Clarksville is one of the largest cities in Tennessee. Over 110,000 residents are 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.
This article will 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’s 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’s 70 years old.
Cheapest Medicare Advantage Plans in Clarksville, Tennessee
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 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.
Several companies in Clarksville offer Medicare Advantage plans without a monthly cost. The most notable 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 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 its 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 ten plan options, but most people 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 program 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 most significant 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. Like the Part C plans, these 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 with a few bumps in the road. They are dedicated to improving, and it’s hard to beat their coverage in many cases.
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 programs 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 low-income Medicare beneficiaries who qualify for Medicaid.
C-SNP plans are available for beneficiaries that have certain chronic healthcare conditions. Some qualifying conditions include COPD, congestive heart failure, diabetes, and other heart-related diseases.
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 they 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 January 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, but which option is best for you? That’s where we come in.
We can assist by ensuring you understand all parts of the Medicare process, your options, and what’s needed to ensure your needs are 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, please call us. If now isn’t the best time, fill out our online request form, and we’ll have someone that specializes in Medicare reach out to you.
