Find 2018 Medicare Plans in Tennessee - TN Medicare Insurance Overview

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Tennessee Medicare Insurance

Medicare in Tennessee

Medicare offers healthcare coverage to Tennessee residents age 65 or older, or to those Tennessee residents that suffer from certain medical disabilities. In 2016, 1,202,000 people are enrolled in Medicare in Tennessee, accounting for 18.4% of the population in Tennessee. In 2009 approximately $10,024 was spent on each Medicare enrollee in Tennessee, about 3.29% lower than the national average of $10,365. From 2015 to 2030 the senior population in Tennessee is projected to increase by an estimated 46.32% according to calculations based off of the 2000 Census. Therefore the number of eligible Medicare beneficiaries in the state is also expected to grow.

Local Medicare Resources

Medicare beneficiaries, their families, and their caregivers in Tennessee can receive free, one-on-one, and unbiased health insurance counseling through the Tennessee State Health Insurance Assistance Program (SHIP). Additionally, the state participates in a Senior Medicare Patrol (SMP) program which aims to educate individuals on how to identify, avoid, and report instances of possible healthcare fraud, errors, and/or abuse.

Types of Medicare Coverage

Individuals that qualify for Medicare can sign up for Medicare Part A (hospital services) and Part B (medical services) through the Federal government. Part A is generally paid for by paycheck deductions from their working years (or their spouse's) but most Medicare beneficiaries pay for Part B through monthly premiums unless they qualify for financial assistance. If you are eligible for Original Medicare (Parts A & B) or if you are already enrolled in it, you also have the option to enroll in a Medicare Advantage plan (Part C) instead of Original Medicare or add a standalone prescription drug plan (Part D) to your current Original Medicare coverage. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage (MAPD) or purchase a standalone prescription drug plan to go with their Original Medicare coverage. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Additional benefits of Medicare Advantage plans such as dental, vision, or hearing coverage can help reduce out-of-pocket expenses for seniors with certain medical needs.

Tennessee 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Tennessee is $46.61, 25.4% less than the national average of $62.48. 44.13% of 2017 Medicare Part C insurance plans in Tennessee have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Tennessee the average annual drug deductible for Medicare Part C insurance plans with drug components is $84.87. 66.35% of 2017 Medicare Part C insurance plans with a drug component in Tennessee have a $0 annual drug deductible.
  • The average total monthly premium for a 2017 Medicare Advantage plan without a drug component in Tennessee is $7.5. 83.33% of 2017 Medicare Part C insurance plans without a drug component in Tennessee have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Tennessee is $5,583.81. 10.71% of 2017 Medicare Advantage plans in Tennessee had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Tennessee was 3.5 stars in 2017.
  • Among Tennessee's 2017 Medicare Advantage plans with CMS star ratings:
    • 43.09% earned a score of 4 or 4.5 stars
    • 39.03% earned a score of 3 or 3.5 stars
    • 17.88% earned a score of 2 or 2.5 stars

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

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Tennessee Medicare Insurance Companies

There are 21 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Tennessee. Of these, the companies that offer the largest variety of plans to choose from are Humana, UnitedHealthcare, and Anthem BCBS. In Tennessee,. The following are all medicare insurance providers in Tennessee:

2018 Featured Medicare Plans in Tennessee

There are 71 medicare plans in Tennessee. The following are the 10 highest rated medicare plans in Tennessee based on their CMS rating for the plan's overall quality.

Monthly CostPlan NameCMS Rating
from $0Humana - Humana Gold Plus H4461-029 (HMO) - Bedford County
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from $0Humana - Humana Gold Plus H4461-034 (HMO) - Carter County
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from $17Humana - Humana Gold Plus H4461-025 (HMO) - Fayette County
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from $39Humana - Humana Gold Plus H4461-004 (HMO) - Anderson County
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from $41Humana - Humana Gold Plus H4461-031 (HMO) - Bledsoe County
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from $107Humana - Humana Gold Plus H4461-030 (HMO) - Anderson County
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from $0UnitedHealthcare - AARP MedicareComplete Plus Plan 1 (HMO-POS) - Anderson County
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from $0UnitedHealthcare - AARP MedicareComplete Plan 1 (HMO) - Davidson County
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from $0Aetna - Aetna Medicare Premier Plan (PPO) - Cannon County
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from $0BlueCross BlueShield of Tennessee - BlueAdvantage Sapphire (PPO) - Anderson County
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Tennessee Featured Medicare Plans for Managing High Blood Pressure

The following are the 5 highest rated medicare plans in Tennessee based on their CMS rating for the plan's ability for controlling high blood pressure.

Monthly CostPlan NameCMS Rating
from $55Cigna-HealthSpring - Cigna-HealthSpring Premier (HMO-POS) - Bedford County
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from $27Humana - HumanaChoice R7315-002 (Regional PPO)
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from $26Cigna-HealthSpring - Cigna-HealthSpring Primary (HMO) - Bradley County
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from $8Cigna-HealthSpring - Cigna-HealthSpring Preferred KNX (HMO) - Anderson County
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from $0Cigna-HealthSpring - Cigna-HealthSpring Preferred (HMO) - Bedford County
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Tennessee Featured Medicare Plans for Managing Diabetes

The following are the 5 highest rated medicare plans in Tennessee based on their CMS rating for the plan's ability for diabetes care including: eye exam, kidney disease monitoring, blood sugar controlled and cholesterol controlled.

Monthly CostPlan NameCMS Rating
from $0Aetna - Aetna Medicare Premier Plan (PPO) - Cannon County
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from $72Humana - HumanaChoice H5216-097 (PPO) - Bedford County
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from $71Humana - HumanaChoice H5216-098 (PPO) - Bledsoe County
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from $67Humana - HumanaChoice H5216-099 (PPO) - Anderson County
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from $59Humana - HumanaChoice H5216-093 (PPO) - Fayette County
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Tennessee Featured Medicare Plans for Managing Rheumatoid Arthritis

The following are the 5 highest rated medicare plans in Tennessee based on their CMS rating for the plan's ability for rheumatoid arthritis management.

Monthly CostPlan NameCMS Rating
from $213BlueCross BlueShield of Tennessee - BlueAdvantage Diamond (PPO) - Anderson County
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from $102BlueCross BlueShield of Tennessee - BlueAdvantage Ruby (PPO) - Bedford County
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from $0BlueCross BlueShield of Tennessee - BlueAdvantage Garnet (PPO) - Benton County
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from $0BlueCross BlueShield of Tennessee - BlueAdvantage Sapphire (PPO) - Anderson County
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from $27Aetna - Aetna Medicare Value Plan (HMO) - Cheatham County
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Tennessee Featured Medicare Plans for Managing Osteoporosis

The following are the 5 highest rated medicare plans in Tennessee based on their CMS rating for the plan's ability for osteoporosis management.

Monthly CostPlan NameCMS Rating
from $55Cigna-HealthSpring - Cigna-HealthSpring Premier (HMO-POS) - Bedford County
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from $27Humana - HumanaChoice R7315-002 (Regional PPO)
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from $27Aetna - Aetna Medicare Value Plan (HMO) - Cheatham County
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from $26Cigna-HealthSpring - Cigna-HealthSpring Primary (HMO) - Bradley County
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from $8Cigna-HealthSpring - Cigna-HealthSpring Preferred KNX (HMO) - Anderson County
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Most Popular Medicare Doctors in Tennessee

The following are the most popular medicare doctors in Tennessee based on the provider utilization and payment data published by the U.S. Department of Health & Human Services.

NameSpecialtyLocation
RadiologyINGLEWOOD, CA
SurgeryCHATTANOOGA, TN
Internal MedicineLEXINGTON, TN
SurgeryPARIS, TN
SpecialistCHATTANOOGA, TN
RadiologyMEMPHIS, TN
RadiologyGOODLETTSVILLE, TN
Orthopaedic SurgeryCHATTANOOGA, TN
SurgeryTULLAHOMA, TN
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Browse Medicare Plans by Cities

  1. Memphis, TN
  2. Nashville, TN
  3. Knoxville, TN
  4. Chattanooga, TN
  5. Clarksville, TN
  6. Murfreesboro, TN
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