Medicare Advantage Plans in Tennessee (2023)

Medicare Advantage

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.

Name

Total Enrollment

Star Rating

Min Cost

Max Cost

Plan Types

UnitedHealthcare

172,500

3.5

$0

$33

HMO, PPO

Humana

172,139

3.5

$0

$110

HMO, PPO

BlueCross BlueShield of Tennessee

138,513

4.5

$31

$217

PPO

Cigna

84,423

3.5

$0

$57

HMO, PPO

AMERIGROUP Community Care

27,406

$23

$23

HMO

Wellcare

24,382

3.5

$0

$22

HMO, PPO

BlueCare Plus Tennessee

21,567

$0

$0

HMO

Aetna Medicare

20,832

4

$15

$24

HMO, PPO

Amerigroup

5,859

3.5

$15

$31

HMO

Blue Cross Blue Shield of Michigan

5,001

$0

$0

PPO

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.

Medicare Advantage Plans in Tennessee (1)

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?

Preventive Screenings

Yes

Yes

Hospital Care

Yes

Yes

Durable Medical Equipment

Yes

Yes

Prescription Drugs

No

Yes**

Vision Care

No

Yes*

Dental Care

No

Yes*

Hearing Aids

No

Yes*

*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.

Start Date

End Date

Initial Coverage Election
Period

3 Months Before One’s
65th Birth Month

3 Months After One’s
65th Birth Month

Annual Election Period
(AEP)

October 15th

December 7th

Medicare Advantage Open
Enrollment Period

January 1st

March 31st

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.

Download PDF

State-Wide Medicare Advantage Resources

TennCare

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.

Contact Info

  • (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.

Contact Info

  • (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.

Contact Info

  • (877) 801-0044

Seniors can contact SHIP via email at [emailprotected] or by phone at (877) 801-0044. In-person counseling is available atvarious locations throughout the state.

Visit Website Email

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.

Contact Info

  • (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.

Email

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.

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.

Contact Info

  • (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.

Contact Info

  • (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.

Contact Info

  • (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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