Nashville, TN
Davidson County
State capital and government-retiree hub, where employer and TRS retiree coverage often coordinates with Medicare Parts A and B.
◊ Tennessee · TN
Learn more about your Medicare plan options in Tennessee.
In Tennessee we represent both Medicare Supplement and Medicare Advantage plans from a wide variety of insurance carriers. We price off Tennessee carrier filings and ZIP-level plan availability rather than national averages — and there is never a charge for the consultation.
Tennessee Medicare at a glance
- 1,440,000
- Medicare beneficiaries statewide (approx.)
- 55%
- Enrolled in Medicare Advantage — about 792,000 people
- 20.4%
- Of the Tennessee population is on Medicare
Approximate statewide estimates based on publicly reported CMS Medicare enrollment data.
◊ Medigap in TN
Tennessee Medicare Supplement plans.
Roughly 45% of Tennessee beneficiaries stay on Original Medicare, and most of them pair it with a Medicare Supplement (Medigap) policy. While well-known carriers such as BlueCross BlueShield of Tennessee have Medigap options here, several other A-rated carriers offer competitive prices. Because Medigap benefits are standardized by plan letter, identical coverage from a lesser-known carrier can save hundreds of dollars a year — and when you are living on a fixed income, every dollar counts.
Keep in mind that every health insurance company is subject to annual rate increases. Your Tennessee Medigap plan will see premium adjustments over time, which is why we review your policy each year at renewal and re-shop the market for you at no cost.
Medigap plans available in Tennessee
Tennessee offers all of the standardized Medigap plans available in nearly every other state: Plan A, B, C, D, F, G, K, L, M, and N, plus high-deductible options. If you became eligible for Medicare on or after January 1, 2020, Plans C and F are not available to you — but do not worry about missing Plan F. Plan G is usually the more cost-effective option anyway, and Plan N is worth a look if you are comfortable with small copays at the doctor's office.
| Plan | Part A deductible | Part B deductible | Part B excess | Best fit in TN |
|---|---|---|---|---|
| Plan G | Covered | You pay | Covered | Most popular — full coverage after one deductible |
| High-Deductible G | After deductible | You pay | After deductible | Lowest premium, highest out-of-pocket ceiling |
| Plan N | Covered | You pay | Not covered | Lower premium with small office/ER copays |
| Plan F | Covered | Covered | Covered | Only if Medicare-eligible before 2020 |
| Plan K / L | Partial | You pay | Not covered | Cost-sharing plans with an annual out-of-pocket limit |
◊ Medicare Advantage in TN
Tennessee Medicare Advantage plans.
For Tennessee residents interested in Medicare Advantage, there are many plan options. HMO plans generally carry the lowest premiums — many at $0 per month — but there are reasonably priced PPO options as well for people who want out-of-network flexibility. More than 792,000 Medicare beneficiaries are enrolled in Advantage plans across the state, about 55% of everyone on Medicare in Tennessee.
Most Tennessee Medicare Advantage plans include prescription drug coverage. For people choosing Medigap instead, standalone Part D drug plans are available statewide. The right answer is rarely about premium — it is about whether your doctors, hospitals, and prescriptions are inside the plan's Tennessee network and formulary.
Carriers writing Medicare business in Tennessee
- BlueCross BlueShield of Tennessee
- Humana
- Aetna
- UnitedHealthcare
Carrier availability varies by county and ZIP code. We do not offer every plan available in your area.
◊ Tennessee ZIP coverage
5 markets. Each a different plan menu.
Medicare Advantage networks and Part D formularies are built county by county, and Medigap rates are set by ZIP code. A retiree in 37203 Nashville is shopping a genuinely different list than a retiree in 38103 Memphis. Here is how the Tennessee market breaks down.
Memphis, TN
Shelby County
Dense urban market with the widest carrier network access in the state — expect the largest slate of Medicare Advantage plans and the most competitive Medigap rating.
Knoxville, TN
Knox County
University town with strong academic medical center access, which frequently favors Medicare Supplement plans over narrow-network HMOs.
Chattanooga, TN
Hamilton County
Legacy manufacturing market with a large share of union and retiree group plans that need to be compared against individual Medicare options.
Johnson City, TN
Washington County
Retirement-heavy ZIP with one of the highest Medicare-eligible concentrations in the state and a correspondingly deep plan menu.
◊ Tennessee Medicare FAQ
Frequently asked questions.
Do I need a Part D plan in Tennessee?
If you pair Original Medicare with a Tennessee Medicare Supplement plan, yes — Medigap does not include prescription coverage, so you add a standalone Part D plan. Most Tennessee Medicare Advantage plans already bundle Part D, so a separate plan is usually unnecessary and can actually disenroll you from your Advantage plan.
Which Medigap plans are available in Tennessee?
Tennessee offers the full set of standardized Medigap plans — A, B, C, D, F, G, K, L, M, and N, plus high-deductible F and G. Plans C and F are only available to people who became eligible for Medicare before January 1, 2020. For everyone newly eligible, Plan G and Plan N are the two most commonly purchased options.
How much do Medicare Supplement plans cost in Tennessee?
Medigap premiums in Tennessee vary by carrier, age, gender, tobacco use, and ZIP code — two people in different parts of the state can pay meaningfully different rates for identical coverage. Because Medigap benefits are standardized by letter, the smartest move is to compare every A-rated carrier writing in your ZIP rather than defaulting to the best-known brand.
When can I enroll in a Medigap plan in Tennessee without health questions?
Your one-time, six-month Medigap Open Enrollment Period begins the month you are 65 or older and enrolled in Medicare Part B. During that window, Tennessee carriers cannot decline you or rate you up for health history. Outside it, you generally have to answer medical underwriting questions unless a guaranteed-issue right applies.
Can I switch from Medicare Advantage to Medigap in Tennessee?
You can drop a Medicare Advantage plan during the Annual Election Period (October 15 – December 7) or the Medicare Advantage Open Enrollment Period (January 1 – March 31), then apply for a Medigap plan. Keep in mind you may be subject to underwriting in Tennessee if you are outside your Medigap Open Enrollment window.
Need help exploring Tennessee Medicare plan options?
Meet one-on-one with a licensed advisor to compare Tennessee Medicare Supplement, Medicare Advantage, and Part D plans side by side. Meet by phone or in person. There is no charge for this service.
Book an appointmentOther states in the South
Alabama Medicare PlansArkansas Medicare PlansFlorida Medicare PlansGeorgia Medicare PlansKentucky Medicare PlansLouisiana Medicare Plans
Or jump to another state
Tennessee Medicare plan information reviewed for 2026. Enrollment and penetration figures are approximate statewide estimates from publicly reported CMS Medicare enrollment data.