Chattanooga, Tennessee, has a low cost of living that seniors on Medicare are flocking to. The mild climate and lower costs allow retirees to live on a fraction of what they would pay in other areas.

Currently, 151,656 Medicare beneficiaries live here and that number is expected to grow as more baby boomers retire.

Chattanooga, Tennessee Supplemental Medicare Plans

Chattanooga is the fourth largest city in Tennessee, with affordable Medicare Advantage plans and the cheapest Medigap options.

Then, we’ll go over the average cost of Medicare prescription drug coverage and special needs plans. In conclusion, we’ll discuss some common questions and how to get help with choosing the right Medicare option for you.

All costs below are based on a 65-year-old male. The cost could vary depending on where you live and other factors.

Affordable Medicare Advantage Plans in Chattanooga, Tennessee

Chattanooga is spread over two counties, Hamilton and Marion. Tennessee Part C benefits and options can vary depending on zip code and county so it’s important to review the summary of benefits before choosing a plan.

Medicare Advantage plans allow you to receive your Medicare benefits in an all-in-one plan that usually includes prescription coverage as well as, benefits not offered by Original Medicare. There are over 66,000 Medicare beneficiaries in Chattanooga enrolled in a Medicare Advantage option. Depending on where you live you could have as many are 50 Medicare Advantage plans to choose from.

Aetna has one of the highest-rated PPOs in Chattanooga. In addition, it also has a zero-premium plan. Aetna is known for its large doctor’s network and ease of access to care when you’re traveling with its PPO options.

Amerigroup is a smalled Medicare Advantage company. They are more of a regional carrier as they are not in every state. They have a great zero-premium HMO-POS that allows for some services out of network.

Humana stands out below, as their PPO has the lowest maximum out-of-pocket. Humana is one of the most renowned Medicare providers in the nation.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $7,500 LOCAL PPO 4
Amerigroup $0 $4,900 HMOPOS N/A
Humana $0 $3,400 REGIONAL PPO 3
BCBS of Tennessee $0 $5,700 LOCAL PPO 4
Wellcare $0 $6,700 LOCAL PPO N/A

Cheapest Medicare Supplement Plans in Chattanooga, Tennessee

When it comes to affordable Medicare Supplement options, there are not many places that match the affordability of Chattanooga.

Medicare Supplement plans do have an additional premium on top of Original Medicare. These plans help fill in the cost gaps that Medicare doesn’t pay. They are sometimes referred to as Medigap and have 10 plan options you can choose from.

Plan F covers all your gaps in Original Medicare. It’s the most popular plan, but you can only enroll in Plan F if you were eligible for Medicare before 2021. This is also the most expensive option. Plan F does have a lower-cost high-deductible option called the HDF.

Plan G is the same coverage level as Plan F with one difference: Plan G doesn’t cover the small annual Medicare Part B deductible. Once this is met the plan coverage works the same as Plan F. Similar to the F, Plan G also has a higher deductible option designated the HDG.

Plan N rounds out the top three. It’s the most bang for your buck. With premiums considerably lower than Plan F and coverage similar to the G, it’s a solid Medigap plan option.

The difference between its coverage and that of the Plan G is that in addition to the Part B deductible, you have a manageable copay for doctor visits and the emergency room. Plan N also doesn’t cover excess charges, but they are very easy to avoid.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $59.59 $238.75
PLAN B $127.37 $336.25
PLAN C $133.33 $415.75
PLAN D $119.08 $219.00
PLAN F $128.29 $418.00
PLAN HDF $23.00 $78.28
PLAN G $107.01 $384.18
PLAN HDG $23.00 $76.35
PLAN K $55.18 $138.62
PLAN L $71.17 $243.62
PLAN M $81.33 $243.47
PLAN N $81.41 $355.17

Average Medicare Part D in Chattanooga, Tennessee

Neither traditional Medicare nor Medigap plans cover prescription drugs. The only way to get drug coverage with Medicare is either an all-in-one Part C plan or a stand-alone Part D plan.

Both have the same standard structure outlined by the Centers for Medicare and Medicaid Services. This coverage is for the prescriptions you pick up from the pharmacy.

When you are talking about the top prescription coverage, SilverScript by Aetna is always in the conversation. As you can see below they have the most affordable premium for their prescription drug plan.

Making leaps and bounds and becoming a well-known Medicare provider is Wellcare. They have the second-lowest premium at just under $13 a month.

Clear Spring comes in third. Despite a lower star rating, they have solid coverage for certain prescription drugs.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.50 $480 3
Wellcare $12.90 $480 3
Clear Spring $16.30 $480 2
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Chattanooga, Tennessee

Medicare Part C has plans that are specifically designed for beneficiaries that have extraordinary needs. These Special Needs Plans help people that are low-income, have certain chronic health conditions or are living in an institutionalized setting.

The plans for low-income beneficiaries that also qualify for Medicaid are called Dual Special needs plans or D-SNPs. If you have a chronic health condition like diabetes, COPD, or heart disease, you may qualify for a Chronic Special Needs Plan or C-SNP. For institutionalized Medicare beneficiaries, they can qualify for an Institutionalized Special Needs Plan or I-SNP.

UnitedHealthcare is the leader when it comes to Medicare plans throughout the nation. They have more clients on their plans than any other company. They have solid D-SNP plans in nearly every area of the United States.

Bluecare Plus is part of BCBS of Tennessee. They are a well-known company not only in Medicare but also for group and individual plans.

Wellcare is one of the leaders when it comes to additional benefits for its dual-eligible members. They have quickly become one of the premier Medicare Advantage companies nationwide, and here in Chattanooga, there is no exception.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMO Dual
Bluecare Plus $0 $7,550 HMO Dual
Wellcare $0 $3,400 HMO Dual
Amerigroup $0 $7,550 HMO Dual
Humana $0 $3,450 HMO Dual

FAQs

Does Humana cover Chattanooga Tennessee?

Yes! Humana offers Medicare Advantage, Medicare Drug Plans, and Medicare Supplements in Chattanooga, Tennessee. They are one of the largest nationwide Medicare plan providers.

Does Aetna offer prescription coverage in Chattanooga, Tennessee?

Aetna’s drug plans are through their Subsidy of SilverScript. SilverScript has been one of the top-running Medicare prescription drug companies for several years. They have the lowest-cost drug plan in Chattanooga at $6.50.

What’s the most affordable Medigap plan in Chattanooga, Tennessee?

Plan N is the most affordable Medicare Supplement plan in Chattanooga. It gives a great level of coverage for a reasonable monthly premium. It starts at just over $80 for someone that’s 65 years old.

How to Sign Up for Supplemental Medicare in Chattanooga, Tennessee

Signing up for Supplemental Medicare coverage isn’t hard if you understand the coverages and process. Unfortunately, most people get overwhelmed. However, we can help you to understand Medicare and your supplemental coverage options.

In addition, our licensed insurance experts can assist you with making sure all your needs and wants are addressed. Best of all, our agents’ time and expertise are free of charge to you!

Give our agents a call today. Or simply fill out our online request form to get connected with the best rates in your part of Chattanooga!

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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.