Tennessee Medicare Supplements
Get a Quote »We offer Tennessee Medicare supplement insurance quotes direct to you. If you are near age 65, losing group coverage or Medicaid, or under age 65 and eligible due to disability – we can help.
Our clients can choose from the most affordable and highly rated supplemental insurance providers available.
Our direct relationship with multiple carriers allows us to instantly provide Medigap quotes online. You can compare plans, prices, and coverage options from several competing companies – all with one independent agency.
Compare Medicare Supplement Insurance Quotes
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 (or several different brokers) on your own.
There are no additional costs to use our services – supplement prices are fixed by law – so you will not find better rates for the same coverage anywhere else.
We represent several affordable providers including: AARP, Aetna, Anthem, American Continental, American Republic, Assured Life, Bankers Fidelity, Family Life, Forethought Life, Gerber Life, Heartland Life, Loyal American, Mutual of Omaha, United of Omaha, and United Healthcare among others.
When a new low cost carrier becomes available, we will be sure to inform our existing clients so they can lower their premiums if they wish to change providers.
Affordable Tennessee Medigap Insurance Plans
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 as they offer the most comprehensive coverage and fill in the most common gaps in Medicare Parts A and B. (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.
Additionally, some insurance providers offer a high deductible Plan F Medicare supplement coverage. High deductible Plan F will provide benefits once a $2070 deductible has been reached. Rates for HD F are very affordable and compare very favorable to Medicare Advantage options.
Medicare Disability Under Age 65 Insurance Options
As of January 1, 2011 consumers in TN who are eligible for Medicare due to disability and who are under age 65 can also purchase a Medicare supplement insurance policy. This new law allows for a six month open enrollment period for those who have been accepted into Medicare disability and whose Part B is soon to be effective.
Thus, it is a very good idea for all Tennessee residents who are new to disability and without supplemental coverage to inquire about their options. After the initial six month open enrollment window has closed, then medical underwriting will be required for most applicants. Rates can vary dramatically between insurance providers, so it is best to shop with an independent agent.
Underwriting will not be required for future SSD eligible applicants who are losing employer sponsored group coverage, involuntarily losing Medicare Advantage coverage, or for those who are no longer eligible for state Medicaid – also referred to as TennCare.
Medicare Supplement Insurance 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, so it’s a good idea to have an agent to contact from year to year.
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 some carriers require less underwriting than others. If you have been turned down by one insurance company, there may be another who will accept your application.
Tennessee Part D Prescription Drug Coverage
We work with AARP United Healthcare and Coventry First Health to offer Medicare Part D prescription drug coverage. Both AARP and Coventry offer two plans to choose from with no annual deductible. Prescription copays will vary depending on your prescribed medications. We can help you find the most suitable Part D plan for your rx 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 and budget.
Where We Are
We provide Medicare gap insurance in all of Tennessee – including Nashville, Memphis, Knoxville and everywhere in between. Contact us today!
For further information about supplemental insurance please refer to the Tennessee Department of Commerce and Insurance.
