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Medicare Supplement Plans in Tennessee

Some of the best Medicare Supplement plans in Tennessee have helped over one-third of the state’s Medicare beneficiaries control their healthcare costs. Medigap plans cover some or all of the many coinsurance amounts, deductibles, and copayments included in Original Medicare insurance. Learning more about the way that Medicare and Medigap work in this state will help you buy the best Medicare Supplement insurance plan in Tennessee and to pay the most competitive premium rates.

These are some facts about Medigap policies and Tennessee residents who get benefits because they are enrolled in Medicare Part A and Part B:

  • Over 800,000 Tennesseans collect benefits from Original Medicare insurance.
  • Over 270,000 chose to add Medicare Supplement insurance plans in Tennessee.
  • Most people who a bought Medicare Supplement plan, chose Plan F.
  • The biggest Tennessee counties by population are Shelby, Davidson, Knox, Hamilton, and Rutherford Counties.

What are the Best Medicare Supplement Plans in Tennessee?

1. Best benefits: Medicare Plan F

Only beneficiaries eligible for Medicare coverage before January 1, 2020, not presently enrolled, have access to Plan F, which includes:

  • Medicare Part A and Part B coinsurance
  • Medicare Part A deductible and Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergency (80%)

2. Best comprehensive plan: Medicare Plan G

Plan G is a popular plan among Medicare beneficiaries who became eligible on or after January 1, 2020.

  • Same coverage as Plan F less the Part B deductible
  • Good value if you have a choice between Plan F and Plan G
  • Select any Medicare-participating doctor in the U.S.
  • Change doctors at any time.
  • Use your preferred Medicare-contracted hospital or health care facility.
  • See a specialist without a referral.

3. Best with co-pays: Medicare Plan N

Plan N provides many of the same benefits as Plan F and Plan G while offering a savings on premiums.

  • Medicare Part B coinsurance
  • Part A deductible
  • No coverage for Medicare Part B deductible, copayments or excess charges

Copayments you have to pay under Plan N:

  • Office visits: up to $20
  • Emergency room visits: up to $50

4. Best deductible plan: High-Deductible Plan F

  • Same benefits as original Plan F
  • $2,490 deductible must be met before benefits are paid
  • Significantly lower monthly premiums than original Plan F

When can I Enroll in a Medicare Supplement Plan?

In order to make certain you can enroll in your choice of Medicare Supplement insurance plans, you should try to enroll during a Medigap Open Enrollment Period. These are times when you won’t need to answer health questions on your application. No Medicare insurance company can charge you higher rates or decline you for a pre-existing medical condition during this time.

You get this guaranteed acceptance when:

  • You’re first enrolled in Medicare Part A and Part B and have an Initial Enrollment Period
  • You qualify for a Special Election Period because you lost your old health plan because of certain circumstances

You’re assured of the best rates and guaranteed acceptance if you apply for Medigap policies during a Medigap Open Enrollment Period. However, an insurance company may still accept applicants at other times if they don’t suffer from certain acute or chronic illnesses.

What Companies Sell Medigap Plans in Tennessee?

Below are private insurance companies and corresponding ratings per the National Committee for Quality Assurance (NCQA). A range of 4 to 5 represents the highest customer satisfaction.

  • Aetna Health Inc.: 4.5
  • Cigna HealthCare of Tennessee: 3.5
  • Mutual of Omaha

Rating takes into account demographics, when you apply and where you live. Our Policy Guides can provide pricing in minutes.

What is the Average Cost for a Medicare Supplement Plan in Tennessee?

Here are sample rates for a 65-year-old nonsmoking female living in Robertson County, zip code 37010. The average monthly cost using this sample is about $98 for 2022.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$101.71 - $150.01
Plan N$77.88 - $176.21

Is Plan G Available in Tennessee?

How much does it cost?

Your premium is based on age, location and smoking. For example, based on the following Plan G premiums for a 65-year-old nonsmoking female, the average monthly cost is $113.65.

Location Premium Range Average Premium
37011 Davidson County $101.71 – $150.01 $113.89
37339 Grundy County $101.71 – $147.07 $113.40

Related Topics

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

State Resources

Key Take Aways
  • In 2022, Plan G has quickly overtaken Medicare Plan F in TN by enrollment.
  • Plan G premiums for a 65-year-old nonsmoking female, the average monthly cost is $113.65.
  • Over 800,000 Tennesseans collect benefits from Original Medicare insurance.
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