Medicare Supplement Plans in Tennessee

Medicare Supplement insurance (also called Medigap) helps senior and disabled Tennessee residents pay for certain Medicare co-payments, deductibles, Part B excess charges and other costs. Currently, insurance companies in Tennessee can offer residents one of the 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

What are the most popular Medicare Supplement plans in Tennessee?

The chart below shows the most popular Medicare Supplement plans in Tennessee.¹

Medigap plan pricing methods

Medigap pricing methods are important because they dictate how your health insurance premiums may increase in future years. There are 3 different pricing methods:

• Attained-age rated: The premium increases as you age.
• Issue-age rated: The premium is based on your age when you buy and it may increase due to inflation and other factors, but not due to your age.
• Community rated: The same premium is charged to all Medigap policyholders.

Under-65 enrollment rules

Although Medicare Supplement insurance is primarily for senior citizens, it also covers disabled people and those with end-stage renal disease (ESRD) who are Medicare eligible. Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.

In Tennessee, insurance companies that sell Medigap are required to make their complete plan lineup available to those under the age of 65 who have qualified for Medicare because of a disability. However, these insurers are allowed to charge higher premiums to those under 65.