The Best Tennessee Medicare Supplement Plans (2022)

Medicare Supplement plans, or Medigap, are sold by private companies to assist fill in the "gaps" in Original Medicare. There are ten types of Medicare Supplement plans available in Tennessee.

Of the providers evaluated, Cigna offers the best Medicare supplement plans in Tennessee for the most popular plan types: Plan G, F and N.

It’s important to note that you cannot buy both a Medigap and a Medicare Advantage plan in Tennessee. A Medicare Advantage plan will replace your entire Medicare plan, including Original Medicare.

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Last Updated: 6/24/2022
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In Tennessee, Medicare Supplement plans cost an average of $106 for 65-year-olds and $182 for 75-year-olds every year.

Plan G and Plan F are the most popular plans due to their comprehensive coverages. The average monthly cost of Plan G and Plan F is $108.10 and $234.32 per month, respectively. Although Plan F is among the most popular Medicare Supplement plans, it’s only available to those eligible for Medicare before 2020.

Plan N, at an average monthly cost of $100.10 for 65-year-olds, is the next most popular plan.

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Best Medicare Supplement Plans in Tennessee

Best Medicare Supplement Plan G in Tennessee

At an average cost of $119.52 per month, Cigna offers the best Medicare Supplement Plan G in Tennessee.

MoneyGeek only evaluated companies that offer online quotes, so there could be Medicare Supplement plan providers in Tennessee that don't offer online quotes but have superior rates and options for your needs.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $119.52

Cigna's Medicare Supplement Plan G costs an average of $119.52 per month in Tennessee, which is slightly less than the average cost of Plan G in the state of $133.50.

This plan includes almost as much coverage as Plan F, which offers the highest level of coverage with no out-of-pocket expenses for Medicare-covered services. However, with Plan G, you'll have to first pay the Medicare Part B (Medical) annual deductible before your payments are covered.

MORE ABOUT PLAN G IN TENNESSEE

Navigate to learn more about Medigap Plan G in Tennessee, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Tennessee

In Tennessee, Plan G costs $133.50 per month, on average. However, costs may vary based on your age when you purchased the policy, your current age, available discounts and other medical underwriting considerations.

For example, Aetna provides the cheapest Plan G for 65-year-olds in Tennessee, with an average monthly rate of $80.90, while Blue Cross Blue Shield of Tennessee offers the most expensive plan, at an average monthly rate of $124.90. This means that you could save up to $44 each month by comparing providers.

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65

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  • Company
    Sample Monthly Rate
  • Aetna
    $81
  • Cigna
    $120
  • UnitedHealthcare
    $121
  • Blue Cross Blue Shield of Tennessee
    $125

Providers Offering Plan G in Tennessee

Medicare Supplement Plan G is available from 41 companies in Tennessee, but not all of them provide online quotes.

To receive more information about a provider, you should contact them directly for a quote. MoneyGeek compiled the contact information and pricing styles for all providers in Tennessee so you can easily see which ones may charge more based on age and narrow down your options.

Providers Offering Plan G in Tennessee

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of Tennessee
    1-800-565-9140
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan G Cover?

All Medicare Supplement plans are standardized and must include certain coverages. Plan G, though comprehensive in its coverage, does not cover Part B deductibles. Foregin travel exchange is also covered at 80% up to the plan’s limits. Additional benefits may be available depending on your provider, such as Cigna's Healthy Rewards Program and Health Information Line.

Required Benefits of Plan G in Tennessee
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Tennessee

Based on MoneyGeeks in-depth analysis, Cigna also offers the best Medicare Supplement Plan F in Tennessee, with an average cost of $176.83. For Medicare-covered services, this plan provides the most coverage with the least out-of-pocket payments.

Because MoneyGeek only ranked companies that provide online quotes, there may be Medicare Supplement plan providers in Tennessee who do not offer online quotes but can provide you with cheaper rates or more coverage options.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $176.83

Cigna's Plan F costs an average of $176.83 per month, which is significantly less than Tennessee's $234.30 average monthly rate. The company’s Healthy Rewards Program, Health Information Line and Foreign Travel Emergency are all significant benefits, with the latter assisting in the payment of emergency care anywhere in the world.

While the core coverage of Medicare Supplement Plan F is the same regardless of which provider you choose, Cigna offers additional benefits including competitive rates and a 7% household premium discount to qualified applicants in all states except Hawaii, Idaho, Minnesota and Vermont.

MORE ABOUT PLAN F IN TENNESSEE

Navigate to learn more about Medigap Plan F in Tennessee, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Tennessee

Plan F costs an average of $234.30 per month in Tennessee, but costs can differ significantly by provider. Cigna has the cheapest Plan F for 75-year-olds, at an average cost of $176.80 per month, while UnitedHealthcare has the most expensive plan at $308 per month.

Plan F costs can also vary depending on your age at the time of purchase, your current age, discounts and medical underwriting considerations.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • Aetna
    $143

Providers Offering Plan F in Tennessee

Only a few of the 40 companies that provide Medicare Supplement Plan F in Tennessee offer quotes online.

To obtain quotes from companies that don’t include their pricing information online, we recommend contacting them directly using the information below. We’ve also included the company’s pricing strategy, so you can see which ones charge more based on age before reaching out.

Providers Offering Plan F in Tennessee

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of Tennessee
    1-800-565-9140
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan F Cover?

Plan F, like all Medicare supplement plans in Tennessee, is standardized and offers certain benefits. Though Plan F is the most comprehensive plan available, it still only covers up to 80% of overseas travel exchange within your plan's restrictions.

Additional features may be available from different providers, like Cigna's Healthy Rewards Program and Health Information Line services.

Required Benefits of Plan F in Tennessee
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Tennessee

At an average monthly cost of $77.34, Cigna also offers the best Medicare Supplement Plan N in Tennessee.

MoneyGeek's list only includes companies that provide online estimates. Other Tennessee Medicare Supplement Plan N providers may offer lower rates, but you'll have to contact them directly for more information about their prices and coverage.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $77.34

Cigna’s monthly rate for Plan N is $53.86 cheaper than the average rate in Tennessee of $131.20. For individuals searching for reduced monthly premiums and predictable out-of-pocket costs, this plan is a decent option. It includes Cigna’s Healthy Rewards Program, Health Information Line and Foreign Travel Emergency.

If you have Plan N, you’ll pay a copayment of up to $20 for a doctor’s visit, or up to $50 for an emergency room visit. You're also responsible for any excess costs, which are extra fees that a doctor may include for procedures not covered by Medicare.

MORE ABOUT PLAN N IN TENNESSEE

Navigate to learn more about Medigap Plan N in Tennessee, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Tennessee

Plan N costs an average of $131.20 per month in Tennessee. The cost of Medicare Supplement Plan N varies depending on a variety of factors, including your age, discounts, and medical underwriting.

For a 65-year-old in Tennessee, the cheapest Plan N is offered by Cigna at $77.30 per month. This is $41.50 cheaper than the most expensive Plan N offered by Blue Cross Blue Shield of Tennessee, with rates of $118.80 per month.

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  • Company
    Sample Monthly Rate
  • Cigna
    $77
  • Aetna
    $86
  • UnitedHealthcare
    $109
  • Blue Cross Blue Shield of Tennessee
    $119

Providers Offering Plan N in Tennessee

In Tennessee, there are 37 providers offering Medical Supplement Plan N, but not all of them provide online estimates. For those providers that don’t offer online quotes, you’ll have to reach out to them directly for pricing information.

MoneyGeek gathered the contact and pricing information for all Plan F providers in Tennessee to help you figure out which provider best meets your needs.

Providers Offering Plan N in Tennessee

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Blue Cross Blue Shield of Tennessee
    1-800-565-9140
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • elipsLife
    (877)969-5675
    Attained Age

What Does Plan N Cover?

All Medicare supplement plans are required to cover at least some benefits. Plan N does not include Part B deductible coverage and only pays for 80% of overseas travel expenses up to the plan's limit.

Cigna's Plan N offers a variety of benefits, including the Healthy Rewards Program and the Health Information Line.

Required Benefits of Plan N in Tennessee
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Tennessee: Other Plan Types

Aside from Plans F, G and N, other plan categories are available for purchase. Because they normally provide less comprehensive coverage, these plans are less popular.

According to MoneyGeek's research, Cigna provides the best Medicare Supplement plans in Tennessee. Medicare supplement companies in Tennessee that provide online estimates include UnitedHealthcare, Blue Cross Blue Shield of Tennessee, Cigna and Aetna.

Keep in mind that if you become eligible for Medicare after January 1, 2020, Plan C will be unavailable in Tennessee or any other state.

The Best Medicare Supplement in Tennessee - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Blue Cross Blue Shield of Tennessee

  • A

    UnitedHealthcare

  • B

    Aetna

  • C

    Blue Cross Blue Shield of Tennessee

  • D

    Blue Cross Blue Shield of Tennessee

  • F

    Cigna

  • G

    Cigna

  • K

    UnitedHealthcare

  • L

    UnitedHealthcare

  • N

    Cigna

How to Find the Best Medicare Supplement Plans in Tennessee

MoneyGeek developed a chart that includes pricing information from a variety of companies to help you easily find the best Medicare Supplement provider in Tennessee.

Tennessee Medicare Supplement Plans Comparison Chart

In terms of coverage and availability, Medigap policies vary. Plan F and C, for example, offer the most comprehensive coverage but aren't available to new enrollees, so Plan G or Plan D are your best alternatives.

MoneyGeek's chart allows you to compare Medicare Supplement plans in Tennessee side by side, showing the differences in coverage as well as the average cost.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Tennessee

The cost of Medicare Supplement plans varies depending on the plan and provider you select. Of the providers and plan types, UnitedHealthcare offers the cheapest Plan K and Plan L. Blue Cross Blue Shield of Tennessee has the least expensive rates for Plans A, C and D. Cigna offers the least expensive options for Plan F and Plan N, and Aetna offers the cheapest Plan G.

The pricing method used by the provider will also affect the price of your plan. One of three pricing styles is commonly used:

  • Attained-Age: This is the most common pricing style used for Medicare Supplement plans in Tennessee . Your rates will grow as you become older because your rate is influenced by your current age.
  • Issue-Age: This is the second most common pricing style used for Medicare Supplement plans in Tennessee. When you buy your coverage, the price is set by your age, and it will not change as you get older.
  • Community-Rated: Each policyholder in a particular plan type pays the same monthly premium. Insurers do not use this pricing mechanism for Plans D and M.
Average Cost of Medicare Supplement in Tennessee

Sort by Plan Letter:

A

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Tennessee
    $78
  • UnitedHealthcare
    $98
  • Aetna
    $101
  • Cigna
    $117

FAQs About Medicare Supplement Plans in Tennessee

You might be wondering if you qualify for Medicare, which plan is best for you or how much your plan will cost. To help make the process of selecting a plan and provider easier for you, MoneyGeek answered the most frequently asked questions about Medicare Supplement plans in Tennessee.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Tennessee for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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