Medicare Supplement Plans in Tennessee

Steven Mott by Steven Mott | Licensed since 2012
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This article was updated on: 11/01/2018

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If you’re on Medicare in Tennessee, you’ve probably noticed that even though it pays for a lot of your health care, sometimes there are still costs you have to pay. You might want to take a look at Medicare Supplement plans in Tennessee to see if they’ll help with your Medicare costs.

What are Medicare Supplement plans in Tennessee?

When you go to the doctor or stay in the hospital under Original Medicare (Part A and Part B), you may have to pay the Part A and/or Part B deductibles. Once you’ve paid the deductible(s), you have to pay a coinsurance amount or a copayment for many types of services.

Medicare Supplement plans in Tennessee (as in all states) typically help pay for certain out-of-pocket costs, like that coinsurance mentioned above.

In 47 states, including Tennessee, there are up to 10 standardized Medicare Supplement plans, each named with a letter (Medicare Supplement Plan A, Plan B, Plan C, and so on up to N). Each lettered plan has its own set of basic benefits. For example, Medicare Supplement Plan A (not to be confused with Medicare Part A) doesn’t cover the Medicare Part A or Part B deductible. Plan C may cover both deductibles.

How much do Medicare Supplement plans in Tennessee cost?

Medicare Supplement insurance is available from private companies. Each Medicare Supplement plan in Tennessee comes with a monthly premium – this cost will vary among plans and insurance companies.

Insurance companies can choose to price their Medicare Supplement plans in Tennessee (or other states) in any of three ways.

  • Attained-age rated: Premium is based on your present age – goes up as you get older
  • Issue-age rated: Premium is based on your age when you buy the policy. The premium doesn’t go up as you get older because of your age, but it might go up due to inflation or other reasons.
  • Community-rated: Premium is generally the same for everyone regardless of age. The premium doesn’t go up as you get older because of your age, but it might go up due to inflation or other reasons.

To find out how much Medicare Supplement plans in Tennessee cost, just enter your ZIP code in the box on this page and click the button. There’s no obligation to buy.

When can I buy a Medicare Supplement plan in Tennessee?

Unlike other types of Medicare coverage options, you can apply for a Medicare Supplement plan in Tennessee anytime. You just need to be age 65 or older, and enrolled in Medicare Part A and Part B. But there is an enrollment period you might be interested in, because during that period you can get a Medicare Supplement plan in Tennessee no matter what health problems you may have. These rules are the same nationwide.

If you buy a Medicare Supplement plan in Tennessee during your Medicare Supplement Open Enrollment Period (OEP), you have guaranteed-issue rights to buy a plan. The OEP is a six-month period, starting the first month that you’re both at least 65 years old and enrolled in Medicare Part B. This is when an insurance company can’t charge you more or deny you a policy.

Let’s say you decide not to get a Medicare Supplement plan in Tennessee during your OEP, but then a couple years later, you find yourself seeing your doctors and specialists often to treat a health condition. A Medicare Supplement plan may really come in handy to help cover your Part A and/or Part B out-of-pocket costs. You can certainly apply for a plan, but the insurance company is allowed to review your medical history and decide whether or not to accept you as a member. Your premium might be higher than it may be for healthier members. There may be some cases that would qualify you for guaranteed-issue rights outside your OEP.

Want to learn more about Medicare Supplement plans in Tennessee? I can talk with you by phone at a time that’s convenient for you, or I can send you an email with more information. Follow the links below to do that. And remember, you can explore plans in your area anytime by using the Find Plans button on this page.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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