If you’re trying to find the best Tennessee Medicare Supplement Plans, then you’ve come to the right place. In this guide, we’ll walk you through how to compare plans and find the best value when shopping for Tennessee Medigap plans.
In this article we’ll discuss:
best medicare supplement plans in Tennessee
Before you start trying to compare plans, you need to make sure you understand how these plans are setup. Medigap plans are standardized insurance plans that are regulated by the government.
What does a standardized plan mean?
This means that when you shop for a specific Medicare Supplement Plan (like Medigap Plan G) it will provide you the same exact coverage no matter the company you buy from.
Your Medicare coverage is the same no matter if the Plan G is from Blue Cross Blue Shield, Mutual of Omaha, Aetna or any other Medigap company.
It’s the LAW!
How to save money on medicare supplement plans in Tennessee
How much will you pay for your Tennessee Medicare Supplement Insurance? You’re not getting more benefits by paying more.
So don’t overpay!
How much can Tennessee residents save?
Here’s a quick example…
Plan G premiums with one insurance company can be very different from another insurance company. Remember, the benefits are the same even if the premiums are different.
We calculated sample quotes from multiple states to show you what the lowest and highest rates are for a 65 year old (non tobacco) male shopping for a Medigap Plan G.
The average monthly premiums from “A” rated companies are:
- Average Lowest Monthly Rate: $128
- Average Highest Monthly Rate: $190
Your Potential Monthly Savings!
Those savings are huge… That’s an annual savings of $744!
Again, these Plan G savings all come with the same benefits.
Since the benefits are the same, the only difference from each company is PRICE!
How Medicare Supplements Work
Let’s look at Medigap and compare it to an everyday purchase.
Think of Medigap plans like buying gas.
The quality of regular unleaded gasoline (Plan G) is the same at every gas station.
However, gasoline may have different prices from multiple gas stations in your town.
You probably buy the least expensive premium gas because it’s the same regardless of which station you buy it from.
This is how Medigap works.
If you want to purchase a Plan G, shop your Plan G with all the companies in your Zip Code.
If you are shopping for Plan N, shop all Plan N plans in your Zip Code.
Compare Tennessee Medicare Supplements
It is important to know that even though the coverage for Tennessee Medicare Supplement Plans are the same, the rates are not. You need to compare the plan letters from company to company. For example, compare Medicare Supplement Plan G from multiple companies.
Medicare Supplement Insurance Plan premium prices are different when comparing Tennessee Medicare Supplement Insurance Companies.
The Medigap lettered plans (Plan G for example) are standardized. This is a safety net put in place by CMS (Centers for Medicare and Medicaid Services) to protect you. Insurance companies, by law, can’t make any changes to standardized Medigap benefits.
CMS, however, does not regulate premiums. Insurance companies adjust rates based on inflation, overhead, medical pay outs, marketing, etc.
Medigap Outline Of Coverage
The outline of coverage below will explain in details the benefits you’ll receive depending on the Medigap plan you choose.
Tennessee Medigap Benefits
Let’s focus on one plan to give you an idea of how the benefits can be compared.
If you’re shopping a Plan G, your benefits are the exact same no matter what company you choose.
This applies to all Medigap plan letters.
You do not get better benefits by selecting a big or small insurance company.
Price comparison shopping is extremely important.
You must make sure that you are not spending more than you have to for the exact same Tennessee Medicare Supplement Insurance Coverage.
* Plans F and G also offer a high-deductible plan in some states. With this option, you must pay for Medicare-covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,340 in 2020 ($2,370 in 2021) before your policy pays anything. (Plans C and F aren’t available to people who were newly eligible for Medicare on or after January 1, 2020.)
** For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
*** Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in inpatient admission.
REMEDIGAP can help
Our service is free. We help Tennessee Medicare Insurance beneficiaries who are new to Medicare or already using Medicare.
If you have a Medigap plan, we can review your coverage and find lower rates to save you money on the same exact plan.
We are independent agents who shop the entire market and offer you choices.
We’re not bound to any insurance company.
We don’t work for the Medicare Supplement companies. We work for you.
We’ll find you the absolute highest value with your Medicare Supplement coverage by shopping all of the insurance companies that offer Tennessee Medigap coverage.
Be an informed buyer and comparison shop your Tennessee Medicare Supplement Insurance plans and rates.
Just click here to request a quote or call us at (888) 411-1329 for personal service.
Tennessee Medigap Locations
Are you wondering if I can help you lower your Medicare Supplement costs? I can! Below are the cities in Tennessee that I serve. Click here if you’re looking for other Medicare Supplement states.
Adams Adamsville Alamo Alcoa Alexandria Algood Allardt Altamont Ardmore Arlington Ashland City Athens Atoka Atwood Auburntown Baileyton Baneberry Banner Hill Bartlett Baxter Beersheba Springs Bell Buckle Belle Meade Bells Benton Berry Hill Bethel Springs Big Sandy Blaine Bloomingdale Blountville Bluff City Bolivar Braden Bradford Brentwood Brighton Bristol Brownsville Bruceton Bulls Gap Burlison Burns Byrdstown Calhoun Camden Carthage Caryville Cedar Hill Celina Centertown Centerville Central Chapel Hill Charleston Charlotte Chattanooga Church Hill Clarksburg Clarksville Cleveland Clifton Clinton Coalmont Collegedale Collierville Collinwood Colonial Heights Columbia Cookeville Coopertown Copperhill Cornersville Cottage Grove Covington Cowan Crab Orchard Cross Plains Crossville Crump Cumberland City Cumberland Gap Dandridge Dayton Decatur Decaturville Decherd Dickson Dover Dowelltown Doyle Dresden Ducktown Dunlap Dyer Dyersburg Eagleton Village Eagleville East Brainerd East Cleveland East Ridge Eastview Elizabethton Elkton Englewood Enville Erin Erwin Estill Springs Ethridge Etowah Fairfield Glade Fairmount Fairview Fall Branch Farragut Fayetteville Finger Forest Hills Franklin Friendship Friendsville Gadsden Gainesboro Gallatin Gallaway Garland Gates Gatlinburg Germantown Gibson Gilt Edge Gleason Goodlettsville Gordonsville Grand Junction Gray Graysville Greenback Greenbrier Greeneville Greenfield Green Hill Gruetli-Laager Guys Halls Harriman Harrison Harrogate-Shawanee Hartsville Helenwood Henderson Hendersonville Henning Henry Hickory Valley Hickory Withe Hohenwald Hollow Rock Hopewell Hornbeak Hornsby Humboldt Hunter Huntingdon Huntland Huntsville Iron City Jacksboro Jackson Jamestown Jasper Jefferson City Jellico Johnson City Jonesborough Kenton Kimball Kingsport Kingston Kingston Springs Knoxville Lafayette La Follette La Grange Lake City Lakeland Lakesite Lake Tansi Lakewood La Vergne Lawrenceburg Lebanon Lenoir City Lewisburg Lexington Liberty Linden Livingston Lobelville Lookout Mountain Loretto Loudon Louisville Luttrell Lynchburg Lynnville McEwen McKenzie McLemoresville McMinnville Madisonville Manchester Martin Maryville Mascot Mason Maury City Maynardville Medina Medon Memphis Michie Middleton Middle Valley Midtown Midway Milan Milledgeville Millersville Millington Minor Hill Mitchellville Monteagle Monterey Morrison Morristown Moscow Mosheim Mountain City Mount Carmel Mount Juliet Mount Pleasant Munford Murfreesboro Nashville-Davidson (balance) Newbern New Hope New Johnsonville New Market Newport New Tazewell Niota Nolensville Normandy Norris Oakdale Oak Grove Oak Hill Oakland Oak Ridge Obion Oliver Springs Oneida Ooltewah Orlinda Orme Palmer Paris Parkers Crossroads Parrottsville Parsons Pegram Petersburg Philadelphia Pigeon Forge Pikeville Pine Crest Piperton Pittman Center Plainview Pleasant Hill Pleasant View Portland Powells Crossroads Pulaski Puryear Ramer Red Bank Red Boiling Springs Ridgely Ridgeside Ridgetop Ripley Rives Roan Mountain Rockford Rockwood Rogersville Rossville Rural Hill Rutherford Rutledge St. Joseph Saltillo Samburg Sardis Saulsbury Savannah Scotts Hill Selmer Sevierville Sewanee Seymour Sharon Shelbyville Signal Mountain Silerton Slayden Smithville Smyrna Sneedville Soddy-Daisy Somerville South Carthage South Cleveland South Fulton South Pittsburg Sparta Spencer Spring City Springfield Spring Hill Spurgeon Stanton Stantonville Sunbright Surgoinsville Sweetwater Tazewell Tellico Plains Tennessee Ridge Thompson’s Station Three Way Tiptonville Toone Townsend Tracy City Trenton Trezevant Trimble Troy Tullahoma Tusculum Unicoi Union City Vanleer Viola Vonore Walden Walnut Grove Walnut Hill Walterhill Wartburg Wartrace Watauga Watertown Waverly Waynesboro Westmoreland White Bluff White House White Pine Whiteville Whitwell Wildwood Lake Williston Winchester Winfield Woodbury Woodland Mills Yorkville