Best Medicare Supplement Plans in Tennessee for 2019

Most beneficiaries in 2019 will choose their best Medicare Supplement plan in Tennessee after they’ve enrolled in Medicare Part A and Part B at the age of 65. Some may qualify to sign up at an earlier age due to disability, but enrollment in Original Medicare must always come first. If you delay enrollment in Part B because you have employer health insurance when you turn 65, you will have the opportunity to sign up for Tennessee Medigap policies in 2019 once you retire and sign up for Part B.

Best Medicare Supplement Plans in Tennessee for 2019: Overview

Medicare Supplement plans in Tennessee cover your out-of-pocket health care costs after your Original Medicare benefits are applied. As a beneficiary of Medicare Supplement insurance plans in Tennessee, you may benefit from some or all of the following 2019 Medicare coverage options:

  • Home health care
  • Medicare Part B deductible
  • Medicare Part A deductibles
  • Part B excess charges
  • Medicare Parts A and B coinsurance
  • Medicare Parts A and B copayments
  • Skilled nursing facility care
  • Preventive care
  • Hospice care
  • Medical care while traveling abroad

The best Tennessee Medicare Supplement insurance plans will allow you to pay one monthly premium to cover a long list of expenses that Original Medicare beneficiaries often pay out of pocket for 2019. That simplifies your health plan while ensuring that you receive your full Medicare benefits. The extended benefits allow you to travel nationally and internationally without losing access to quality health care.

Selecting the best Medicare Supplement plan in Tennessee is a personal adventure. When you learn how to compare rates online and apply at the right time, you can maximize Medigap coverage while receiving the best premiums available in your area of Tennessee.

Best Medicare Supplement Plans in Tennessee: Enrollment Statistics

  • The largest counties in Tennessee are Shelby County, Davidson County, Knox County, Hamilton County and Rutherford County.
  • There were more than 1.3 million Tennessee Medicare beneficiaries in 2018. Data for 2019 was not available at the time this article was written.
  • In 2018, approximately 500,000 Tennessee residents were enrolled in Medicare Advantage plans.
  • In December 2016, approximately 290,000 beneficiaries were enrolled in Medigap plans in Tennessee.
  • Medicare Plan F was the best option for many as it’s the most popular Tennessee Medigap plan in December 2016.

How Many Medicare Supplement Plans are Available in Tennessee for 2019?

There are 10 standardized Medicare Supplement insurance plans in Tennessee. You may also have the option to purchase a high-deductible plan that lowers your premium while allowing you to pay more out of pocket. Medicare Supplement plans in Tennessee are designated with letters beginning with Medicare Plan A. Each lettered plan offers a standardized list of benefits.

Each Medicare insurance company will offer the same benefits for 2019 for each Tennessee Medigap plan, but they compete with their rates. You can compare the best rates online to find the most affordable insurance company for your chosen plan type. Determine the best plan for your personal needs, and then compare rates offered in your area from leading insurance carriers.

When selecting the best Medicare Supplement plan in Tennessee, think about your current medical needs and possible changes in years to come. Medigap plans in Tennessee all have their advantages and disadvantages.

For instance, Medicare Plan G doesn’t cover the Medicare Part B deductible. Medicare Plan N covers Medicare Part B coinsurance charges but also assesses a small copayment. Even the best Medicare Supplement plan in Tennessee for 2019 won’t include a prescription drug plan. You can sign up for Medicare Part D drug plans after enrolling in Parts A and B.  Stand-alone prescription drug coverage options can be compared by visiting

The Best Companies for Medicare Supplement Plans in Tennessee for 2019

These are some of the best companies for Medigap plans with competitive Medicare Supplement rates in Tennessee for Plan G and Medicare Plan F:

Here’s what we love about these companies:

  • Their 2019 rates are some of the most competitive in the industry.
  • They all have “A” ratings or higher for financial backing.
  • They are known for paying out their claims on time.

Keep in mind that Medicare Supplement plans and Medicare Advantage plans are not the same.  Medicare Advantage plans replace your Original Medicare benefits while you’re on the plan.  If you need help sorting through which option might be right for you, contact one of our insurance agents using the phone number listed at the top of this page.

Best Medicare Supplement Plans in Tennessee: When Can I Enroll?

You have three options when applying for Medicare Supplement plans in Tennessee. Your choice could impact your rates for the rest of your life, so select the best option that works in your favor long term.

1. Medigap Open Enrollment Period

This six-month period starts the first day of the month in which you turn 65. If you qualify for Medigap plans in Tennessee at a younger age due to disability, your open enrollment period will start the day that your Medicare Part B is active.

When you sign up for Tennessee Medigap plans during your initial enrollment period, you receive some valuable guaranteed issue rights:

  • The insurance company cannot ask questions regarding your health when determining your rates. You’re likely to receive the best premiums when you take advantage of this open enrollment period.
  • The insurance carrier must accept you into any Medigap policy available in your area at the time you apply. You have full access to all Medicare Supplement plans in Tennessee for 2019.
  • Your policy will remain active as long as the plan is offered in your area by your chosen insurance carrier and you pay your premiums on time.
  • You’re protected from rate increases based on your changing health condition. There are other factors that may trigger a rise in premiums in your area.

2. Special Medigap Enrollment Periods

If you delay Part B enrollment because you already have health care coverage when you turn 65, you won’t have the option to enroll in Medicare Supplement insurance plans in Tennessee until you sign up for Part B. Once you lose your private health care policy, you should qualify for a special enrollment period that gives you the same guaranteed issue rights offered during your initial enrollment period.

There are other circumstances that may qualify you for a special enrollment period. For instance, if your plan is no longer offered by your insurance carrier or you move out of your plan’s covered area, you will have the opportunity to select a new policy.

3. Any Time Enrollment

You can apply for the best Medigap plans in Tennessee at any time. You just won’t receive the guaranteed issue rights outside of the initial or special enrollment periods. The insurance company will have the option to deny you coverage due to pre-existing conditions, and they will consider your medical history when determining your 2019 rates.

Tennessee Medicare Resources

Many organizations, as well as the state and federal government, provide help programs for those with certain health conditions as well as those needing financial assistance.  Below are a few options: