Medicare Supplement Plans in Tennessee

Tennessee Medicare
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What is a Medicare Supplement plan?

A Medicare Supplement plan in Tennessee covers some of the costs not provided by Original Medicare (Part A and Part B). These costs might include copayments, deductibles, and other out-of-pocket expenses. A Medicare Supplement plan, also referred to as a Medigap plan, is designed to work with Original Medicare to cover some of these expenses.

Some Medicare Supplement plans in Tennessee might also offer coverage not included with Original Medicare, such as coverage in foreign countries or for hospice care. Medigap plans do not include prescription drugs in their coverage. If you are interested in adding prescription drug coverage to your coverage, you may want to consider enrolling in a Medicare Part D plan .

Choices in Medicare Supplement plans in Tennessee

In 2012, there were 10 different Medicare Supplement plans available in Tennessee, as well as a high-deductible plan with a lower monthly premium. Each plan type is designated with a letter of the alphabet. Plans are standardized by Medicare, so that every plan that falls under a specific letter type will offer identical coverage.

For example, a Medicare Supplement Plan A will include the exact same coverage no matter what company is offering the plan. Cost of the plan may vary from company to company and county to county within the state. In addition, a Plan C or F will differ from a Medicare Supplement Plan A in terms of both coverage and costs.

Selecting Medicare Supplement Plans in Tennessee

In 2012, more than 30 companies offered Medicare Supplement plans in Tennessee. Not every plan was available from every company providing Medicare plans in the state. In addition, the monthly premiums for each plan could vary from company to company. Keep in mind that lower monthly premiums may result in higher out-of-pocket expenses for medical services, so consider both variables when comparing the overall cost of a plan.

If you are interested in a Medicare Supplement plan in Tennessee, it is helpful to become familiar with the different plan types so that you can choose the best plan type for your specific needs. Once a plan type is selected, you can compare plans between various companies to find the one that fits within your budgetary guidelines. Keep in mind that costs will also vary from county to county within the state, so a Part A plan in Shelby County might have a different premium than the same plan in Montgomery County.

Data provided by the State of Tennessee Department of Commerce and Insurance

Medicare has neither reviewed nor endorsed this information.