The Best Medicare Supplement (Medigap) Plans in Tennessee
- Tennessee Medicare Supplement (Medigap) insurance helps cover Medicare-related expenses such as copays and deductibles. Learn more about Medicare Supplement plans in Tennessee, including what they might cover and when the best times are to enroll.
Medicare Part A and Part B, commonly known as Original Medicare, covers many medical treatment expenses for qualifying individuals in the state of Tennessee. These plans, however, do not always cover all the costs of hospital stays, long-term treatments and deductibles. Tennessee Medicare Supplement plans, also known as Medigap plans, help fill these financial gaps by paying for some of the expenses not covered by Medicare.
In Tennessee, more than 42% of Original Medicare beneficiaries have a Medicare Supplement plan.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
What Are the Best Tennessee Medicare Supplement Plans?
In Tennessee and in most other states, 10 types of Medicare Supplement insurance are available. These plans are designated by a letter and offer standardized coverage for Medicare recipients, which means that Plan A Medigap insurance offers the same coverage regardless of what insurance company offers it.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,870 in 2025. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,220 in 2025. Plan L has an out-of-pocket yearly limit of $3,610 in 2025. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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All Medigap plans offer some coverage for Medicare Part A coinsurance. They must also cover an additional year (365 days) of hospitalization coverage beyond what is already covered by Medicare.
Medicare Supplement plans in Tennessee cover some portion of copayments required under Medicare Part B. Some plans even offer coverage for the deductible amounts that must be paid before Medicare will cover treatments and hospitalization.
Not all plans may be available to all Medicare participants. Individuals who first became eligible for Medicare coverage on or after January 1, 2020, cannot enroll in Plans C or F. These plans were phased out by Medicare because they provided first-dollar coverage for all medical treatments, which was prohibited by the Medicare Access and CHIP Reauthorization Act of 2015.
Individuals who reached the age of 65 before January 1, 2020, however, can still enroll in these plans for as long as they are available from insurance companies in Tennessee.
In Tennessee and in most other areas of the United States, the most popular Medicare plans are Plans F, G and N.
Have Medicare questions?
Talk to a licensed agent today to find a Medicare Supplement plan.
How Do I Enroll in Medicare Supplement Plans in Tennessee?
The easiest way to enroll in Medigap coverage is to do so during the initial six-month period of open enrollment, which begins on the first day of the month in which you turn 65 and have Medicare Part B.
During these six months, you cannot be turned down for any available Medicare Supplement insurance policy because of pre-existing conditions. If you have had Medigap coverage in the past and lost it because the company you chose went bankrupt or through other reasons that were not your fault, you may be entitled to guaranteed issue rights. This status lets you purchase Medigap insurance under the same terms that you would have had under the initial six-month enrollment period.
Guaranteed issue rights may also be available to you if you chose to enroll in a Medicare Advantage plan rather than Medigap coverage during your initial enrollment period. If you decide within the first year of coverage that you would prefer to switch to Original Medicare, you can typically access the same rates and guaranteed approval for coverage from Medigap providers.
If you do not enroll in Medigap in the first six months of your Medigap eligibility, insurers can deny your application or charge you higher rates for your coverage.
Medigap providers use underwriting and risk assessment tools to process the applications they receive. Pre-existing conditions could make it much more difficult for you to obtain Medicare Supplement insurance outside the initial six-month window of eligibility.
Helpadvisor.com is owned and operated by Tranzact, the parent company of TZ Insurance Solutions LLC, which is the owner/operator of MedicareSupplement.com and other websites mentioned on HelpAdvisor and which has a financial relationship with some of the carriers listed on HelpAdvisor.
