SilverScript charges the lowest rates in Tennessee for four major plan types. Plan N costs $91 monthly, Plan G costs $121 monthly, Plan F costs $140 monthly and Plan B costs $118 monthly. State Farm has Tennessee's cheapest Plan A at $65 monthly. Your monthly cost depends on which plan type you select, your age and your insurer's pricing method.
Best Medicare Supplement Plans in Tennessee (2026)
Updated: January 27, 2026
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Key Takeaways
SilverScript offers Tennessee's cheapest rates for Plan G ($121), Plan N ($91) and Plan F ($140), saving seniors up to $1,956 annually.
Tennessee's Medicare Supplement premiums range from $28 to $540 monthly, depending on your plan choice and how old you are.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in Tennessee
| State Farm | A | $65 | $129 | Attained Age Pricing |
| SilverScript | B | $118 | $123 | Attained Age Pricing |
| New Era | C | $151 | $160 | Attained Age Pricing |
| Farm Bureau Insurance | D | $131 | $63 | Attained Age Pricing |
| SilverScript | F | $140 | $163 | Attained Age Pricing |
| SilverScript | G | $121 | $111 | Attained Age Pricing |
| Transamerica | K | $103 | $12 | Issue Age Pricing |
| United American | L | $148 | $26 | Attained Age Pricing |
| New Era | M | $81 | $54 | Attained Age Pricing |
| SilverScript | N | $91 | $98 | Attained Age Pricing |
*Prices are for 65-year-olds.
State Farm
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Plan G Rate
$149Plan Types
A, C, D, F, G, N
New Era
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
4.1/5Pricing Style
3.5/5Plan Availability
Average Plan G Rate
NonePlan Types
A, C, D, F, G, M, N
Farm Bureau
MoneyGeek Rating
4.0/ 5
4.9/5Affordability
3.6/5Pricing Style
2.7/5Plan Availability
Average Plan G Rate
$148Plan Types
A, D, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Availability
Average Plan G Rate
$217Plan Types
A, B, C, D, F, G, K, L, M, N
United American
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Availability
Average Plan G Rate
$251Plan Types
A, B, C, D, F, G, K, L, N
SilverScript
MoneyGeek Rating
4.1/ 5
4.8/5Affordability
3.6/5Pricing Style
2.8/5Availability
Average Plan G Cost
$121Plan Types
B, F, G, N
Best Medicare Supplement Plan G in Tennessee
In Tennessee, SilverScript offers the cheapest Plan G at 48% below the state average, with MedMutual Protect and LifeShield National providing competitive rates.
| SilverScript | $121 | $111 | $1,452 | $1,327 |
| MedMutual Protect | $131 | $101 | $1,572 | $1,207 |
| LifeShield National | $135 | $97 | $1,620 | $1,159 |
| Wellcare | $139 | $93 | $1,668 | $1,111 |
| Farm Bureau Insurance | $148 | $84 | $1,776 | $1,003 |
| State Farm | $149 | $83 | $1,788 | $991 |
| AFLAC | $151 | $81 | $1,812 | $967 |
Best Medicare Supplement Plan F in Tennessee
Plan F costs $140 to $181 monthly in Tennessee based on your insurer's pricing method and deductible options. SilverScript charges $140 monthly, 39% below the state average. MedMutual Protect charges $155 monthly and Wellcare charges $164 monthly. These three companies save residents $1,961, $1,781 and $1,673 annually.
Only Medicare beneficiaries who enrolled before January 1, 2020, can buy Plan F, per Centers for Medicare & Medicaid Services regulations.
| SilverScript | $140 | $163 | $1,680 | $1,961 |
| MedMutual Protect | $155 | $148 | $1,860 | $1,781 |
| Wellcare | $164 | $139 | $1,968 | $1,673 |
| LifeShield National | $166 | $137 | $1,992 | $1,649 |
| New Era | $170 | $133 | $2,040 | $1,601 |
| AFLAC | $179 | $124 | $2,148 | $1,493 |
| Wisconsin Physicians Service | $181 | $122 | $2,172 | $1,469 |
Best Medicare Supplement Plan N in Tennessee
Plan N costs from $91 to $103 monthly in Tennessee, depending on pricing style. SilverScript offers the cheapest Plan N at $91 monthly, 33% below average, saving Tennessee residents $540 annually. Farm Bureau Insurance ($95 monthly) and MedMutual Protect ($95 monthly) provide competitive rates.
| SilverScript | $91 | $98 | $1,092 | $1,171 |
| Farm Bureau Insurance | $95 | $94 | $1,140 | $1,123 |
| MedMutual Protect | $95 | $94 | $1,140 | $1,123 |
| New Era | $98 | $91 | $1,176 | $1,087 |
| Government Personnel Mutual | $100 | $89 | $1,200 | $1,063 |
| LifeShield National | $101 | $88 | $1,212 | $1,051 |
| AFLAC | $103 | $86 | $1,236 | $1,027 |
Personalized Tennessee Medicare Supplement Plan Recommendations
Filter the table below by plan type, age and deductible preference to compare rates from Tennessee insurers.
Data filtered by:
A
Select
No
| State Farm | A | No | 65 | $65 | $0 | Attained Age Pricing |
| Farm Bureau Insurance | A | No | 65 | $95 | $0 | Attained Age Pricing |
| Blue Cross Blue Shield | A | No | 65 | $96 | $0 | Attained Age Pricing |
| SilverScript | A | No | 65 | $102 | $0 | Attained Age Pricing |
| New Era | A | No | 65 | $121 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $124 | $0 | Attained Age Pricing |
| Wisconsin Physicians Service | A | No | 65 | $127 | $0 | Attained Age Pricing |
| LifeShield National | A | No | 65 | $134 | $0 | Attained Age Pricing |
| Wellcare | A | No | 65 | $134 | $0 | Attained Age Pricing |
| Bankers Life | A | No | 65 | $139 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Tennessee
Tennessee's 65-year-olds pay an average of $209 monthly for Medicare Supplement insurance across 10 standardized plan types. Premiums range from $115 monthly for Plan K to $311 monthly for Plan C. The three most popular plans have different price points: Plan G averages $232 monthly, Plan F averages $303 monthly and Plan N averages $189 monthly. Annual premiums span from $1,380 to $3,732 depending on which plan type you choose. Your actual cost depends on which provider you select, your age and your insurer's pricing style.
| A | $194 | $2,328 |
| B | $241 | $2,892 |
| C | $311 | $3,732 |
| D | $194 | $2,328 |
| F | $303 | $3,636 |
| G | $232 | $2,784 |
| K | $115 | $1,380 |
| L | $174 | $2,088 |
| M | $135 | $1,620 |
| N | $189 | $2,268 |
How to Choose the Best Medicare Supplement Plan
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.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums often cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Tennessee Medicare Resources
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.
Medicare Supplement Plans in Tennessee: FAQ
Common questions about Medicare Supplement insurance for Tennessee residents answered below.
When is Medicare Supplement open enrollment in Tennessee?
Medicare Supplement open enrollment begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Tennessee Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
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.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.