The Best Medicare Supplement (Medigap) Plans in Tennessee

Christian Worstell
In this article...
  • Tennessee Medicare Supplement plans provide added help in dealing with medical expenses not fully covered by Medicare. Our review of these Medigap plans can help you make the right choice for your needs.

Medicare Part A and Part B, commonly known as Original Medicare, covers many medical treatment expenses for qualifying individuals in the state of Tennessee. These plans, however, do not always cover all the costs of hospital stays, long-term treatments and deductibles. Tennessee Medicare Supplement plans, also known as Medigap plans, help fill these financial gaps by paying for some of the expenses not covered by Medicare.

In Tennessee, over 316,000 Medicare participants also have Medigap coverage. That's more than 41% of those eligible for this coverage. If you are currently enrolled in Original Medicare in Tennessee and do not have Medigap insurance, you can learn more about this coverage below.

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Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Tennessee Medicare Supplement Plans?

In Tennessee and in most other states, 10 types of Medicare Supplement insurance are available. These plans are designated by a letter and offer standardized coverage for Medicare recipients, which means that Plan A Medigap insurance offers the same coverage regardless of what insurance company offers it. The only difference between plans of the same letter offered by different companies in Tennessee will be the price.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,700 in 2023. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,940 in 2023. Plan L has an out-of-pocket yearly limit of $3,470 in 2023.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

All Medigap plans offer some coverage for Medicare Part A coinsurance. They must also cover an additional year (365 days) of hospitalization coverage beyond what is already covered by Medicare. Medicare Supplement plans in Tennessee cover some portion of copayments required under Medicare Part B. Some plans even offer coverage for the deductible amounts that must be paid before Medicare will cover treatments and hospitalization.

Not all plans may be available to all Medicare participants. Individuals who first became eligible for Medicare coverage on or after January 1, 2020, cannot enroll in Plans C or F. These plans were phased out by Medicare because they provided first-dollar coverage for all medical treatments, which was prohibited by the Medicare Access and CHIP Reauthorization Act of 2015. Individuals who reached the age of 65 before January 1, 2020, however, can still enroll in these plans for as long as they are available from insurance companies in Tennessee.

In Tennessee and in most other areas of the United States, the most popular Medicare plans are Plans F, G and N. These plans balance lower insurance premiums with higher deductibles to help Medicare recipients balance their budgets more effectively. Plan N is especially popular among those worried about copay costs. It covers 100% of Medicare copay requirements and requires only a small copay for visits to the doctor or to the emergency room.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in Medicare Supplement Plans in Tennessee?

The easiest way to enroll in Medigap coverage is to do so during the initial six-month period of open enrollment, which begins on the first day of the month in which you turn 65. During these six months, you cannot be turned down for any available Medicare Supplement insurance policy because of pre-existing conditions. Additionally, you will be offered coverage at the same premium rates offered to applicants in perfect health. By taking advantage of this limited-time opportunity, you can obtain Medigap insurance at a far lower cost and with less stress for you and your family.

If you have had Medigap coverage in the past and lost it because the company you chose went bankrupt or through other reasons that were not your fault, you may be entitled to guaranteed issue rights. This status lets you purchase Medigap insurance under the same terms that you would have had under the initial six-month enrollment period.

Guaranteed issue rights may also be available to you if you chose to enroll in a Medicare Advantage plan rather than Medigap coverage during your initial enrollment period. If you decide within the first year of coverage that you would prefer to switch to Original Medicare, you can typically access the same low rates and guaranteed approval for coverage from Medigap providers.

If you do not enroll in Medigap in the first six months of your eligibility, insurers can deny your application or charge you much higher rates for your coverage. Medigap providers use underwriting and risk assessment tools to process the applications they receive. Pre-existing conditions could make it much more difficult for you to obtain Medicare Supplement insurance outside the initial six-month window of eligibility.

A six-month waiting period may be required before you can be covered for pre-existing conditions under your Medigap policy. If you have been covered by other insurance for the last six months, however, this provision may be waived to allow your pre-existing medical conditions to be covered by Medigap starting immediately.

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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