Table of Contents
Medicare Plans by State
Table of Contents
- The Top 10 Medicare Advantage Plans in Tennessee
- How Medicare Advantage Plans Work in Tennessee
- What Medicare Advantage Plans Cover in Tennessee
- Eligibility for Medicare Advantage in Tennessee
- State-Wide Medicare Advantage Resources
- Local Medicare Advantage Resources
Page Reviewed / Updated – September 17, 2022
Medicare Advantage allows people enrolled in Medicare to combine the benefits of Original Medicare Parts A and B into a single plan managed by a private insurance company rather than the federal government. Known as Medicare Part C, Medicare Advantage Plans must give the same benefits as enrolling in Parts A and B (except for hospice care). Insurance companies offer seniors additional benefits if they choose an Advantage Plan, such as dental, vision and hearing coverage, prescription drug plans and discounted wellness services.
While seniors may enroll in Medicare Part D regardless of whether they have Original Medicare or an Advantage Plan, this is often unnecessary. The Centers for Medicare and Medicaid Services regulate Advantage Plans to ensure they provide the same basic coverage as the traditional Medicare program, but private insurance companies do have the right to set their own rules regarding eligibility, out-of-pocket limits, what medications are covered, how to see a specialist and coinsurance.
Of Tennessee’s 1.4 million Medicare-eligible adults, over 570,000 are enrolled in Medicare Advantage Plans in 2020, which represent almost 42% of all Medicare recipients in the state. The national average is also 42%.
This guide reviews what Medicare Advantage is, what Advantage Plans in Tennessee cover, how seniors can qualify for an Advantage Plan and when and where to enroll in a plan.
The Top 10 Medicare Advantage Plans in Tennessee
Tennessee has multiple insurance companies offering Medicare Advantage Plans, giving Tennessee residents plenty of options when it comes to selecting coverage. The following table reviews the top 10 insurance providers based on current enrollment numbers. Insurance companies may offer multiple types of Medicare Advantage Plans, so the information includes price ranges instead of average monthly premiums. It also lists the total enrollment in all plans that an insurance company provides rather than individual plans.
This information was last updated in April 2022. Seniors who want more current information about Advantage Plans in Tennessee can visit Medicare.gov for the latest updates.
BlueCross BlueShield of Tennessee
AMERIGROUP Community Care
BlueCare Plus Tennessee
Blue Cross Blue Shield of Michigan
How Medicare Advantage Plans Work in Tennessee
Seniors should educate themselves on how Medicare Advantage differs from Original Medicare before seeking an Advantage Plan. Insurance companies offer different types of Medicare Advantage plans, such as Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans. The rules for eligibility, out-of-pocket maximums, coinsurance, in-network vs. out-of-network coverage and specialist referrals all vary by plan. Below is a review of the four primary types of Advantage Plans.
What Medicare Advantage Plans Cover in Tennessee
Medicare Advantage Plans must offer the same level of coverage provided through Original Medicare (Parts A and B). The only exception is hospice care, which remains covered by Medicare Part A. An Advantage Plan will cover annual physicals, preventative care, diagnostic tests, emergency care, inpatient care, outpatient procedures, medical transportation and medical devices and supplies. Providers can offer additional benefits, such as coverage for vision, dental or hearing care and discount programs that allow seniors to access meal programs, gyms and other wellness programs at a reduced price.
Coverage Available With Medicare Parts A & B?
Coverage Available With Medicare Advantage?
Durable Medical Equipment
*Select plans offer this coverage
** Most plans offer this coverage
Eligibility for Medicare Advantage in Tennessee
Medicare is available to all adult U.S. citizens or legal residents who are over 65 years old or have a disability that qualifies them for enrollment. To enroll in an Advantage Plan, someone must first enroll in Original Medicare Parts A and B and then live in the service area covered by their chosen plan. Enrollees must also meet the eligibility requirements decided by the insurance company managing the plan.
There are several types of enrollment periods that allow seniors to sign up for Medicare coverage. Missing an enrollment period could result in costly penalties, so it’s important for seniors to be aware of when their enrollment periods begin and end. Once seniors enroll in an Advantage Plan, they can change their coverage once a year during the annual election period. The following list offers more information about enrollment periods.
- Initial Coverage Election Period: This is the initial 7-month period, coinciding with one’s 65th birthday, during which everyone is eligible to enroll in a Medicare Advantage plan.
- Annual Election Period (AEP): Also referred to as the Open Enrollment Period, this the time of year when anyone over 65 can enroll in Medicare Advantage for the first time or change to a new plan.
- Medicare Advantage Open Enrollment Period: During this period, those who are already enrolled in Medicare Advantage can switch to a different plan or switch back to Original Medicare.
Initial Coverage Election
3 Months Before One’s
3 Months After One’s
Annual Election Period
Medicare Advantage Open
Additionally, Medicare Advantage plan participants can change their plan outside of these enrollment periods under certain qualifying circumstances, such as moving to a new state.
How to Find & Choose a Medicare Advantage Plan in Tennessee
Navigating the many intricacies of Medicare Advantage plan types, insurers, and the specific plan options available by region can be a difficult and time-consuming task. Below are several resources we’ve created to help you through the process.
First is a downloadable PDF that you can use as a guide to help you compare plans as you research. Finally, we have listed a number of organizations that you can contact with experts that will help you determine whether Medicare Advantage is right for you and what plans you should consider.
State-Wide Medicare Advantage Resources
TennCareis Tennessee’s state Medicaid plan. While it doesn’t administer Medicare plans, it does provide some assistance to individuals who require assistance determining their eligibility for Medicaid or Medicare programs. Additionally, it offers benefits coordination assistance to beneficiaries who are dually eligible for Medicaid and Medicare.
- (855) 259-0701
Seniors can contact TennCareby calling (855) 259-0701.
Tennessee Department of Commerce & Insurance
TheTennessee Department of Commerce & Insuranceregulates all health insurance providers throughout the state, including those that provide Medicare Advantage plans. Seniors can contact this department if they wish to verify an insurance agent or file a complaint about their provider. This department alsooffers consumer education resources about Medicare Advantage and other insurance policies.
- (615) 741-2241
Seniors who wish to contact the Tennessee Department of Commerce & Insurance can call (615) 741-2241.
Tennessee State Health Insurance Assistance Program
State Health Insurance Assistance Programs (SHIP) are federally-funded programsthat are available in every state. In Tennessee, theSHIP programoffers regular educational and counseling events in various cities throughout the state for Medicare beneficiaries and potential enrollees. These events help seniors to access the information they need to choose appropriate Medicare or Medicare Advantage plans to suit their needs.
Tennessee Department of Veterans Services
Seniors who are U.S. veterans, as well as their immediate family members and dependants, can access health insurance counseling from the Tennessee Department of Veterans Services. This department administers its own benefits but can also provide coordination and other assistance services to those who carry Medicare Advantage policies.
- (615) 741-2345
- 312 Rosa L. Parks Avenue. in Nashville.
The Tennessee Department of Veterans Services is located at 312 Rosa L. Parks Avenue. in Nashville. Seniors can call this department at (615) 741-2345 or email [emailprotected]formore information.
Tennessee Aging & Disability Resource Center
TheAging and Disability Resource Center(ADRC)offers a variety of services and supports for seniors and their caregivers. Its staff are qualified to provide insurance counseling services to Medicare Advantage beneficiaries. Other services that seniors can access at ADRC locations include transportation services, nutritional counseling and caregiver training.
- (866) 836-6678
Seniors can contact Tennessee’s ADRCby calling (866) 836-6678.
Local Medicare Advantage Resources
Southeast Tennessee Area Area Agency on Aging and Disability
ThisArea Agency on Aging office serves seniors in 13 counties in the Nashville area and throughout Southeast Tennessee. The office provides information and assistance to seniors in a variety of matters.Itsservices include insurance counseling for Medicare participants.
- (866) 836-6678
- 1000 Riverfront Parkway in Chattanooga
Seniors can visit this Area Agency on Aging office in-person at 1000 Riverfront Parkway in Chattanooga or call (866) 836-6678 for more information about the programs and services that are available.
Greater Nashville Regional Council Aging and Disability Programs
The Greater Nashville Regional Council (GNRC) offersMedicare counseling services for senior citizens as part of the federal SHIP program. The services provided by this program are free of charge and this organization is not affiliated with any insurance providers; therefore, information provided to beneficiariesis entirely non-biased.
- (615) 862-8828
- Greater Nashville Regional Council at 220 Athens Way, Suite 200 in Nashville
Seniors canvisit the Greater Nashville Regional Council at 220 Athens Way, Suite 200 in Nashville or call (615) 862-8828 for more information.
Aging Commission of the Mid-South
Serving seniors in Shelby County, the Aging Commission of the Mid-Southhelps seniors with a variety of free and low-cost supports and services. This Area Agency on Aging and Disability employs SHIP-certified insurance counselors who provide seniors with Medicare counseling, as well as assistance with Medicare Advantage claims, appeals and complaints.
- (901) 222-2300
- Vasco A. Smith, Jr. County Administration Building at 160 North Main St. in Memphis
The Aging Commission of the Mid-South is located in the Vasco A. Smith, Jr. County Administration Building at 160 North Main St. in Memphis. For more information about the programs and support services this office offers, seniors can call (901) 222-2300.
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