Tennessee has several options for Medicare coverage, but they are different depending on the region of the state which you live in. In Tennessee, most insurance companies can only sell standardized Medigap policies. Most states do this because they like to have an easily regulated system. While each of the plans have its own merits and has stipulations that allow only some people to qualify, these stipulations and plans are consistent for all seniors throughout the United States. These policies are identified by letters. It is important to note that the pricing on each of these policies differs depending on your age and location. Medigap plan F offers a high-deductible option. The benefits in any Medigap plan A through N are the same for any insurance company.

Medicare advantage options from Health Spring, Blue Cross Blue Shield of Tennessee, and Humana are good in areas of the state in which their network is strong. In particular in the metro areas, but in much of the state and for those who wish to limit their liability, Medigap insurance is the obvious choice.

A Medigap plan in Tennessee covers some of the costs not paid for by original Medicare (Part A and B). These costs might include copayments, deductibles, and other out-of-pocket expenses.

Medigap plans do not include prescription drugs in their coverage. If you are interested in adding prescription drug coverage to your plan, you may want to consider enrolling in Medicare part D. This is a prescription drug plan. You can think of this as sort of a “add on plan”. Low-income beneficiaries may qualify for savings programs in the state of Tennessee. These programs offer discounts on some of the health expenses Medicare doesn’t cover.

Private insurance companies must have contracts with Medicare to offer Medicare Advantage plans and Medicare Prescription drug plans. Depending on the terms of the contract between the plan and Medicare, not every plan is available statewide or in all service areas. Each year, the company must renew its contract, so the availability of a plan in a specific service area is subject to change. You will get to keep your plan until you decide to switch.

Learn more about Medigap plans & rates in Tennessee at http://emedigap-plans.com/tennessee-medicare-supplement-plans.  Our Tennessee Medigap Insurance brokers will help you compare Medigap Insurance rates and plans in Tennessee today.  To talk to an expert in Tennessee Medigap coverage call toll free 888-452-7949 today!