Best Medicare Supplement Plans in Tennessee 2024

Ten Medigap plans cover some or all of the coinsurance amounts, deductibles, and copayments included in Original Medicare insurance.

  • By 2024, Medicare Supplement Plan G has emerged as the best choice in Tennessee, quickly surpassing Medicare Plan F in enrollment.
  • Ace Property and Casualty Insurance Company is a top company offering monthly Plan G premiums for $99.67.

Medicare Supplement Plan G

  • Coverage extends to 38% of state enrollees, with more than 121,150 policyholders.
  • 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 healthcare facility.
  • See a specialist without a referral.

Medicare Supplement Plan N

  • Medigap Plan N provides many of the same benefits as Plan F and Plan G.
  • Lower premiums.
  • Nearly 20,000 enrollees.
  • Medicare Part B coinsurance.
  • Part A deductible.
  • No coverage for Medicare Part B deductible, copayments, or excess charges.

Best Low-Cost Plan: High Deductible Plan G

  • High Deductible Plan G has the same benefits as Medicare Plan G.
  • The annual deductible amount is $2,800.
  • Offers a cost-effective alternative to Medicare Plan G.
  • Notably more affordable than High Deductible Plan F while still providing coverage for everything except the Part B deductible.

Medicare Supplement Plan F

  • Plan F offers the highest level of benefits; however, the beneficiary must have a Medicare start date before 1/1/20.
  • Over 147,700 beneficiaries are enrolled in Plan F.

We also offer a comprehensive Medicare Supplement Plans Comparison Chart to explore and compare different plans in detail to assist you in choosing the right coverage for your needs.

After reviewing key factors, Ace Property and Casualty Insurance Company offers competitive rates for Plan G, Plan N, and Plan F.

While Ace Medigap plans are affordable in Tennessee, cost shouldn’t be the sole factor when choosing a Medicare Supplement provider.

Ace stands out with its cost-effectiveness, plan options, household premium discounts, and high customer satisfaction.

Check out this chart comparing Ace with other Medicare Supplement companies in Tennessee for helpful info, like sample premiums and ratings.

CompanyAM Best RatingPlan G RatesPlan N RatesHi-F RatesPlan F Rates
Ace Property and Casualty Insurance CompanyA++$99.67$75.42n/a$113.33
Allstate Health SolutionsA+$102.52$77.76$39.11$126.34
American Home Life Insurance CompanyB++$104.37$75.40n/a$125.28
SBLI USA Life Insurance Company, Inc (Prosperity)A-$104.56$76.92n/a$118.31
American Benefit Life Insurance CompanyA-$107.27$80.29n/a$133.92
Manhattan Life Assurance CompanyB++$108.58$81.33n/a$135.00
New Era Life Insurance Company of the MidwestA-$109.41$77.88$38.82$130.41
Omaha Supplemental Insurance CompanyA+$110.38$75.21n/a$133.43
Cigna National Health Insurance CompanyA$113.35$75.54n/a$121.28
Capitol Life Insurance CompanyA-$114.23$82.79n/a$156.22
United States Fire Insurance CompanyA$115.58$75.75n/a$138.08
Humana Insurance CompanyA-$117.16$89.39n/a$138.19
Elips Life Insurance CompanyA$117.17$85.17n/a$136.25
Continental Life Insurance Company of Brentwood, Tennessee (Aetna)A$122.62$87.47n/a$146.02
Union Security Insurance CompanyB++$131.62$95.42n/a$156.31
Medico Insurance Company (Preferred)A$140.97$109.49$51.20$170.67
United American Insurance CompanyA$166.00$155.00$21.00$251.00
Bankers Fidelity Assurance Company (Preferred)A-$196.12n/a$38.90$240.65
Guarantee Trust Life Insurance CompanyA-$202.72$154.10n/a$244.93

What Factors Can Make You Ineligible for Medigap Coverage?

There are several reasons which might disqualify an individual from Medigap coverage. First, if you’re under 65, federal law doesn’t require states to offer Medigap policies. However, some states do offer it to those under 65.

Second, you might not be eligible for Medigap if you have end-stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

Finally, if a Medicare Advantage plan already covers you, you cannot use a Medigap policy to cover your out-of-pocket costs.

When Can I Enroll in a Medicare Supplement Plan?

To ensure you can enroll in your choice of Medigap plans, you should try to enroll during a Medicare Supplement Open Enrollment Period. You won’t need to answer health questions on your application during these times.

In addition, 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 in Tennessee 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 specific acute or chronic illnesses.


Our agents are committed to helping you navigate the complexities of Medicare and ensure you receive the best possible service and coverage.

Furthermore, we understand the importance of personalized assistance. Feel free to give us a call today to speak with one of our knowledgeable representatives. They will be happy to answer any questions and provide further insights into the various Medicare insurance options in Tennessee available to you.

You also have the option to directly request a quote through our website.

Frequently Asked Questions:

What is the cost of Medicare Supplement plans in Tennessee?

These plans can range from $50 to $382 per month.

What is the best Medicare Supplement provider in Tennessee?

Ace, Allstate, Mutual of Omaha, Aflac, and Cigna are some of the nation’s most trusted providers, offering exceptional coverage and service at competitive rates.

What are the most popular Medigap plans in Tennessee?

The two most popular Medigap plans in Tennessee are Plan G and Plan N.

Which Medicare Supplement plan in Tennessee has the most coverage?

Plan G is one of Tennessee’s most comprehensive Medicare Supplement Plans. It covers most out-of-pocket expenses associated with Original Medicare, including copayments and coinsurance.

How much does Plan G cost in Tennessee?

The average monthly premium range is $99-$202. Your premium is based on age, location, and tobacco status.

Article Resources:

Average quotes are for sample purposes only. Actual premiums are based on several factors, including health conditions, age, location, tobacco status, gender, and insurance provider.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. In addition, his expertise is unmatched - having helped thousands of Medicare beneficiaries choose suitable healthcare plans for themselves - making him stand out above competitors.