Hyers & Associates

Get a Quote »We offer Tennessee Medicare supplement quotes and enrollment to all eligible residents. Our clients can choose from the most affordable and highly rated supplemental insurance providers available.

Our relationship with several carriers allows us to instantly provide Medigap quotes for you. You can compare plans and prices from multiple carriers - all in one place.

Compare TN Medicare Supplements

The advantage of using our agency is our independence.  You can compare Medicare supplement insurance prices from several carriers without having to contact each insurance company on your own.  And there is no additional cost to use our services - supplement prices are fixed by law.

We represent several affordable providers including; Aetna, Anthem, American Continental, American Republic, Assured Life, Bankers Fidelity, Family Life, Gerber Life, Loyal American, Mutual of Omaha, United of Omaha, and United Healthcare (AARP). When a new low cost carrier becomes available, we will be sure to inform our existing clients.

Medicare Insurance Plans in Tennessee

There are ten modernized insurance plans to choose from - A, B, C, D, F, G, K, L, M and N.

Plans C, F, and G are very popular at they offer comprehensive coverage and fill in the most gaps.  (View Chart)

Plans K, L, M and N, are cost sharing plans and require the insured to cover more expenses out of pocket. However, monthly premiums will be noticeably lower for these four plans as compared to most others.

Plans C, D, and G are also good choices depending on what benefits are most valuable to the insured.

Additionally, some insurance providers offer high deductible Plan F Medicare supplement coverage. High deductible F will provide benefits once a $2000 deductible has been reached each year.

Medicare Supplement Renewal Rates

All policies are “guaranteed renewable” which means as long as you pay your premiums on time, the insurance company cannot cancel your coverage for any reason.  There is no maximum limit to the benefits you can receive from your policy.

However, supplement providers will raise your rates from year to year - some more than others.  Future rate increases are difficult to predict with an individual carrier and can vary dramatically.

If you are in reasonably good health, you should be able to apply for a less expensive policy with the exact same benefits from a competing insurance company.  We are always looking for better prices for our clients and can help you switch to a plan will less expensive monthly premiums.

It is also worth noting that Plan N is being offered with limited medical underwriting from a few carriers.  If you have been turned down in the past due to ongoing health concerns, you will likely qualify for a Plan N and the lower rates that accompany this coverage.

TN Part D Prescription Drug Coverage

We also work with United Healthcare AARP and Coventry to offer Medicare Part D prescription drug coverage.  Both companies offer three plans to choose from and costs will vary depending on your prescription needs.

Part D approved medications can be filled by mail order or from a preferred local pharmacy.  We will be happy to help you find a prescription drug plan tailored to meet your needs.

Where We Are

We provide Medicare gap insurance in all of Tennessee - including Nashville, Memphis, Knoxville and everywhere in between.  Contact us to view quotes today!

For further information about supplemental insurance please refer to the Tennessee Department of Commerce and Insurance.