

Also known as Medigap plans in Tennessee, Medicare Supplement plans can have different prices depending on the company you enroll in. There are several factors that can go into your premium, but it’s important to compare your healthcare needs and carrier options to choose the right benefits at the lowest price.

Learn more below about your options for Tennessee Medicare Supplement plans, how this coverage can help you avoid out-of-pocket expenses, the average costs you can expect to pay, and how to find the right plan for your healthcare and budget.

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Best Medicare Supplement Plans in Tennessee

The best Medicare Supplement plans in Tennessee are going to vary from person to person because everyone has different needs. Enrolling in a Medicare Supplement in Tennessee is helpful for beneficiaries. Still, because there are different plans and carriers available, finding the right one for you will mean there isn’t a consensus as to which plan is the “best.”

But trends do emerge if you look at Medicare Supplement plans in Tennessee. Therefore, while the best Medigap plans in Tennessee may differ because they are standardized, some plans are more popular than others.

The standardization of Medicare Supplement plans in Tennessee means that Medicare Supplement plans have the same benefits in each lettered plan regardless of location or company. For example, if you have Medicare Supplement Plan F with one carrier, you’ll have the same coverage as you would with any other insurance company.

In the Volunteer State, the most popular plan selections include Medicare Supplement Plan N, Plan G, and Plan F. As there are enrollment restrictions, possible budgetary expenses to consider, and different healthcare needs in individuals, it’s important to consider all of your options. Below, we’ll break down the three most popular Medicare Supplement plans in Tennessee.

Medicare Supplement Plan F in Tennessee

Medicare Supplement Plan F in Tennessee remains one of the most popular options in the state because of its comprehensive coverage. When you enroll in Medigap Plan F in Tennessee, you’re receiving the largest coverage option available.

This means that your out-of-pocket expenses are covered when receiving healthcare services. Residents that are enrolled won’t have to pay deductibles, coinsurance, or copayments for Medicare Part A and Part B, Medicare Part B excess charges, or coinsurance for skilled nursing facilities. You’ll even enjoy a benefit for foreign travel emergency expenses, though limits apply.

But the most comprehensive Medicare Supplement in TN does come with an important caveat. It’s not available to everyone. If you were eligible for Medicare benefits before January 1, 2020, you can enroll in Medicare Supplement Plan F in Tennessee. Otherwise, you’ll need to find another form of coverage as new Medicare enrollees are no longer eligible for Medigap Plan F in Tennessee.

Medicare Supplement Plan G in Tennessee

Medicare Supplement Plan G in Tennessee continues to grow in popularity because, in part, Plan F is no longer available to newly eligible beneficiaries. This has caused many residents to seek alternative options when searching for comprehensive benefits.

While you won’t receive the exact same level of coverage, Medigap Plan G in Tennessee is quite comparable. You’ll have to be responsible for your Medicare Part B annual deductible, but other than that, you’ll receive the same level of benefits as you would with Medigap Plan F.

Despite the requirement of paying the Medicare Part B deductible, many realize that Medicare Supplement Plan G is the more cost-effective option. However, because of the plan’s sizable benefits, it may not always be the most budget-friendly approach. Fortunately, there are other options that can also help you cover healthcare expenses while keeping monthly premium costs down.

Medicare Supplement Plan N in Tennessee

As higher levels of benefits correlate to higher premiums, for many, Medicare Supplement Plan N in Tennessee is the right option for their healthcare needs because while you don’t receive as many benefits, you are still covered for many healthcare expenses at a generally lower monthly cost.

In addition to your Medicare Part B deductible, you are also responsible for small copayments when you receive care from a doctor or the emergency room and Part B excess charges when applicable.

Depending on your budget and healthcare needs, one of these top three Tennessee Medigap plans should benefit you. Compare coverage such as Medigap Plan N in Tennessee with other lettered plans to pinpoint which benefits best suit your needs.

Who Is Eligible for Medigap Plans in Tennessee?

If you qualify for Medicare Part A and Part B coverage, you are eligible for Medigap plans in Tennessee. Because Medicare Supplement plans in Tennessee are Supplemental coverage, you’ll need Original Medicare to cover your healthcare services before your Medigap policy covers the extra expenses that you may incur.

How Much Do Medicare Supplement Plans in Tennessee Cost?

The cost of Medicare Supplement coverage in Tennessee varies for each person, and prices change between locations as well as among carriers. So, someone in Nashville will likely pay a different premium price for the same Medicare Supplement plan in Tennessee as someone else in Memphis.

Many factors can impact the cost of Medigap plans in Tennesee, including the rating method used by an insurance company, your age, gender, tobacco usage, and when you enroll. Additionally, it’s important to remember that excess charges, although rare, may also arise, and depending on your coverage, you may face such expenses when receiving healthcare.

Below is a sample premium chart for a prominent Tennessee ZIP Code located in Knoxville. For our purposes, we’ve taken a look at both male and female beneficiaries at the ages of 65 and 75. None of them are users of tobacco products:

Keep in mind that these are averages and that your premiums may vary.

Female, No Tobacco, Tennessee ZIP Code 37997
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $113-$412* $145-$412
Medicare Supplement Plan G $97-$380 $116-$380
Medicare Supplement Plan N $73-$364 $89-$364
Male, No Tobacco, Tennessee ZIP Code 37997
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $128-$464* $164-$464
Medicare Supplement Plan G $107-$429 $133-$429
Medicare Supplement Plan N $81-$412 $101-$412

* If on Medicare before 1/1/20

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Companies Offering Medicare Supplement Plans in Tennessee

If you live in the Volunteer State, there are several reputable companies offering Medicare Supplement plans in Tennessee. For those in need of a Medicare Supplement in Tennessee, it’s important to review your options as your costs will vary from company to company.

Comparing companies is important when looking at premiums for your Medicare Supplement plans in Tennessee, but there is more to a carrier than their monthly cost. Credit agencies, such as S&P or A.M. Best, are in place to independently review the financial health of carriers. In contrast, consumer agencies, such as the Better Business Bureau (BBB), review the customer experience.

If customer service is important to you, your premium may not be the only deciding factor in play when choosing your premium. On the other hand, you’ll also want to view the financial status of your company to be sure that when you enroll with a carrier, they are capable of fulfilling their financial obligations quickly and in full.

Compare Tennessee Medicare Supplement Carriers
Carrier BBB Rating S&P Rating A.M. Best Rating
United American A+ AA- A
Blue Cross Blue Shield F A- A
Cigna No Rating A- A
Mutual of Omaha A+ A+ A+
UnitedHealthCare A+ A+ A-

Here at MedicareFAQ, our team only uses top-rated insurance companies for Medigap plans in Tennessee. Additionally, our customer care team is here for you long after you’ve enrolled to ensure that your customer service is top-notch, no matter what your needs may be.

Medigap Plans in Tennessee for the Disabled Under 65

There is a mandate for insurance companies offering Medicare Supplement plans in Tennessee to provide at least one plan for people on Medicare due to disability under 65. It is up to each state to decide whether to include this requirement, and fortunately, the Volunteer State has decided to do so.

However, the premiums for individuals under 65 are extremely high, and the availability of coverage options is often limited. For example, you may not have the option for Medicare Supplement Plan G in Tennessee if you are disabled under the age of 65, but you may be provided coverage through Plan A instead.

Those under 65 on Medicare because of disability may find Medicare Advantage (Part C) a more suitable option until they age into Medicare.

Medicare Supplement Rating Methods in Tennessee

In each state, there are different Medicare Supplement rating methods available for companies to use for basing premiums. These rating methods will deal with the age at which beneficiaries enroll and how it affects their premiums both at the time of enrollment and into the future.

For Tennessee, all three Medigap rating methods are available for use. This includes community-rated (no-age-rated), issue-age-rated (entry-age-rated), and attained age-rated pricing methods. Here is how each rating method works:

  • Community-rated plans will determine your premium by the fact that you enrolled at all, not your age. Everyone gets the same price at enrollment.
  • Issue-age-rated plans calculate your premium based on the age you enroll in your Tennessee Medicare Supplement benefits. The younger you are at enrollment, the lower your premium will be, and vice versa.
  • Attained-age-rated plans increase their premium as you get older after basing your initial premium on your age at the time of enrollment.

Medigap Guaranteed Issue Protections in Tennessee

The ideal time to sign up for a Medicare Supplement plan in Tennessee is during your Medigap Open Enrollment Period. This is the period in which you can’t be denied coverage because of pre-existing conditions and are provided with guaranteed issue rights.

If you want to enroll in Tennessee Medicare Supplement coverage and are eligible but miss your Medigap Open Enrollment Period, you may be denied coverage at the discretion of the private insurance company you look to enroll with. Additionally, even if you are granted coverage, you can expect it to come with an elevated premium as a result.

You may also face a waiting period that can last as long as six months when you enroll after your Medigap Open Enrollment Period. This means that you’ll have to wait for benefits to cover your healthcare or do so through other means during that time.

Further complicating things is the fact that there are some plans you may not be able to enroll in outside of your guarantee issue rights, and for residents of Tennessee, there are a number of scenarios to consider.

Typically, you’re going to need to apply for coverage with respect to each scenario’s time frame in order to maintain your guaranteed issue rights. This is going to be no later than 63 calendar days once your coverage ends in most cases.

Learn more about these scenarios below for residents of Tennessee. However, note that if you are not eligible for Medicare Supplement Plan F in Tennessee, your guaranteed issue rights will apply to Plan G instead:

Scenario 1:

The first scenario will grant you guaranteed issue rights for Tennessee Medigap Plans A, B, C*, D*, F*, G*, K, or L if the following applies:

  • You are currently enrolled in a Medicare Advantage plan, but;
  • Your plan is leaving the Medicare program or the area you live or;
  • You’re moving in an area that your plan isn’t offered.

Guaranteed issue rights are only allowed in this situation when you are switching to Original Medicare benefits, not when you are switching to a different Medicare Advantage plan. You also aren’t able to have Medicare Supplement plans in Tennessee in this scenario if you have a Medicare Advantage plan at the same time.

Scenario 2:

Guaranteed issue rights for Medicare Supplement Plans A, B, C, F, K, or L in TN when the following conditions are met:

  • You currently have either Medicare Parts A and B benefits and your employer group health plan. This includes having coverage through COBRA or as a retiree and;
  • Or you’re enrolled in coverage from a Union that pays after your Medicare benefits pay, but your Union plan is ending.

Should you qualify for guaranteed issue rights in this manner, additional rights may be available to you. If you have COBRA coverage, you can wait until it ends or choose to purchase Medicare Supplement coverage immediately.

Scenario 3:

Tennessee Medigap Plans A, B, C, F, K, or L are available with guaranteed issue rights to residents who are enrolled in Original Medicare and Medicare SELECT but are moving outside of an area in which their SELECT policy is offered.

Scenario 4:

In the event that a company providing you with coverage were to go bankrupt, you can enroll in a Medicare Supplement plan in Tennessee lettered A, B, C, F, K, or L. Guaranteed issue rights are also available if you lose coverage, and it isn’t your fault.

Scenario 5:

Residents receiving coverage from Programs of All-Inclusive Care for the Elderly (PACE) or Medicare Advantage plan or Programs of All-Inclusive Care for the Elderly (PACE) that were age 65 upon enrollment can switch to Original Medicare benefits. You’ll need to do so within your first year of enrollment. This switch allows you to enroll in Medicare Supplement plans in Tennessee as well due to your trial right.

Scenario 6:

Your trial right also comes into play if you were to drop your coverage from Medicare Supplement coverage, a Medicare Advantage plan, or switch to a Medicare SELECT policy. However, this is only applicable if it’s your first time and you’ve had your coverage for less than a year.

In this situation, you can either switch back to your previous Medicare Supplement plan in Tennessee, or if that is unavailable, you can choose among lettered plans A, B, C, F, K, or L.

When To Enroll in Medigap Plans in Tennessee

It’s always recommended that the best time to enroll in Tennessee Medicare Supplement benefits is as soon as you are eligible. Under normal circumstances, this means that you would enroll in Medigap plans in Tennessee as soon as you are enrolled in Medicare Part B benefits.

If you don’t enroll during this time period, you may not have guaranteed issue rights and could be subject to medical underwriting. For those with health issues, this could mean missing out on coverage altogether due to being dined as a client or facing higher premiums if you can enroll.

The Tennessee Plan

If you’ve worked for the state of Tennessee and qualify through your retirement, The Tennessee Plan is a viable option offered in conjunction with UMR, a UnitedHealthcare company.

These Medicare Supplement benefits are available for government employees, educators, and other retired personnel that have worked for the Volunteer State. In addition, dependent children and spouses are also eligible for this coverage.

In order to qualify, you must have been hired by a qualifying employer before July 1, 2015, and have been receiving the Tennessee Consolidated Retirement System’s monthly retirement allowance or have a higher education optional retirement plan that is eligible for Medicare Part A benefits.

If you are a retired education support staff member or local government employee that worked in TN before July 1, 2015, are eligible for Medicare Part A, and receive a monthly retirement allowance from the Tennessee Consolidated Retirement System, you can also apply.

Because premiums of The Tennessee Plan are not based on age, you won’t pay more as you age, and if you’ve been an employee or teacher for the state of Tennessee for over 15 years, part of your premium is paid by the state government each month as a reward for your service.

For those that wish to enroll in The Tennessee Plan and have a spouse that is a state retiree that qualifies, you are not able to do so unless the qualifying spouse is enrolled in The Tennessee Plan. It’s also important to note that in order for a spouse to enroll, the retiree must be eligible for The Tennessee Plan when they retire from the state. Future enrollment is not permitted.

The timing of enrollment is key for spouses as well. Even if you do qualify because your spouse has worked for the state of Tennessee, if you apply after January 1 of the year that follows initial eligibility for the retiree, you will be designated as a late applicant. As such, you’ll need to undergo medical underwriting and receive approval before being allowed into the plan.

While The Tennessee Plan is a great option for many, it’s still important to compare your options as a Medicare beneficiary. Here are some considerations you’ll want to keep in mind:

  • Everyone has different healthcare needs, and if The Tennessee Plan doesn’t cover everything that is specific to your needs, other options are available and may be better choices.
  • Because The Tennessee Plan is Medicare Supplemental coverage, you’ll be covered for Medicare-approved healthcare services. Therefore, additional coverage for things such as dental or vision will not apply in most cases.
  • You’ll also need to enroll in a Medicare Part D plan to cover prescription drugs.
  • Furthermore, because you can’t have Tennessee Medicare Supplement coverage and a Medicare Advantage plan at the same time, you’ll have to choose one or the other.

If you qualify for The Tennessee Plan, the coverage may be a great option for handling your healthcare costs. However, always review your options to identify the best option for your specific healthcare and budget needs.

Does Tennessee Allow Medicare Part B Excess Charges?

Yes, the state of Tennessee allows excess charges when you receive healthcare. This means that you may be charged as much as a 15% additional cost your healthcare provider may charge you if they are a part of the Medicare program but do not accept Medicare assignment.

However, the good news is that while excess charges are allowed in Tennessee, they are not common. Only a small percentage of physicians in the state do not accept Medicare assignment. Additionally, you will never pay excess charges in a state that doesn’t allow them – even if you live in a state that permits excess charges.

Still, it’s important to understand where your healthcare providers stand. To avoid these costs, it is vital to speak with your doctor before receiving services, and it’s important to understand whether or not your Medicare Supplement coverage in Tennessee is a plan that offers protection from such charges.

Additional Medicare Coverage Options in Tennessee

Medicare Supplement plans in Tennessee are incredible options for many beneficiaries, but remember, everyone’s needs are different. Therefore, it only makes sense that other coverage options may better suit your needs. Furthermore, there are also coverage options outside of Medicare that may be appropriate for your healthcare, as Original Medicare doesn’t cover everything you might face as you age.

Medicare Advantage plans are coverage options available to those enrolled in Medicare Part A and Part B. A misconception is that these plans replace your benefits, but this is not quite so. However, they will cover anything Original Medicare will cover but also offer additional benefits such as fitness memberships, prescription drug coverage, and/or vision coverage.

However, it’s important to realize that Medicare Advantage plans come with networks that can restrict your access to healthcare or charge you more as a result. It’s also worth noting that your additional benefits are up to each individual insurance company and each plan available in your area. Finally, you cannot have a Medicare Advantage plan and a Medigap plan in Tennessee simultaneously.

For those concerned about the cost of prescription drugs, Medicare Part D is available. Also offered by private insurance companies, it’s important to understand the formulary of the plan you are enrolling in. Plan availability will vary from location to location, as will the coverage of each plan. If your medication isn’t on a Medicare Part D plan’s formulary, it won’t be covered. Therefore, always check before enrolling.

But if you are looking to protect yourself against healthcare costs for dental, hearing, and vision needs, you may also need additional coverage. It is rare for Medicare to cover these healthcare needs, even if you have a Medicare Advantage plan, as these benefits are rarely offered.

Speaking with a licensed Medicare agent can help you look at your healthcare needs, your budget, and options to best suit your needs.

How to Apply for Medicare Supplement Plans in Tennessee

Applying for coverage is simple and by working with a licensed Medicare agent, you can gain professional insight plus the ability to review more healthcare options, quickly. There are a lot of variables to consider and everyone is different. While a Medicare Supplement plan may be best for your needs, for some, Medicare Advantage plans may be the right option instead.

Don’t have time to call today? Fill out our online rate form to to compare coverage and discover the benefits available in your area.

Sources

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare, CMS.. Accessed May, 2023.
    https://www.tn.gov/content/dam/tn/commerce/documents/insurance/posts/Consumer_Guide_Medicare_Medigap.pdf
  2. The Tennessee Plan, Tennessee State Government.. Accessed May, 2023.
    https://www.tn.gov/partnersforhealth/other-benefits/tennessee-plan.html
  3. The Tennessee Plan Supplemental Medical Insurance for Retirees with Medicare, Tennesse State Government.. Accessed May, 2023.
    https://image.mail.umr.com/lib/fe3e15707564067e731772/m/2/f68bb898-95a3-483b-86fa-a7dd5d3ae219.pdf
Kayla Hopkins

Kayla Hopkins

Content Editor
Kayla Hopkins is an accomplished writer and Medicare educator serving as the Editor of MedicareFAQ.com. Upon completing her Communications degree from Ohio University, Kayla dedicated her time to understanding the ever-evolving landscape of healthcare. With her extensive background as a Licensed Insurance Agent, she brings a wealth of knowledge and expertise to her writing.
Ashlee Zareczny

Ashlee Zareczny

Compliance Manager
Ashlee Zareczny is the Compliance Manager for MedicareFAQ. As a licensed Medicare agent in all 50 states, she is dedicated to educating those eligible for Medicare by providing the necessary resources and tools. Additionally, Ashlee trains new and tenured Medicare agents on CMS compliance guidelines. Ashlee is a Medicare expert who specializes in Medicare Supplement, Medicare Advantage, and Medicare Part D education.

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