Everyone knows that Nashville is a thriving city and the heart of country music. It’s also home to many Medicare beneficiaries and retirees. Nashville has affordable living, with a big city feel that attracts individuals looking to retire and enjoy their time. There are 530,405 residents enrolled in Medicare Parts A and B

Nashville, Tennessee Supplemental Medicare Plans

Today, we’ll discuss the average Medicare Advantage plan costs and the most affordable Medicare Supplement plans. Next, we’ll cover the cheapest Part D prescription plans, and special needs plan options. Finally, we’ll answer some common questions, and how to get help with supplemental Medicare options in Nashville.

The information provided is assuming a 65-year-old man living in Nashville. Your actual prices and plan availability could be different based on a variety of factors.

Average Medicare Advantage Plans in Nashville, Tennessee

Medicare Advantage plans to take over for Original Medicare. These plans cover your Medicare Part A, B, and in many cases Part D benefits. In addition to getting all your Medicare benefits in an all-in-one plan, they can also provide additional benefits that aren’t covered by Original Medicare.

Davidson county has more than 40 Medicare Advantage options available to its residents.

Just over 40% of all Medicare members in Nashville are enrolled in Medicare Part C.

Ascension has one of the most affordable Medicare Advantage plans in the area. They are a smaller, regional company, but have the lowest out-of-pocket maximum in Davidson county. Their plan is fairly new to the area, hence no star rating yet.

Humana has the highest rating of a plan you can receive. Their HMO has a 5-star rating and a zero-dollar premium. Humana is one of the top Medicare plan providers in the nation.

Cigna’s PPO Medicare plan has a lower maximum out-of-pocket than the other similar plan options. Cigna is one of the oldest insurers in the industry.

PLAN PREMIUM MOOP Plan Type Star Rating
Cigna $0 $5,900 LOCAL PPO 3
Humana $0 $5,900 HMO 5
Ascension $0 $2,900 HMO N/A
BCBS of Tennessee $0 $6,700 LOCAL PPO 4
Clover Health $0 $7,550 LOCAL PPO 3

Affordable Medicare Supplement Plans in Nashville, Tennessee

The other route beneficiaries go when they enroll in Medicare is a Medigap plan. These plans supplement Traditional Medicare to help cover your portion of the costs. These plans essentially pay the costs you would normally be responsible for.

The majority of enrollees choose one of the top three plans. Medicare Supplement plans are standardized by Medicare. This means the coverage is exactly the same no matter where you live, or who you enroll in. The only difference is the price.

The most popular plan is Plan F. If you were eligible for Medicare prior to 2020 you can still enroll in this plan. Plan F covers all of your portion of the Medicare cost-share. If you’re looking to save a little on the monthly premium you can consider the high deductible version, the HDF.

New Medicare members prefer Plan G. This option has the exact same coverage level as Plan F, except you’re still responsible for the Part B deductible. Similar to the F there is a high deductible option called the HDG.

The most affordable plan, and the one that many financially savvy seniors are choosing, is the Plan N. Plan N is similar to the Plan G. The main difference is that in addition to the Part B deductible, you’re responsible for copays of up to $20 to visit the doctor or $50 for an emergency room visit.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $59.59 $238.75
PLAN B $127.37 $336.25
PLAN C $145.33 $415.75
PLAN D $124.38 $242.00
PLAN F $128.29 $418.00
PLAN HDF $25.00 $78.28
PLAN G $107.01 $384.18
PLAN HDG $25.00 $76.35
PLAN K $55.18 $138.62
PLAN L $74.08 $243.62
PLAN M $88.65 $243.37
PLAN N $81.41 $355.17

Cheapest Medicare Part D in Nashville, Tennessee

Prescription drugs are an important part of your healthcare. Neither Traditional Medicare nor Medicare Supplements include coverage for prescriptions you get from the pharmacy. Most people get their drug coverage from either a Medicare Advantage plan or a stand-alone prescription plan.

Part D is the stand-alone prescription plan that you add to your Original Medicare, or Medigap plan to get your scripts covered. These plans must be as good as the model created by the Center for Medicare and Medicaid Services. These plans can have better coverage than the standard model.

Medicare has outlined a four-phase model that plans are required to follow. As you pick up your drugs throughout the year, you will move through these phases. They are the deductible, initial coverage, coverage gap AKA the donut hole, and the catastrophic.

Cheapest isn’t always the best, but in many cases, it can be. Aetna’s drug coverage brand SilverScript is one known as one of the top plans when it comes to prescription coverage. They even have a plan with a premium of under $7.

Next, we have Wellcare. They are one of the most recognizable names in Medicare insurance. Over the past few years, they have solidified themselves as a premier Medicare plan provider.

In third place, we have a new insurance company, Clear Spring. Their drug plans have competitive copays and costs for many prescriptions. They have a below-average star rating but are working on improving those aspects.

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

Unfortunately, we don’t get healthier as we age. May retirees have chronic health conditions and struggle financially. Medicare Advantage plans have Special Needs Plans to help individuals in these situations. An SNP will have benefits that cater to beneficiaries with certain extraneous circumstances.

There are three different Medicare SNP options.

Plans that are designed for chronic health issues are referred to as C-SNP plans. These chronic special needs plans usually have additional coverage and benefits to further assist with the needs of these conditions. Some conditions that have special needs plans available are COPD, heart disease, and diabetes.

If a Medicare beneficiary has Medicare and Medicaid they can qualify for a D-SNP. The dual special needs plans have low to no copays for services, and usually have additional benefits to help people with low-income with day-to-day items like food.

Some beneficiaries are living in an institutionalized setting. These individuals will qualify for an I-SNP plan. Institutional special need plans have benefits that cater to beneficiaries living in an institution.

As you can see most of the top SNP plans in Nashville are D-SNPs. Wellcare has one of the top D-SNPs. In some areas, they even assist with utility assistance.

Bluecare Plus is part of Blue Cross Blue Shield. BCBS is one of the leaders in the healthcare industry. While many BCBS plans involve people under 65, they also have a presence in the Medicare Market.

UnitedHealthcare also provides SNP plans in Nashville. Endorsed by AARP, they are the largest Medicare plan providers in the US.

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

FAQs

How do I know if I qualify for a SNP in Nashville, Tennessee?

Not all special needs plan types are available in all areas. You must have either low income, a chronic condition, or be living in an institution to enroll in an SNP plan. You should speak with a licensed agent to verify if you qualify for an SNP in your area.

How do I know if I am choosing the best drug plan in Nashville, Tennessee?

The best drug plan for you will depend on your prescriptions. If you’re not taking any then you can’t go wrong with SilverScript’s $7 a month plan. Check with a licensed insurance professional to find out which plans fit your prescription needs.

What’s the best Medicare Supplement plan in Nashville, Tennessee?

When it comes to which plan is best, that depends on your situation. Most beneficiaries enroll in Plans F, G, or N. These plans offer the best coverage for the price points offered.

How to Sign Up for Supplemental Medicare in Nashville, Tennessee

When it comes to supplemental Medicare options, there is no shortage of options in Nashville. While it’s great to have options, sometimes that can make decisions more difficult as you have more data to compare. Fortunately, you have an advocate. We’re here to educate you on your options and guide you through the process.

Our licensed brokers are specialists when it comes to Medicare. We can help with everything from checking your prescriptions and drugs, determining the right plan for your needs, to walking you through the enrollment process. Simply fill out our online request form or give us a call.

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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.