Tennessee is an affordable and beautiful state to retire to. Full of nature and music, many Medicare beneficiaries settle on Tennessee as a retirement location. The state is home to more than 800,000 beneficiaries with more than half enrolled in Medicare Advantage plans. There are 573,746 Medicare participants enrolled in Medicare Part C.

How Medicare Advantage Plans Work in Tennessee

Medicare Advantage plans are referred to as Medicare Part C. These plans are all-in-one plans that are administered by private health insurance companies such as Humana, UnitedHealthcare, and Wellcare.

When you enroll in one of these plans you are essentially putting your Traditional Benefits on hold and your benefits are now handled by the Medicare Advantage company.

These plans must cover the same benefits as Original Medicare, but in many cases include your drug coverage and additional benefits not covered under Medicare.

Since these plans are administered by different companies their benefits will vary depending on where you live and the plan you choose.

It’s best to take a look at the summary of benefits to ensure you’re getting the plan that’s best for your needs.

Medicare Advantage Plans Offers in Tennessee

As we mentioned above, these plans are different depending on where you live and which insurance carrier and plan you choose. Most counties in Tennessee offer between 26 and 50 plans in each area. The information located in the illustrations shown below is based on one specific zip code. The plans available to you may vary slightly.

We’ll cover what a Medicare Advantage is, and which plans have options without a premium. Then, we’ll go over which plans don’t include a deductible for prescriptions and 5-star rated plans.

Next, we’ll talk about plans that reduce the amount you pay for the Part B premium, and the additional benefits that are included. Finally, we’ll answer some frequently asked questions and how to get help choosing a Medicare Advantage plan.

Medicare Advantage Plans with a Zero Dollar Premium in Tennessee

An insurance plan with a zero-dollar premium sounds too good to be true, but remember these are part of the Medicare program. These may or may not be the right plan for you. Plans with a zero-premium may have higher costs in other areas. Make sure you review the coverage documents to ensure you understand the cost and benefits.

Wellcare is one of the premier Medicare Advantage companies. They have really started to become a household name along with Humana and UnitedHealthcare in the Medicare space.

Cigna is one of the most storied and stable insurance companies. They offer great plans in the Medicare market. In Tennessee, their zero-premium plan has a 4-star rating.

BCBS of Tennessee is the Blue Cross Blue Shield affiliate in Tennessee. Most people have been enrolled with BCBC throughout their lifetimes. They are a great company and this extends to their Medicare arm.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Wellcare $0 $4,500 HMOPOS 3
Cigna $0 $5,900 HMO 4
BCBS of Tennessee $0 $6,700 LOCAL PPO 4
Humana $0 $5,900 HMO 5
Ascension Complete $0 $2,900 HMO N/A

Medicare Advantage Plans with a Zero Dollar Drug Deductible in Tennessee

Medicare Advantage plans to follow the standard drug coverage phases. This means they are allowed to have a deductible for prescription coverage. While some plans include a deductible for some or all prescription tiers, not all charge a deductible.

Wellcare’s HMO-POS is an example of a Medicare Advantage plan that doesn’t have a deductible. You’ll notice they have a reasonable maximum out-of-pocket as well.

Ascension Complete is a relatively small Medicare Advantage company. They are new to the area which is why they don’t have a star rating assigned to the HMO shown. They have the lowest maximum out-of-pocket plan without a deductible.

BCBS of Tennessee gives you access to a PPO plan without a deductible.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Wellcare $0 $4,500 HMOPOS 3
Cigna $0 $5,900 HMO 4
BCBS of Tennessee $0 $6,700 LOCAL PPO 4
Humana $0 $5,900 HMO 5
Ascension Complete $0 $2,900 HMO N/A

Medicare Advantage Plans with a 5-Star Rating in Tennessee

Medicare Part C and D plans are graded by their star ratings. When a company has the highest rating of five stars, they are allowed to enroll members year round. If you are looking to add or change a Medicare Advantage plan outside of the regular enrollment periods, you can consider the 5-star plan in your area.

Humana is one of the largest providers of Medicare Advantage plans in the nation. In this area, they have a 5-star HMO with not only a zero premium but also without a prescription deductible. Humana is always a solid choice when it comes to your Medicare plan.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Humana $0 $5,900 HMO 5

Part B Reduction

Part B reduction plans are called giveback plans. These plans are not available in all areas, and the giveback amount is different for each plan that offers them. Just like we mentioned above about the zero-premium plans these plans could have higher copays and out-of-pocket costs. Make sure you review your summary of benefits.

Ascension Complete offers the largest reduction amount. Their plan reduces what you pay for your Medicare PArt B by $100 a month. That’s $1,200 a year in savings.

Wellcare has a few options for lowering your Part B premium. Their plans can help lower your Part B premium by $40 or $45 depending on the plan you choose.

BCBS of Tennessee also provides a giveback plan. Their plan has a higher star rating than either of the Wellcare options and reduced your Medicare premiums by $40 a month.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
Wellcare $0 $4,500 $40.00 3
Wellcare $0 $6,700 $45.00 3
BCBS of Tennessee $0 $4,900 $40.00 4
Ascension Complete $0 $2,900 $100.00 N/A
Humana $0 $3,400 $6.00 3

Ancillary/DVH

One of the biggest attractions of a Medicare Advantage plan is the additional benefits that are available. Medicare doesn’t cover anything that isn’t considered medically necessary. This means services such as dental, vision, and hearing co-pays are not included.

Medicare Part C plans usually will include these types of benefits. In addition, you could find plans that offer benefits such as gym memberships, food allowances, over-the-counter benefits, utility assistance, and more.

Just remember not all plans will offer all benefits, you can check the evidence of coverage or the summary of benefits to see what additional benefits the plan includes.

Cities in Tennessee with Estimated Premiums for Medigap Coverage

Medigap plans in Tennessee are popular and help a lot of people. Below, there are charts for some of the most populated cities in the state:

FAQs

Does Tennessee have Medicare Advantage plans?

Tennessee has a variety of Medicare Advantage plans. The majority of counties have 25 to 50 available plans. Plan options include HMO, PPO, HMO-POS, SNP, and PFFS style plans.

What’s the average cost of a Medicare Advantage plan in Tennessee?

There is a ton of Part C plans in Tennessee that have a zero-premium. The average cost overall is around $20 a month.

Does Humana have Medicare Advantage plans in Tennessee?

Yes! Humana has a handful of Medicare Advantage plan options in Tennessee. They also have 5-star rated plans in some areas, as well as plans with a zero-premium.

How to Get Help Enrolling in a Tennessee Medicare Advantage Plan

With so many plans available and all with different coverage options and costs, it’s wise to enlist help deciphering what’s available to you.

Our licensed insurance brokers are specialists in all things related to Medicare. We can help you determine which plans cover the benefits you want. Can help with a cost and needs analysis to see which plans will fit your budget and needs properly.

We’ll help you every step of the way. For assistance with Medicare plans give us a call, or fill out our online request form. We’ll be happy to assist you with any questions, concerns, or help you need.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.