As a retiree, you are eligible for Medicare in Tennessee including additional supplemental insurance plans. The Medicare plan is designed specifically for individuals who have reached sixty five years of age or that are covered due to special circumstances.  Individuals with Medicare in Tennessee often need additional coverage in the form of supplemental insurance to help cover charges that Medicare does not.  For example:

  • Out of pocket deductible after hospitalization
  • A twenty percent deductible charge for approved doctors’ bills and outpatient expenses
  • Amounts over the approved Medicare amount from providers that do not participate in Medicare

Medicare supplement insurance plans in Tennessee cover many of the expenses that are not paid for by Original Medicare which consists of Medicare Part A and Medicare Part B.  Copayments, deductibles, and other out-of-pocket expenses are the individual participant’s responsibility.  Additional coverage in the form of supplemental insurance plans can be purchased to work in conjunction with Original Medicare.

Each plan offers its own unique set of benefits.  Medicare Part A and Medicare Part B offer the most basic health care coverage for retirees.  Basically Medicare is responsible for eighty percent of all medical bills from physicians and hospitals that work in conjunction with the Medicare program.  The participant is then required to cover the remaining twenty percent out of their own pocket or with additional insurance coverage such as one of the ten Medicare supplemental insurance plans that can be found in Tennessee.  This additional coverage can be purchased through a number of private insurance companies and is strictly regulated by the Federal government.

Choices in Medicare Supplement plans in Tennessee

There are ten different Medicare supplemental insurance plans available in Tennessee.  Each is represented by a letter, A through N.  The plans are standardized by Medicare.  What this means it that that every plan that falls under a specific letter type will offer identical coverage.  Supplement Plan D in Anderson County is the same as Bedford County.  The same is true of each state.  Coverage is identical throughout the United States.

Each plan offers something different.  The plan you choose could cover any or all of the following:

  • Plan C or F will differ from Plan A in terms of both coverage and costs.
  • Plan F is a high-deductible plan. This means the participant must pay for Medicare-covered costs up to the deductible amount before their supplemental insurance will cover anything.
  • Plan N pays one hundred percent of the Medicare Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits without admission

Some of the healthcare benefits that are not covered by Tennessee Medicare Supplements include:

  • Vision and dental care
  • Hearing aids and tests
  • Eyeglasses and contacts
  • Private Nursing
  • Long term care

If you are interested in comparing Medicare supplement plans and rates with in Tennessee, it is helpful to contact a Medicare supplemental insurance broker.  This information can be provided by Tennessee Medicare supplemental insurance brokers who will then help you choose the best Tennessee Medicare supplemental insurance plan to meet your healthcare and budget needs.

Learn more about Tennessee Medicare Supplemental Insurance plans, rates and more at  Our Tennessee Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans in Tennessee.  To talk to an expert in Tennessee Medicare coverage toll free 888.404.5049 today!

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