Best Medicare Supplement Plans in Tennessee (2026)

SilverScript charges the lowest rates in Tennessee across four plan types. Plan G costs $121 monthly, Plan N $91 monthly and Plan F $140 monthly. 

In our analysis of 65-year-old Tennessee quotes, Plan G from SilverScript came in $111 below the state average. It covers all Medicare costs except the Part B deductible. SilverScript uses Attained Age Pricing. Premiums rise each year as you age. Transamerica's Issue Age Pricing costs more at enrollment. The rate doesn't rise as you age. Seniors ineligible for Plan F since January 1, 2020 will find Plan G covers nearly identical benefits for far less than Plan F's $303 monthly average.

*Prices are for 65-year-olds.

SilverScript offers the lowest Plan G rate in Tennessee at $121 monthly, 48% below the state average of $232. MedMutual Protect and LifeShield National are the next closest options at $131 and $135 per month. Plan G rates across Tennessee insurers in MoneyGeek's Tennessee rate data, ranged from $121 to $151 monthly. Plan G covers everything except the Part B deductible. The deductible difference between insurers is zero the only real variable is price and the insurer's pricing method.

Plan F costs $140 to $181 monthly in Tennessee depending on your insurer. SilverScript charges $140 monthly, 54% below the state average of $303. MedMutual Protect charges $155 monthly and Wellcare charges $164 monthly. These three insurers save Tennessee residents $1,961, $1,781 and $1,673 annually compared to the state average.

SilverScript's $140 monthly Plan F rate sits $41 below Wisconsin Physicians Service's $181, $492 per year for identical coverage. SilverScript at $140 monthly and MedMutual Protect at $155 a month both use Attained Age Pricing; if long-term cost is the priority, check whether any Wisconsin Physicians Service ($181) or AFLAC policies ($179) on this list use a different method before ruling them out on price alone.

Plan N costs $91 to $103 monthly in Tennessee depending on pricing style. SilverScript offers the lowest Plan N rate at $91 monthly, 52% below the state average of $189, saving Tennessee seniors $1,171 per year. Farm Bureau Insurance and MedMutual Protect each charge $95 monthly.

SilverScript leads at $91 monthly and AFLAC is the most expensive in our analysis at $103, a $12 monthly gap, or $144 per year. The $12 monthly gap is tighter than Plan G ($30) or Plan F ($41). SilverScript's 52% discount applies at enrollment. Attained Age Pricing raises your premium each year after that.

Filter the table below by plan type, age and deductible preference to compare rates from Tennessee insurers.

65-year-olds in Tennessee pay an average of $209 per month for Medicare Supplement insurance across 10 standardized plan types. Premiums range from $115 per month for Plan K to $311 per month for Plan C.

Plan G averages $232 per month, Plan F averages $303 per month and Plan N averages $189 per month. Annual premiums range from $1,380 to $3,732 depending on the plan you choose.

Plan K and Plan C are not equivalent coverage. Plan C covers nearly everything Medicare approves, including the Part B deductible. Plan K requires you to pay 50% of most covered costs until you reach the annual out-of-pocket limit, then covers the rest. At $311 per month for Plan C and $115 monthly for Plan K, the $196 monthly gap is the largest price difference between any two plan types in MoneyGeek's Tennessee rate data.

After you select which plan type matches your needs, evaluate Tennessee Medicare Supplement companies on several criteria. Your health care habits, budget and preferences affect which insurer gives you the best value.

Tennessee residents seeking help with Medicare coverage and plan selection can access multiple resources that provide free state and federal assistance.   

• Tennessee SHIP (State Health Insurance Assistance Program): Federally funded program providing free, unbiased counseling for Medicare-eligible individuals, families and caregivers. Trained counselors help with all Medicare questions through phone, email or online form submissions. Contact: 1-877-801-0044 or dda.ship@tn.gov. SHIP does not promote insurance agencies and keeps strict confidentiality. Counselors assist with Medicare Advantage comparisons, Part D enrollment and low-income subsidy applications.
• Tennessee Department of Commerce and Insurance - Consumer Insurance Services: Submit complaints online or mail to 500 James Robertson Parkway, 10th Floor, Nashville, TN 37243-0574. Consumer Insurance Services mediates disputes and educates consumers about insurance issues. Call 1-800-342-4029 or (615) 741-2218 for policy questions. Email: CIS.Complaints@state.tn.us. Fax: (615) 532-7389.
• Tennessee Area Agencies on Aging and Disability: Nine regional agencies across Tennessee's 95 counties, serving as Single Points of Entry for long-term care resources. ADRC toll-free number: 1-866-836-6678. Agencies coordinate nutrition programs, transportation services, caregiver support and in-home assistance. Professional resource specialists offer confidential information at no charge.
• Medicare.gov: Access the Plan Finder tool to evaluate Medigap options by searching plans in your location and reviewing detailed benefit comparisons.

Common questions about Medicare Supplement insurance for Tennessee residents answered below.

MoneyGeek collected Tennessee Medicare Supplement data for 65-year-olds and 75-year-olds in 2026 using Medicare.gov's plan browsing tool, covering all available plan types across active Tennessee insurers. We weighted pricing style at 20% of the total score because Attained Age Pricing, used by most Tennessee insurers, compounds rate increases over time in a way that makes a lower starting premium less meaningful at 75 or 80 than it appears at 65.

We scored Tennessee Medigap companies across three categories to create a weighted score out of 5:

• Affordability (50%): Lower monthly premiums earn higher scores.
• Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
• Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.