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Best Medicare Supplement Plans in Tennessee 2021

Some of the best Medicare Supplement plans in Tennessee have helped over one-third of the state’s Medicare beneficiaries control their healthcare costs. Tennessee 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:

What Are the Top 5 Medicare Supplement Plans in Tennessee?

The best Medicare Supplement insurance plan in Tennessee for someone else may not be the best plan for you. The most effective approach is to compare plan options with your medical expenses and budget in mind.

1. Best for full coverage: 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

3. Best in value: 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
  • $2,370 deductible must be met before benefits are paid
  • Significantly lower monthly premiums than original Plan F

5. Best for lowest premiums: High-Deductible Plan G

  • Same benefits as original Plan G
  • $2,370 deductible must be met before benefits are paid
  • Significantly lower monthly premiums than original Plan G

What is the Best Supplemental Insurance to go with Medicare?

The best Medigap plan in Tennessee varies from one individual to another. A licensed insurance agent can help you filter plan options to identify the plan that gives you peace of mind.

What is the most popular Medicare Supplement plan in Tennessee for 2021?

Plan G is now the most popular Medicare Supplement insurance plan in Tennessee.

Which plan has the best benefits in Tennessee?

Best for comprehensive coverage: Medicare 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.

Best for full coverage: Medicare Plan F

Prior to 2021, Plan F was considered the best option for full coverage. It mirrors Plan G plus covers the Part B deductible. If you do not qualify for Plan F, Plan G is your best option.

Original Medicare Coverage Eligibility Effective Date Best Plan Options
Before January 1, 2020 if not yet enrolled Plan F or Plan G
On or after January 1, 2020 Plan G

How do I choose the best plan?

Our Policy Guides are ready to help you choose the plan that accommodates your health care needs and priorities.

Which Medigap company offers the best rates in Tennessee?

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 for 2021?

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.

Tennessee Medigap Plan Premium Range Average Premium
Plan K $50.78 – $99.68 $75.23
Plan N $77.88 – $176.21 $104.74
Plan G $101.71 – $150.01 $113.89

Common Tennessee Medicare Supplement Plan Questions

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

When Can I Apply for a Tennessee Medicare Supplement Plan?

Annual election periods apply to Medicare Advantage and the Medicare Part D plan, not Medicare Supplement insurance plans.
You may apply for a Medicare Supplement insurance plan in Tennessee anytime after your 65th birthday. However, the best time to sign up is during your Medigap Open Enrollment Period. Here is what you need to know:

  • The duration is six months.
  • You must be enrolled in Medicare Part B.
  • The six-month period starts the first of the month in which you turn 65 or older.

If you miss the Medigap Open Enrollment Period

When you apply during the Medigap Open Enrollment Period, the insurance company cannot charge you a higher premium because of any current or pre-existing health conditions.

If you miss this window, insurers can charge you more, or, decline your insurance policy application altogether unless you have guaranteed issue rights.

Guaranteed Issue Rights

When you have guaranteed issue rights, the Medicare insurance company is required to:

  • Offer you one of the Medigap policies
  • Cover pre-existing conditions
  • Disregard current or previous health conditions in setting a price

Discuss with our Policy Guides if the guaranteed issue rights provision applies to you.

Which is better, Medigap Plan G or Plan N?

Both plans cover:

  • Part A coinsurance
  • Part B coinsurance
  • Part A hospital costs up to plan limits after Medicare benefits are exhausted
  • First three pints of blood
  • Part A coinsurance or copayment for hospice care
  • Coinsurance for skilled nursing care
  • Foreign travel emergency

Coverage differences:

Medicare Plan Part B Copayments Part B Excess Charges
Plan G Yes Yes
Plan N You pay up to $20 for office visits and up to $50 for ER No

What is Medicare Supplement Insurance?

Original Medicare and Medicare Supplement Plans in Tennessee are programs that provide basic benefits for hospital and outpatient services.

You can apply for Medicare no earlier than three months before the month you turn 65 and no later than three months after your birthday month. Once enrolled, you can:

  • Join a Medicare Advantage plan, which serves to replace most of the coverage you get from Original Medicare.
  • Apply for one of the Medicare Supplement Plans in Tennessee to reduce out-of-pocket costs.
  • Sign up for Part D (prescription drug plan).

If you received 24 months of disability benefits from Social Security or the Railroad Retirement Board (RRB), regardless of age, Medicare enrollment is automatic.

Is Plan G the Best Medigap Plan in Tenneesee?

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

What is the Plan G Deductible in 2021?

There is no deductible for Plan G. You are responsible for the Medicare Part B deductible, which is $203 in 2021, as well as any deductibles in your Medicare Part D plan (prescription drug coverage).

What does Medigap Plan G Cover in Tennessee?

Related Topics

Plan G by State

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

Tennessee Enrollment Statistics

  • 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 bought Tennessee Medicare Supplement plans chose Plan F.
  • The biggest Tennessee counties by population are Shelby, Davidson, Knox, Hamilton, and Rutherford Counties.
Key Take Aways
  • In Tennessee, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Tennessee to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
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