Tennessee Medicare Supplement Plans: Medicare in Tennessee

Medicare Supplement Insurance Plans in Tennessee

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What Medicare Supplement Insurance Plans Are Available in Tennessee?

Medicare Parts A and B help cover expenses like hospital and doctor visits, but there are gaps left in coverage for expenses like copayments, coinsurance and deductibles. For those about to turn 65, a Medicare Supplement Insurance plan can assist with covering these types of out-of-pocket expenses. Also referred to as Medigap, Medicare Supplement Insurance plans are offered by private insurance companies throughout Tennessee.

Medicare Supplement Insurance Plans in Tennessee - Image

In 2023, residents of Tennessee have many Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Tennessee residents looking for a Medicare Supplement Insurance plan should first look at their specific coverage needs to determine what Medigap plan they might want to consider.

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Most Popular Medicare Supplement Plans in Tennessee

Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Tennessee. The statistics below show what Medigap plans are selected by Tennessee residents. Insurance companies selling Medigap plans offer the same basic benefits, but those plans may come at different prices depending upon the insurance carrier and your location. Each insurer in Tennessee may not offer each of the available Medigap plans.

As reported by America’s Health Insurance Plans (AHIP), 316,102 Tennessee beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Tennessee enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	1,451	1,174	8,454	4,451	1,493	147,708	121,152	127	751	6,841	846	360	35	19,840

Source:

AHIP

(2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Tennessee Medicare Supplement Insurance plan does not include coverage for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan or consider a Tennessee Medicare Advantage plan.

To learn more about your Medicare Supplement Insurance plan options in Tennessee, you can work with a SelectQuote licensed insurance agent. Acting as your advocate, our team can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Supplement Insurance plans in Tennessee.

Tennessee residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage plan at the same time. A Medigap plan can’t be used to pay for any expenses for a Medicare Advantage plan.

Tennessee Medicare Supplement Plan Enrollment Period

Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Tennessee begins the first day of the month you turn 65 years old. You also must be enrolled in both Medicare Parts A and B in order to enroll in a Medigap plan.

Tennessee residents have a six-month period surrounding their individual birth date to buy a Medicare Supplement Insurance plan. In some special cases, Medicare purchases can be made beforehand. Tennessee residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. It can be beneficial to start making these important changes at age 64 and 6 months, as soon as you’re eligible. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. However, if you apply for Medicare Supplement Insurance outside of this six-month timeframe, you will be subject to a physical exam. If you apply for Medigap coverage after the first six months of eligibility, a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

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Is a Tennessee Medicare Supplement Insurance Plan Right for You?

The best way to find out is to contact SelectQuote, an independent third-party company that specializes in helping consumers understand the ins and outs of Medicare. SelectQuote can help to ensure you’re getting the Medicare benefits available to you and inform you about annual plan changes. Let us help you find the right Tennessee Medicare Supplement Insurance plan to meet your needs and budget.

To ensure you are getting all the benefits you need, call to speak with a licensed insurance agent or complete your online form today. Let our team simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

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