October 6, 2016
Searching for Medicare Supplement plans in Tennessee? Let PlanPrescriber be your resource for Tennessee Medicare Supplement information and plan comparisons.
Tennessee residents enrolled in Medicare Part A and Part B have the option of enrolling in a Medicare Supplement (Medigap or MedSupp) plan to cover the out-of-pocket health-care costs that Original Medicare does not cover, including deductibles, copayments, coinsurance, and other out-of-pocket costs. In most states, including Tennessee, there are up to ten standardized Medigap policy options, each labeled with a letter. All plans named with the same letter offer the same standard set of benefits. Some companies may offer additional innovative benefits.
There are 10 standardized Medigap plans available in Tennessee, but availability may vary within the state. While each Medigap plan named with the same letter includes the same coverage, the different Medigap plans do have some benefits in common. For example, every plan covers Medicare Part A hospital coinsurance up to 365 days after Original Medicare benefits are used – and no standardized Medicare Supplement plan sold today includes prescription drug coverage.
Plans K and L are considered lower-premium, higher out-of-pocket cost plans and offer less standard coverage than the other plans until enrollees reach the out-of-pocket limit. While most plans cover the entirety of Medicare Part B copayments or coinsurance amounts, Plan K only covers 50% and Plan L only covers 75%. Other coverage details are listed in the chart below.
Click here to read about enrolling in Medicare Supplement plans.
Here’s a chart that lists the 10 standardized Medigap plans that may be available in Tennessee and what each plan covers. An X means that the service is 100% covered; a percentage value shows what percent of the service is covered; and a blank cell indicates it is not covered.
|Medicare Supplement Plans|
|Medicare Supplement Benefits||A||B||C||D||F*||G||K||L||M||N|
|Medicare Part A coinsurance and hospital costs up to an additional
365 days after Medicare benefits are exhausted
|Medicare Part B copayment or coinsurance||X||X||X||X||X||X||50%||75%||X||X***|
|First three pints of blood||X||X||X||X||X||X||50%||75%||X||X|
|Medicare Part A hospice care coinsurance or copayment||X||X||X||X||X||X||50%||75%||X||X|
|Skilled nursing facility (SNF) care coinsurance||X||X||X||X||50%||75%||X||X|
|Medicare Part A deductible||X||X||X||X||X||50%||75%||50%||X|
|Medicare Part B deductible||X||X|
|Medicare Part B ‘excess charges’||X||X|
|Foreign travel emergency coverage (up to plan limits)||80%||80%||80%||80%||80%||80%|
|Medicare Part B preventive care coinsurance||X||X||X||X||X||X||X||X||X||X|
|Out-of-pocket limits apply**|
*There is a high-deductible version of Medicare Supplement Plan F available in some areas. Under this plan, you pay a certain deductible amount before the plan begins coverage. This amount may change annually.
**Once you reach the out-of-pocket limits (including the Part B deductible), both Medicare Supplement Plans K and L pay 100% of covered services in the above chart for the remainder of the calendar year.
***Medicare Supplement Plan N pays 100% of the Medicare Part B coinsurance, except for a copayment of up to $20 on doctor visits and up to $50 on emergency room visits that don’t result in an inpatient admission.
The state of Tennessee offers a special type of Medigap plan to certain retired public and education employees who are eligible for Medicare Part A. It’s called the Tennessee Plan.
The Tennessee Plan may be available at a reduced premium if you have worked at least 15 years as an educator or public employee. You typically can’t be denied coverage if you apply within 60 days of your Medicare Part A eligibility. Your premium won’t increase based on your age.
For more information, go to www.tn.gov or contact the POMCO Group (the company that administers claims for the Tennessee Plan). You can call the POMCO Group at 1-888-477-9307 (TTY users: 1-866-256-7256) Monday through Friday, from 8AM to 6PM Eastern Time.
Medigap plan availability and premiums may vary throughout Tennessee. To start comparing Medicare Supplement plans in Tennessee today, enter your zip code above for a customized list of plans available in your area.
Learn more about how Medicare plans work in Tennessee including:
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.