Speak with a licensed advisor: 1-888-414-4547
Find The Best Medicare Plans in Tennessee

Talk to a Licensed Insurance Agent

(888) 414-4547

Best Medicare Plans in Tennessee

The best Medicare in Tennessee is a benefit that seniors and disabled citizens are entitled to take. If you are turning 65 soon or you have been on Medicare for a while, you will want to learn how you can obtain this benefit now. It’s not too early to do this because you can take your Tennessee Medicare benefits before you turn 65 years old. With Medicare in Tennessee, there is an initial enrollment period, and this is the time when you may become enrolled in Medicare Part A and Part B without paying any of the penalties.

The enrollment period begins three months before the month in which you will turn 65. After your birth month passes, you will have three additional months to claim your Tennessee Medicare insurance benefits before you are subject to the Medicare Part B late enrollment penalty. If you would like to accept Part A coverage but do not plan to purchase it when you are first Medicare eligible, you may be subject to a Part A late enrollment penalty. It definitely pays to obtain your coverage as soon as possible so that you can avoid all of these penalties.

Enrollment Statistics for Medicare in Tennessee

Last year, 819,470 Medicare beneficiaries in Tennessee were enrolled in Original Medicare Part A and Part B.

Best Types of Medicare Plans in Tennessee

  • Medicare Supplement Plans in Tennessee: Medicare Supplement Plans are also called “Medigap plans,” and anyone can purchase one after enrolling in Original Medicare insurance Part A and Part B and paying the Medicare Part B premium. Your Tennessee Medicare benefits do not cover every expense so there will be a portion that you are expected to pay your providers. These plans help fill the “gap” that is left by Medicare Part A and Part B so that you are not overwhelmed by your medical bills and don’t have to pay as many out of pocket costs.
  • Medicare Advantage Plans in Tennessee: Tennessee beneficiaries are also entitled to choose to accept their Part A and Part B benefits in a stand-alone Medicare Advantage plan. Medicare Advantage is also known as “Medicare Part C,” but it is sold by a private insurance company. You may be able to choose a Medicare Advantage plan that offers you Medicare Advantage prescription drug coverage, although you might be restricted to a certain pharmacy network. With these health plans, you may also be restricted to a certain provider network when choosing health care providers.
  • Medicare Prescription Drug Plans: Medicare Prescription Drug Plans are also called “Medicare Part D,” and Tennessee beneficiaries may choose this option whether you choose Tennessee Medicare insurance or Medicare Advantage. You must decide whether or not you want this coverage early because if you don’t enroll during the Initial Medicare Enrollment Period, you may be forced to pay the Medicare Part D Late Enrollment Penalty.
  • Special Needs Plans: Special Needs Plan options were created for people with qualifying diseases or disabilities. Beneficiaries in Tennessee with these plans are very fortunate because their plans are individually created to fulfill the particular needs of the beneficiary. For example, the plan will cover the particular drug formulary that the covered individual needs the most. In addition to that, your doctors will be added to the plan so that your expenses will be covered by Medicare in Tennessee.

Obtain Tennessee Medicare Part A and Part B benefits through one of the following:

  • Medicare Savings Account Plan (MSA plan)
  • Special Needs Plan (SNP)
  • Private Fee-for-Service Plan (PFFS plan)
  • Preferred Provider Organization (PPO plans)
  • Health Maintenance Organization (HMO plans that are restricted to a certain service area)

If you plan to switch from Original Medicare insurance to Medicare Advantage, you will need to purchase it from a private insurance company. Insurance companies that sell these Medicare plans in Tennessee are under contract with Medicare in Tennessee to provide you with your Part A and Part B benefits. The advantage that you have with these plans is that you can compare rates that you receive from several insurance companies so that you can choose the plan that is offering you the best rates.

Medigap plans will be purchased in the same way as Medicare Advantage plans will be if you prefer to have a Medigap plan. As you compare the rates from different insurance companies, you will compare the deductibles, the coinsurance, the copays and the premiums. The best Medicare plans in Tennessee will offer you the lowest rates but will also offer you the most extensive coverage. Keep in mind that there cannot be two beneficiaries on one supplemental plan, so you and your spouse will need to apply for two different Medicare plans in Tennessee.

Medicare in Tennessee Resources

If you’d like some extra help so that you can learn more about Medicare coverage or get signed up for the federal Medicare program, these resources can help. They will provide you with a complete description of benefits that you can enjoy with Medicare and can provide advice about how to reduce healthcare costs when visiting the doctor, a hospital or a skilled nursing facility.

Social Security Administration

CMS: Centers for Medicare and Medicaid Services


State Health Insurance Assistance Program

Once you’ve checked out the resources above, you can talk to an insurance agent about insurance plans that will save you even more money. You don’t have to take the time to call each insurance agency separately to find out about all of your options, either. 

Instead, you can give us a call to learn about Medicare Advantage, Medicare Supplement insurance and Medicare Part D plans. We work with all of the companies with top star ratings and know about all of the best plans for seniors. Give us a call, talk to us about what you can afford to pay as a monthly premium and about what your healthcare needs are, and we’ll help you out.

Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547