Medigap plans in Tennessee are designed to help Medicare beneficiaries pay for costs associated with Original Medicare Part A and Part B which includes copayments, coinsurance, and deductibles. When Tennessee residents turn 65 and enroll in Medicare Part B in the state of Tennessee there is a six month open enrollment period where a person cannot be denied for any Medigap plan. However, if a person has a pre-existing condition, a six month waiting period may be enforced. It is critical to enroll during this open enrollment period. Plan ahead! Open enrollment means a simpler enrollment process and potentially lower premiums.

There are ten Medigap plans available in Tennessee. Every plan offers basic benefits although some of these plans pay different percentages of these basic benefits.

Medicare Part A

Basic benefits

Medicare Part B

Basic benefits and Medicare Part A deductible

Medicare Plan C (Medicare Advantage Plan)

Basic benefits, skilled nursing, Medicare Part A and Part B deductible, foreign travel emergencies

Medicare Plan D

Basic benefits, skilled nursing, Medicare Part A deductible, foreign travel emergencies

Medigap Plan F and F Prime

Basic benefits, skilled nursing, Medicare Part A and Part B deductible, Medicare Part B excess at 100%, foreign travel emergency

Medigap Plan G

Basic benefits, skilled nursing, Medicare Part A deductible, Medicare Part B excess at 100%, foreign travel emergency

Medigap Plan K

Basic benefits at 50%, hospitalization and preventative care at 100%, skilled nursing at 50%, Medicare Part A deductible at 50%, out of pocket limit at $4,640

Medigap Plan L

Basic benefits at 75%, hospitalization and preventative care at 100%, skilled nursing at 75%, Medicare Part A deductible at 75%, out of pocket limit at $2,320

Medigap Plan M

Basic benefits, Medicare Plan B coinsurance at 100%, skilled nursing, Medicare Part A deductible at 50%, foreign travel emergency

Medigap Plan N

Basic benefits, Medicare Plan B coinsurance at 100% except office visit co-pays of $20.00 and emergency room visits at $50, skilled nursing coinsurance, Medicare Part A deductible, foreign travel emergency

In addition, Medicare Advantage has extra coverage which includes hearing, vision, dental, and a wellness program which makes most residents to go for the offer. Medicare Advantage is sometimes called Medicare Part C and it works by replacing Medicare Parts A and B of traditional Medicare. Medicare Advantage programs also includes prescription drug coverage which is not available in Medigap policies except the fact that Medicare Advantage recipients can only see doctors within preferred networks.

Learn more about plans & rates in Tennessee at http://emedigap-plans.com/tennessee-medicare-supplement-plans. Our Tennessee Medigap Insurance brokers will help you compare Insurance rates and plans in Tennessee today. To talk to an expert in Tennessee Medigap coverage, call toll free 888-452-7949 today!