Clarksville is one of the largest cities in Tennessee. There are over 110,000 residents participating in Medicare, and about 50% of those Medicare members are enrolled in Medicare Advantage plans.

Clarksville Tennessee Supplemental Medicare Plans

In Clarksville, Tennessee Medicare beneficiaries have their choice of Medicare Supplement plans, Medicare Advantage, and Medicare Part D plans.

Throughout this article, we’ll discuss the cheapest Medicare Part C plans and the most affordable Medicare supplements.

Then, we’ll cover the average cost of Part D prescription plans and what a Special Needs Plan is. Once that is complete, we’ll answer some common questions and explain how you can get help with Supplemental Medicare options.

The information provided below is based on a woman that is 70 years old.

Cheapest Medicare Advantage Plans in Clarksville, Tennessee

A little more than half of the Medicare-aged residents of Clarksville are enrolled in Medicare Advantage plans. Of that, just over 50% of enrollees in Medicare Advantage are female. Beneficiaries have 32 Medicare Advantage options to consider in Montgomery county.

Medicare Advantage plans, also known as Medicare Part C, are all-in-one plans that are handled by private insurance companies. They are another way to get your Medicare benefits. In many cases, these plans roll your Part A and Part B of Medicare into one plan, and most will include your drug coverage and plan extras not covered by Original Medicare.

There are several companies in Clarksville that offer Medicare Advantage plans without a monthly cost. Most notably is Humana. Their HMO not only has the best star rating available but also has the lowest maximum out-of-pocket.

Wellcare has been aggressively expanding its Medicare Advantage footprint and has a zero-premium PPO in the area. Since the plan is new, they have not been assigned a star rating yet.

BCBS of Tennessee has a strong PPO in the area as well. The plan also has a zero-premium and has a 4-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $3,200 HMO 5
Wellcare $0 $6,700 LOCAL PPO N/A
BCBS of Tennessee $0 $6,700 LOCAL PPO 4
UnitedHealthcare $0 $5,900 LOCAL PPO 3
Cigna $0 $6,700 HMO 4

Affordable Medicare Supplement Plans in Clarksville, Tennessee

Medigap plans, or Medicare Supplement plans, will help pay your portion of the Medicare costs. Medicare pays their portion and the Medicare Supplement pays all or some of your cost-share.

These plans are additional plans to Original Medicare and are standardized by the federal government. This means the plans are the same regardless of where you live or who you choose your coverage through. Truly the only difference is the price you pay.

Medicare Supplement plans have letter designations to identify the coverage level. There are 10 plan options but most people elect to enroll in the top three.

Plan F is the most comprehensive and most popular plan. It pays all of your cost-share once Medicare pays its portion. With Plan F you only pay your monthly premium. The plan covers your costs 100%

Plan G is almost the same as Plan F. The only difference is it doesn’t cover the Medicare Part B deductible. Plan G is the most popular plan with beneficiaries new to Medicare.

Plan N is a very good option. It’s similar to Plan G with the biggest difference is once you meet the deductible, you’ll pay up to $20 for doctor visits, and up to $50 for the emergency room. The only other difference is Plan N doesn’t cover excess charges.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $69.36 $244.31
PLAN B $117.45 $305.74
PLAN C $125.27 $368.50
PLAN D $118.33 $265.00
PLAN F $123.62 $370.75
PLAN HDF $28.00 $81.61
PLAN G $99.78 $340.71
PLAN HDG $25.07 $79.90
PLAN K $52.17 $131.42
PLAN L $65.67 $215.87
PLAN M $78.29 $272.34
PLAN N $79.76 $314.96

Average Medicare Part D in Clarksville Tennessee

Medicare Part D plans are stand-alone prescription plans for Medicare beneficiaries. These plans are used when you either stay on Original Medicare or traditional Medicare with a Medicare Supplement

The Average cost of a prescription drug plan is roughly $30s. These plans, like the Part C plans, are administered by private companies such as SilverScript and have different coverage phases for your drug costs.

SilverScript by Aetna has the lowest plan in the area. They have been one of the leading drug plan companies for years. The clients rave about the customer experience.

Clear Spring is a newer company that has had a few bumps in the road. They are dedicated to improving and in many cases, it’s hard to beat their coverage.

UnitedHealthcare is the biggest Medicare plan provider in the United States. They are recommended by AARP and are one of the top insurers in the Medicare arena

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

When it comes to Medicare Part C plans, they really do cater to the beneficiaries’ needs. They have plans that are specifically designed to help people in certain situations, such as low-income and chronic health conditions.

These plans are called Special Needs Plans. There are three different SNP options available.

D-SNP plans are designed for Medicare beneficiaries with low income that also qualify for Medicaid.

C-SNP plans are available for beneficiaries that have certain chronic health care conditions. Some conditions that qualify include COPD, congestive heart failure, diabetes, and other Heart-related conditions.

I-SNP plans are for individuals that are residing in an institutionalized setting.

As you can see below, the DSNP options are the most plentiful in the state. Humana, UHC, and BlueCross have been mentioned above, but also have great Special Needs Plans options.

Amerigroup is a smaller insurance carrier that offers plans in some states. They focus on accessibility for their clients.

Wellcare has quickly jumped to the top when it comes to Medicare providers. In some areas, their DSNP plans even give utility assistance.

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

FAQs

What’s the best Medicare Supplement plan in Clarksville Tennessee?

The plans that offer the most comprehensive coverage are Plans F and G. If you started Medicare after Jan 1, 2022you can’t enroll in Plan F. Plan G is the most popular plan for new Medicare members.

What’s the best Medicare Advantage plan in Clarksville, Tennesee?

Humana has the highest-rated plan in Clarksville. They have a 5-star rated HMO with a zero-dollar premium.

How much is a Medicare Supplement in Clarksville, Tennessee?

Medicare Supplements can vary in price due to a variety of factors. The price is also different depending on the Plan Letter you choose. Below is the price range for the top three plans.

  • Plan F is $123 to $371
  • Plan G is $100 to $340
  • Plan N is $80 to $314

How to Sign Up for Supplemental Medicare in Clarksville, Tennessee

Clarksville has many options to choose from, but which option is best for you? That’s where we come in.

We can assist by making sure you understand all parts of the Medicare process, your options, and what’s needed to ensure you have your needs met. In addition, our licensed brokers can assist you with checking your prescription and doctors.

We’ll even help you through the enrollment process. We can help you with anything you need regarding Medicare.

For assistance with understanding your options, and what you qualify for simply give us a call. If now isn’t the best time, fill out our online request form, and we’ll have someone that specialized in Medicare reach out to you.

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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.