Tennessee Medicare Supplement Plans

Medicare Supplemental Insurance, or “Medigap insurance,” helps residents covered by Medicare “fill in the gaps” that Medicare Parts A and B may leave. There are over 164,000 people in Tennessee with Medigap coverage. Tennessee residents must have both Medicare Parts A and B in order to qualify for Medigap. Premiums usually go up for Medigap policies the older a person is, so it’s smart to enroll in Part B and apply for Medigap as soon as a person turns 65.

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When to Enroll

After a person turns 65 and enrolls in Medicare Part B, there is a six month open enrollment period where a person cannot be denied for any Medigap plan. However, if a person has a pre-existing condition, a six-month waiting period may be enforced. It’s critical to enroll during this open period so Tennessee residents should plan ahead when turning 65. Open enrollment can mean an easier process and potentially lower premiums. To compare current policies and rates instantly, fill out the zip code form.

There are 10 Medigap plans available in Tennessee. Every plan offers “basic benefits” although some of these plans pay different percentages of these basic benefits.

• Plan A: basic benefits
• Plan B: basic benefits and Part A deductible
• Plan C: basic benefits, skilled nursing facility, Part A and B deductible, foreign travel emergency
• Plan D: basic benefits, skilled nursing facility, Part A deductible, foreign travel emergency
• Plan F or F Prime: basic benefits, skilled nursing facility, Part A and B deductible, Part B excess at 100%, foreign travel emergency
• Plan G: basic benefits, skilled nursing facility, Part A deductible, Part B excess at 100%, foreign travel emergency
• Plan K: basic benefits at 50%, hospitalization and preventative care at 100%, skilled nursing facility at 50%, Part A deductible at 50%, out-of-pocket limit at $4,640
• Plan L: basic benefits at 75%, hospitalization and preventative care at 100%, skilled nursing facility at 75%, Part A deductible at 75%, out-of-pocket limit at $2,320
• Plan M: basic benefits, Plan B co-insurance at 100%, skilled nursing facility co-insurance, Part A deductible at 50%, foreign travel emergency
• Plan N: basic benefits, Plan B co-insurance at 100% except office visit co-pays of $20 and ER visits at $50, skilled nursing facility co-insurance, Part A deductible, foreign travel emergency

Medicare Advantage

Some Tennessee residents prefer to enroll in Medicare Advantage for extra coverage including vision, hearing, dental, and/or wellness programs. Medicare Advantage is sometimes called Medicare Part C, and works by replacing Parts A and B of traditional Medicare. Some Medicare Advantage programs include prescription drug coverage, however, unlike traditional Medicare users, Medicare Advantage recipients can only see doctors within preferred networks. This limits your options of providers, but allows you to choose your specific caregivers.

Extra Help Programs

Medicare Part D is the Low Income Subsidy (LIS) program intended for residents who have both Parts A and B and qualify as low-income. If a person is receiving Supplemental Security Income (SSI) or Medicaid, that person is automatically qualified for Part D. Income guidelines in Tennessee are $16,775 for an individual or $22,695 for a couple. If you are wondering which Medicare insurance policy would work best for you, fill out the zip code form to compare plans and rates instantly.

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