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Medicare Advantage Plans in Tennessee


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How Tennessee Medicare Advantage plans work

Medicare Advantage plans are an alternative way to get Original Medicare (Part A and Part B) benefits. When you enroll in a MA plan, you transition from Original Medicare to a private health insurance plan. The government requires these plans to offer at least the same level of coverage as Original Medicare, but many include other benefits as well, such as routine vision, dental, or prescription drug benefits.

Some Medicare Advantage plans are targeted for specific diseases, known as Medicare Special Needs Plans (SNPs) . Some SNPs may be available in Tennessee. These plans design their benefits, prescription drug formularies, and provider networks to best serve people with a certain illness.

Medicare Advantage plan statistics for Tennessee

In Tennessee, there were over 500,000 enrollees in Medicare Advantage plans in the first quarter of 2018, according to the Center for Medicare & Medicaid Services. This was about 37% of the state’s Medicare population.

Medicare Advantage plans with prescription drug coverage

Some Medicare Advantage plans, called Medicare Advantage Prescription Drug plans (MAPDs), offer prescription drug coverage along with Medicare Part A and Part B benefits. With these plans, you don’t need to enroll in a separate Medicare Part D Prescription Drug Plan on top of your health insurance.

Comparing Medicare Advantage plans in Tennessee

As you search for a Medicare Advantage plan, there are a few points you should keep in mind. The plan options you’ll have available depend on where you live in the state, as each county has a different set of Medicare Advantage plans. The price of a plan also depends on which county you live in.

You’ll need to decide whether you want Part D prescription drug coverage as part of your Medicare Advantage plan. Many plans add this benefit along with health insurance so you won’t have to enroll in a separate Part D Prescription Drug Plan. Just be sure to review a plan’s prescription drug formulary before enrolling to make sure it includes the medications you need.

As you compare plans, it’s also important to find a fair premium. Some Medicare Advantage plans require a $0 premium, meaning it doesn’t cost anything to enroll (although you are required to keep paying your Part B premium). Be sure to consider the fee structure, as plans with lower premiums often charge higher copayments and deductibles.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or copayments/co-insurance] may change on January 1 of each year.

The formulary may change at any time. You will receive notice when necessary.

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