Tennessee Medicare: Medicare Advantage Plans in Tennessee (TN)

Medicare Advantage Plans in Tennessee

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What Are Tennessee’s Medicare Advantage Plan Offerings?

For Tennessee residents approaching age 65, it’s time to think about Medicare. The federally administered Medicare program is a primary source of healthcare coverage for residents age 65 years and older. SelectQuote can help you navigate your options for Medicare coverage in Tennessee, including Medicare Advantage plans.

Also known as Medicare Part C, Tennessee Medicare Advantage plans combine coverage from Medicare Part A, hospital insurance, and Medicare Part B, medical/doctor’s office insurance. Tennessee Medicare Advantage (MA) plans are sold by private insurance companies, offer at least the same coverage as Medicare Part A and Medicare Part B, are approved by Medicare and often include benefits not covered by Parts A and B.

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Am I Eligible for a Medicare Advantage Plan in Tennessee?

Figuring out eligibility for Medicare Advantage in Tennessee is simple. First, you must know if Medicare Advantage plans are sold in your county or zip code. If so and you’re already eligible for Medicare Parts A and B, you’re also eligible for Medicare Part C. Copayments, coinsurance and deductibles vary depending on the Medicare Advantage plan in which you enroll.

Tennessee residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance plan at the same time. A Medicare Supplement Insurance plan helps to cover some of the gaps in coverage such as copayments, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by Medicare Advantage Plans in Tennessee?

Any resident of Tennessee looking for prescription drug coverage should consider a Medicare Part C plan, as some Medicare Advantage may also include a Medicare Prescription Drug plan. A Medicare Advantage plan with prescription drug coverage is called a MAPD plan and can help cover some of the costs of prescription drugs.

Most Popular Medicare Advantage Plans in Tennessee

Finding the right Medicare Advantage plan in Tennessee is as unique as the person the plan is for. Among Tennessee residents who are enrolled in Medicare Advantage, 66% choose an HMO/HMOPOS while 33% are enrolled in a Local PPO, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Tennessee for your needs and budget.

You can become more informed about Medicare Advantage plans available in Tennessee by contacting a SelectQuote licensed insurance agent to guide you through the Medicare maze. Acting as your advocate, our licensed insurance agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to accommodate your budget and needs.

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Tennessee Medicare Advantage Plan Enrollment Period

Enrollment in a Medicare Advantage Plan occurs during specified enrollment periods. Medicare enrollment in Tennessee opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends three months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Tennessee resident with a May birthday, your IEP runs from February through August.

You may also enroll in a Medicare Advantage plan during the Medicare Annual Enrollment Period, which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Tennessee residents can:

Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
Change from one Medicare Advantage Plan to another
Switch from one Prescription Drug (Part D) plan to another
Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Tennessee residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a Tennessee Medicare Advantage Plan Right for You?

SelectQuote can help ensure you are getting all available Medicare benefits. We can also help you stay up-to-date with annual changes made to Medicare plans. As a trusted independent third-party company that helps beneficiaries understand their Medicare options, SelectQuote is here to help you find the right Tennessee Medicare Advantage plan for your needs.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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