The federal Medicare program is a kind of medical health insurance which provides for several of the hospital- and doctor-related health expenses of older persons. However, there are actually coverage gaps that Medicare will not cover, and these gaps in coverage can be costly rapidly if you are dependent upon Medicare only to cover your needs. Thankfully, there’s a type of supplement insurance known as “Medigap” which supplies an easily affordable choice for golden-agers who want to safeguard their finances from these gaps.

Federal Regulations for Medicare Supplements

The CMS (Centers for Medicare and Medicaid Services) is the government body accountable for controlling the 10 Medigap plans that are on the market today for purchase. Since the plans are regulated, there is no doubt that Plan F insurance coverage in Tennessee is equivalent to it will be in any other state. All you should be worried about is choosing the best company, and acquiring an inexpensive premium.

Medigap Enrollment In Tennessee

The most popular Medigap plan in Tennessee is Plan F, with nearly 100,000 seniors enjoying its comprehensive benefits. Plans C and G are also favored by retirees in the state, even though they have 1/10th as many members (on average) as plan F.

Plan Type A B C D E F G H I J K L M N
Enrollment 1,955 3,702 16,651 6,273 3,681 94,447 13,030 353 930 7,306 703 2,055 6 7,526

Plan Coverage & Cost

The cost for your Medicare Supplement in Tennessee will change by state, by your postal code, and your individual characteristics, such as age, chronic illness, and smoking habits. There are several other additional factors that may affect your price.

The price of your Medicare Supplement (also commonly called a Medigap) plan will depend on a number of items. Surprisingly, where you live in Tennessee will play an important role in determining what you pay. The cost of hospitals and doctors can vary significantly across the state, so where you live, down to the zip code, is important. Also like any other medical insurance, your overall health, medical history, age, and gender come into play as well. To give you a rough idea of you can expect the cost to be, we have provided a chart showing what people who live near you are paying for their Medigap plans.

Most Popular Medicare Supplement Plans in Tennessee

Although Plans C, G, and F are nearly identical, Plan F is by far the most favorable plan according to Tennessee residents. The beauty of plan F is that it covers every single gap in Medicare coverage, and it does so with only one monthly premium.

However, this makes Plan F the most expensive plan available. It might be possible to save money with a similar plan, such as Plan G or C, based on your personal circumstances. For example, if your Part B premium is fairly low, the price of that premium + Plan G’s premium could cost less than the monthly premium for Plan F. It’s all about sitting down with a knowledgeable insurance agent and doing the math.

How do Medicare Supplement Ratings work?

Once a year, usually around open enrollment season, Medicare releases a report rating all the companies that sell Medicare related products. This report is called the Overall Star Rating. Each company is given a star rating out of five and the more stars the better. It’s a helpful report when comparing companies. The areas reviewed include the use of preventive medicine, management of chronic diseases like diabetes, complaints received, customer service, and customer opinions.

Helpful Medigap Tips & Tricks

Doctor/Provider Network Restrictions

One of the main reasons Medicare Supplement in Tennessee are so well liked among golden-agers is the flexibility. Unlike other supplement plans, Medicare supplement insurance doesn’t feature any limited HMO or PPO provider networks. You can use any doctor which takes Medicare, in any state, irrespective of where you happen to be. So if you like to vacation, if you are living in a rural area, or if you are amongst the millions of “snow birds” who migrate south for the winter, your access to proper medical care will not be constrained.

Doctors List

One of the major advantages of a Medigap plan over other types of Medicare plans, is the ability to keep the physicians and other healthcare providers that you currently have. If they accept Medicare, they will accept your Medigap plan. Other plans may not be as flexible. Some operate on an HMO or PPO model and limit the healthcare providers to those that belong to a specific network or are on a limited and approved list. If the relationship you have with your current doctor is important to you, buying a Medigap plan will ensure that relationship can continue.

Drug, Vision and Dental Coverage

As you might know, Medicare Part D has become mainly accountable for supplying golden-agers with prescription drug coverage. Therefore, it is no longer required for a Medicare Supplement in Tennessee to offer you prescription drug coverage as an option. Vision and dental are additional forms of coverage which Medicare supplement and Medicare do not cover. You have the option to either get those covered privately on your own, or to pay out-of-pocket if you find it less costly than insurance coverage.

Enrollment Options & Best Time To Enroll

Listed below are the different ways that you can qualify for a Medicare Supplement in Tennessee. Some providers may need you to answer questions regarding your state of health prior to qualifying, others could limit your choices because of pre-existing conditions. If you’re fortunate, just being enrolled in Medicare could be more than enough to qualify you. For additional information, take a look at our Medigap Enrollment Options page, or get hold of one of our licensed agents. They can make individual suggestions according to your particular circumstances.

  • Initial Enrollment Period: You will be guaranteed coverage, no questions asked, if you purchase a Medigap plan within your first 6 months of registering for Medicare.
  • Guaranteed Issue: Prevalent among retirees who are losing an employer or group health plan. The organization you apply to will have to accept and cover you, regardless of your current health condition.
  • Annual Enrollment Period (AEP): AEPs don’t apply to Medigap policies, so feel free to enroll at any time during the year.
  • Underwritten: The underwriting process happens when your selected health insurance company records data regarding your health history and determines whether you are eligible for insurance coverage under a Medicare Supplement in Tennessee.

Free Look Period

Each senior citizen who buys a Medigap policy has 30 days to evaluate it and determine whether it will meet their needs or not. If you are unsatisfied, you are entitled to cancel your coverage and have your first month of premiums refunded to you, no questions asked.

What Medigap Plan Is Best For Me?

The perfect Medigap plan is one that you understand clearly, provides the levels of coverage that are appropriate for your health circumstances, and is affordable for your budget. There are many of companies selling Medigap plans and that perfect plan that fits your needs is out there, you just have to find it. No need to work, we’re here to get you started! has put together an exhaustive list of Medigap plans being offered in Tennessee. Just keep in mind that a low premium is not the only thing to judge a plan on. You want a company with an excellent reputation and solid financial standings. With a little research and our expert advice, we are sure you’ll find your “perfect” plan.

by Lindsay Malzone, Lindsay Malzone is the Medicare expert for 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.