Ohio Insure Plan Logo

Tennessee Medicare Supplement Insurance

Get Quotes

Compare Medicare Insurance Quotes

Need Medicare? You're in the right place.

Medicare Supplement Insurance Plans in Tennessee

Tennessee Medicare Supplement RatesWe offer Tennessee Medicare supplement insurance quotes from several carriers. If you are near age 65, losing group coverage, losing Medicaid or under age 65 and eligible due to disability – we can help.

Our relationship with multiple carriers allows us to provide Medigap rates direct to you. It’s as if you’ve called each company to compare quotes, but without the hassle. We will provide insight on several providers at once.

We represent several affordable Medicare supplement providers in Tennessee, including: Aetna, Anthem, American Continental, Central States Indemnity, Combined, Equitable, Heartland National, Manhattan Life, Medico, Mutual of Omaha, Oxford Life, Standard Life and Accident, United American, United Healthcare AARP and many others.

The Medicare supplement marketplace is very competitive. Several new carriers enter the market each year. We keep track of all new offerings so our new and existing clients are aware who has the lowest rates.

Comparing Medigap Insurance Plans & Benefits

There are ten modernized insurance plans to choose from: A, B, C, D, F, G, K, L, M and N. Plans F, G and N are very popular as they offer the most comprehensive coverage and fill in the most common gaps in Medicare Parts A and B.

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

Additionally, some Medicare supplement insurance providers offer a High Deductible Plan F. The deductible for 2017 is $2,200. Rates for HD F are very affordable and compare favorably to some Medicare Advantage plans. In some areas, rates can be near $30 a month for this variation of Plan F.

Medicare Insurance Options For Those Under Age 65

As of January 1, 2011 consumers in TN who are eligible for Medicare due to disability and who are under age 65 can 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 (or already) effective.

It’s 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, medical underwriting will be required for most applicants. Rates can vary dramatically between insurance providers and will be more for those under 65.

Medicare Advantage plans are also an option for those eligible for Medicare due to disability. These plans privately cover the benefits provided by Original Medicare Parts A and B while including Part D drug coverage and some additional benefits. These low cost plans can be reasonable alternative when supplemental rates are too expensive.

Medicare Supplement Insurance Renewal Rates

All Medicare supplement insurance policies are “guaranteed renewable.” This means as long as you pay your premiums on time, the insurance company cannot cancel your coverage for any reason. There is no maximum or lifetime limit to the amount of 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. We do have historical rate increase data on many companies.

If you are in reasonably good health, you may be able to switch carriers if your rates had increased. It’s 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.

Part D Prescription Drug Coverage in Tennessee

We work with Aetna, AARP United Healthcare, Coventry, Humana, Silver Scripts and others to offer Medicare Part D prescription drug coverage. Prescription copays and total out-of-pocket costs will vary depending on your prescribed medications. Humana offers a very low cost option for those on few prescriptions or only generics.

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

Contact Us For Insurance Quotes And Coverage

We provide Medicare supplement insurance in all of Tennessee – including Nashville, Memphis, Knoxville and everywhere in between. We will help you compare the direct 2016 supplemental rates from several companies side by side. Contact us today!