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Tennessee Medicare Plans

Tennessee Medicare plans are best when combined with a Supplement and/or Part D plan. Original Medicare can leave behind thousands in out-of-pocket expenses for some beneficiaries. All these different combinations can be confusing. This is why it’s best to work with a Medicare agent to assist you in finding the best plan for your healthcare and budgetary needs. 

Tennessee Medicare plans open enrollment

Your open enrollment period begins three months before your 65th birthday and continues for three months following your birthday. This is also the best time to enroll in a Supplement as you cannot be denied coverage based on your current health. 

While you are able to enroll in a Supplement at any time during the year, you will be required to complete a health survey and can be declined based on your pre-existing health conditions. 

Medigap Plans

The Medicare plans in Tennessee are best when combined with a Supplement. Original Medicare leaves behind coinsurance and deductible costs. You may have additional costs as Original Medicare only covers about 80% of outpatient costs. 

A Supplement can put a cap on out-of-pocket spending. Another benefit is you can see any doctor that accepts Medicare. 

There are ten standardized plans lettered A-N. Similarly, lettered plans offer similar cover, the only difference being the cost. It is so important to compare and shop the best plan for your healthcare needs and your budget. We offer a service to assist you with this process that free!

If you were enrolled in Medigap plans C or F before  2019, you could remain enrolled in those plans; however, new beneficiaries cannot enroll in those two plans. 

Medicare Advantage Plans

Advantage plans or Part C plans are private insurance plans that offer all the benefits or Original Medicare and offer additional benefits as well. These additional benefits include coverage for dental, vision, and prescription drug coverage. In Tennessee there are 37 different Advantage plans depending on which county you live in. 

If you are currently enrolled in a Part C plan you’re open enrollment to make any changes to your plan begins on January 1st and extends through March 31st. At this time you may also choose to enroll in Original Medicare. 

Medicare Part D

If you need prescription drug coverage you may want to enroll in a Part D plan. These plans limit your out-of-pocket expenses at the pharmacy. Original Medicare and Supplements do not provide this coverage, so Part D plans are popular choices among beneficiaries. In Tennessee there are 29 Part D plans. 

How we can help

Remember, all plans provide standardized coverage, and the only difference is the cost. Our Tennessee licensed agents are ready to help you shop these plans to create the best combination of coverage for your needs and your budget. We offer this service at no cost to you. Reach out today and allow us to assist you through this enrollment process. 

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