Questions? Call for details. (888) 414-4547
Get a Quote
Select coverage type
Enter your zip code
Select Your State
Enter Your Zip Code

Best Medicare Supplement Plans in Tennessee 2020 – Comparison Chart

If you’re about to enroll in Medicare Part A and Part B of Medicare, you may consider one of the best Medicare Supplement plans in Tennessee for 2020 to help fill in some of the gaps in coverage left by deductibles and copays. After all, Original Medicare through the federal Medicare program is a great program, Medicare coverage just doesn’t cover everything. Learning about a Tennessee Medigap plan through a top company like Cigna or Mutual of Omaha might be the key to saving money on your out-of-pocket expenses for your healthcare.

In this state, almost 80 percent of Medicare beneficiaries are at least 65 years old, and the rest qualify because of a disability. Your age, other health benefits, and your preferences for accessing medical care might influence your choice of a Medicare Supplement plan in Tennessee.

We can help you compare a variety of Medicare Supplement plans with our online quotes. If you’d prefer to speak to a Medicare agent, you’re also welcome to call. Our licensed insurance agents are always happy to share information and monthly premiums for different health plans with Medicare beneficiaries who are looking into their plan options.

Best Time to Apply for a 2020 Medicare Supplement Plan in Tennessee?

You really should start to compare the best Medicare Supplement plans in Tennessee a few months before you plan to take Medicare Part A and  Medicare Part B. For most folks, this is a few months before your 65th birthday; however, other people may delay their Part B because they have access to job-related health insurance. Some Medigap insurers will let you apply for a Medicare Supplement plan in advance, and you may want to get this out of the way. You can be sure you have your benefits in place when you turn 65 years old.

The critical thing to know is that you get a Guaranteed Election Period that begins the month you turn 65 and lasts for only six months. At this time, you can enroll in any Medicare Supplement plan in Tennessee without health underwriting. At other times, you’re still welcome to apply for Medigap plans, but you could get higher rates or even get declined. You may also be entitled to other Guaranteed Enrollment Periods if you lose additional coverage or move away from a current plan.  It’s worth speaking with a Medicare Specialist to understand your specifics.

American Medicare beneficiaries who are preparing to sign up for Medicare through the federal government program should also start looking into Medicare Part D. This is essential if they want prescription drug coverage, since prescription drug plans are not included with any of the Supplement plans, from Plan A or Plan C to Plan N.

How are 2020 Rates Calculated for Medicare Supplement Plans in Tennessee?

Insurance companies that offer Medicare plans base their standard rates on many different factors. If you’re shopping for the best Medicare Supplement plan in Tennessee, you should consider these three ways that a company might price its policy:

  • Attained Age

    The company might base the rates on the age you are now, and they will also be likely to increase these Medigap rates as you get older.

  • Issue Age

    An issue-age policy means your rates are based on the age when you applied.

  • Community Age

    In this case, the insurer doesn’t consider your age at all, but they offer the same premium based on health costs in your community.

What Are The Best Medicare Supplement Plans in Tennessee for 2020?

Below is a brief overview of the most popular and best Medicare Supplement plans in Tennessee. We believe they suit the majority of our clients:

Medigap Plan F in Tennessee:

  • Out of all of the Medicare Supplements, Plan F in Tennessee has been the most popular choice. This is probably because it offers all the allowed benefits.

Medigap Plan G in Tennessee:

  • Medicare Supplement plan G in TN has been increasing in popularity in recent years. It’s somewhat cheaper than Plan F and only doesn’t pay the Part B deductible. Right now, it’s common to find that the rates for Medigap plan G are cheap enough to cover that deductible.

Medigap Plan N in Tennessee:

If you have a strict monthly budget, you might consider this option. Medigap plan N in Tennessee has some co-pays and won’t pay excess charges, but otherwise, it will give you broad benefits.

We think these are the best Medicare Supplement plans in Tennessee because they offer the benefits that can keep you from high out-of-pocket costs. You can find a detailed outline of coverage online or ask a Medicare provider for one.

Please note: Medigap Plan F in Tennessee will no longer be available to Medicare beneficiaries that turn age 65 after 01/01/2020. Plan F will still available to Medicare Beneficiaries who are already on Medicare Part A and Medicare Part B prior to 01/01/2020.

Medicare Supplement Plan Comparison Chart in Tennessee for 2020

You might have already learned a little bit about the best Medicare Supplement plans in Tennessee above. However, if you’d like to know even more about what Medicare Supplement Plan F, Medicare Supplement Plan G and Medicare Supplement Plan N cover, take a look at this Medigap comparison chart for Tennessee:

Can You Transport Your Medicare Supplement plan from Tennessee To Other States?

One of the primary reasons that people choose the best Medicare Supplement plans in Tennessee is because they don’t have to worry about networks. If you happen to travel outside of your local area, you can still access any provider that accepts Medicare. You also won’t have to call a primary doctor to get a referral to visit with a specialist. Some Medigap plans even cover urgent care that you need outside of the United States. Things like hospice care and care in a skilled nursing facility aren’t limited to a network in your immediate area, such as if you’d rather seek this care near a family member’s home in another state.

If you think you might permanently move from Tennessee, keep these things in mind:

  • Contact your insurer to tell them that you moved. Remember that premiums are likely to vary in different states or counties.
  • Your insurer should be able to transfer your Medigap plan to your new hometown very easily.
  • In the rare case that your current company can’t transfer your Medicare Supplement plan for some reason, you should be entitled to another Guaranteed Issue Period. The terms of this could depend upon your state’s rules.

If you like the freedom and flexibility of Tennessee Medicare Supplement plans, then you’ll probably want to choose one of these options instead of Medicare Advantage plans (Medicare Part C). After all, many Medicare Advantage plans are HMO or PPO plans and therefore have network restrictions for you to worry about.

Statistics for Medicare Supplement Plans in Tennessee

This a quick snapshot of facts that are of interest to people who receive Medicare benefits:

  • Number of Tennessee beneficiaries: About 1.2 million
  • Percent of Tennessee beneficiaries under 65: 23 percent
  • Number with Medicare Advantage: About 427,000
  • Estimated number with Medicare Supplement plans in Tennessee: About 500,000

These are populations of bigger Tennessee counties:

  • Shelby County, TN: 934,603
  • Davidson County, TN: 684,410
  • Knox County, TN: 456,132
  • Hamilton County, TN: 357,738

The best Medicare Supplement plans in Tennessee can be purchased throughout the State of Tennessee, although you may find that you have more options for Medicare Supplement insurance plans if you live in one of the bigger cities. Comparing rates for Medigap policies through different providers will help you find the best deal.

Compare Medicare Supplement Plans in Tennessee Online

You will need to view personalized quotes and lists of providers to make a good decision about the best Medicare Supplement plan in Tennessee for yourself or somebody you care for. To begin, you can find “Tennessee” in the list of states here on this page. We can provide you with more information, an outline of coverage, and their reviews of your alternatives.

If you have questions, make use of the toll-free number to talk to an agent. We hope we can help Medicare recipients find the best Medicare Supplement plan that meets their budget and needs.

Related Medicare Supplement Plan Topics in Tennessee

Senior Life Insurance Plans is a great resource for Medicare beneficiaries to learn about there options, we also specialize in senior life insurance plans. We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Resources For Members of Medicare Supplement Plans In Tennessee

Depending upon your income, you might qualify for assistance with Medicare premiums and even out-of-pocket costs. You can make an appointment with the Tennessee Commission on Aging and Disability to find out if you qualify for a variety of state and federal programs. You can also check out www.medicare.gov for more information.