Tennessee Original Medicare Health Plans


Thinking of applying for a Medicare Health Plan in Tennessee?

Experts from the O'Neal Insurance Group are here to help you choose the best option!


An Overview of Original Medicare Health Insurance in Tennessee

Did you know that more than 1 million people in Tennessee are enjoying the benefits of Medicare health plans?

Here are a few facts regarding 2019 Medicare enrollment in Tennessee according to the Centers for Medicare and Medicaid Services:

  • Over 811,000 people enrolled in Original Medicare Health Plan in Tennessee
    (Part A and B)
  • The number of beneficiaries who opted for Medicare Advantage and other health insurance plans surpassed 550,000
  • More than 1,035,000 beneficiaries enrolled in stand-alone Medicare Prescription Drug Plans and Medicare Advantage Plans with prescription drug coverage
  • The total number of Medicare beneficiaries in the state is more than 1,361,000

Please note that not all plans are available in all service areas. It depends on the terms and renewal of contracts between private insurance companies and Medicare.

What Are Your Options With Medicare Health Plan In Tennessee?

The first step to choosing the best Medicare health plan is to understand the options you have. Even if you have a few years before you turn 65 or you already have a health plan in place, exploring your options is always a good idea.

  • Original Medicare Plan (Part A)

    Part A is the ‘hospital insurance’ part of the Medicare scheme. This federal plan ensures coverage for hospitals, healthcare professionals, and other healthcare facilities that accept Medicare. It is a fee-for-service plan, meaning that you’ll have to pay a certain fee for each service. In return, you’ll get coverage for nurse care, medications, and meals.
  • Original Medicare Plan (Part B)

    Part B or ‘medical insurance’ part of the Medicare program offers coverage for the healthcare expenses incurred outside the hospital setting. This includes ambulance trips, doctor visits, lab tests, and special medical equipment. These plans don’t cover the costs of dental, prescription, and custodial care. Beneficiaries take part A and B together to benefit from both medical and hospital insurance.
  • Medicare Advantage Plan (Part C)

    Unlike Part A and B, part C is managed by private insurance firms that work in collaboration with Medicare. Medicare Advantage Plans combine the benefits from Plan A and B with extra perks, including dental and vision check-ups, and fitness classes.
  • Medigap (Medicare Supplement)

    Medigap covers out-of-pocket healthcare expenses and any extra costs that aren’t covered by the standard plans. With this supplementary plan, you can get coverage for copayments, deductibles, and coinsurance.
  • Medicare Prescription Drug Plan (Part D)

    Part D offers coverage for prolonged prescription treatment as advised by your healthcare provider. Please check the list of drugs in your service area before opting for this plan. You can simply enroll in a stand-alone Medicare Part D plan or use this plan as an extension of your Medicare Advantage Plan.

Are You Eligible For A Medicare Health Plan In Tennessee?

Who Can Qualify for Medicare Health Plans in Georgia?

All U.S. citizens qualify for Medicare Health Plans. Additionally, people who have had a permanent legal U.S. residency for five continuous years are also eligible to apply.  

Below are the requirements you must fulfil to qualify for a Medicare health insurance plan.

  • People aged 65 and above who have social security automatically qualify for Medicare Part A and B
  • Part A is free for people who have been paying their Medicare taxes for the past ten years
  • For Part B, you need to pay a premium
  • People with a prolonged disability who have been receiving social security disability for two years also qualify, regardless of their age
  • People with Chronic Kidney Disease (stage 5) are also eligible to apply even if they haven’t turned 65

After qualifying for the Original Medicare Health Plans, you can easily apply for Part C and D. To avail full benefits, make sure that the health plan/s you choose along with your desired services are available in your service area.

Medicare Advantage Plans

With Medicare Advantage Plans, you get the basic benefits of the Original Medicare plan as well as complimentary privileges. In return, you have to pay for copayments, deductibles, and coinsurance. The good news is that the premium is lower with these plans as compared to the standard Medicare plans.

doctor with a patient

1. Health Maintenance Organization (HMO)

With HMO, beneficiaries get access to a network of healthcare providers at reduced rates. This allows for great flexibility by eliminating the need for scheduling appointments. However, if you consult with a professional outside of the network, your insurance company may not pay for your expenses. Please note that all beneficiaries are required to get a referral from their primary healthcare provider to be connected with a specialist.

2. Preferred Provider Organization (PPO)

With PPO, you get to choose the healthcare provider of your choice while enjoying greater flexibility. While getting your primary care provider’s reference is optional, doing so ensures much lower rates. Just like HMO, PPO also has a network of medical professionals and so, consulting with an out-of-network doctor will result in extra expenses.

How To Enroll In A Medicare Health Plan In Tennessee

Let’s make it clear that the enrollment process is quite simple. If you’ve signed up for social security, you automatically become eligible to apply for a Medicare Health Plan. If not, you can simply call Social Security or get yourself enrolled through the website.

Typically, you can sign up during the following enrollment periods.

  • Initial Enrollment

    The initial enrollment period starts three months before your 65th birthday and lasts for 7 months.
  • Special Enrollment

    This period is for those who miss the initial enrollment period due to group coverage. This period starts as soon as your coverage ends and lasts for about 8 months.
  • General Enrollment

    The general enrollment period is from January to March every year. Eligible candidates can apply for a Medicare Health Plan in Tennessee during these months to start receiving their coverage from 1st July.

Need Help With A Medicare Health Plan In Tennessee?

The O’Neal Insurance Group is at your service!

Our insurance professionals are well-equipped with valuable information and resources to help you make a well-informed decision. We’ll ensure that you choose the best health plan today for a stress-free tomorrow!   

Are you ready to enroll in a Medicare Health Plan?

Book a free consultation to make the best decision.

Or call 1-888-966-8579 to schedule an appointment.

Insurance Carriers

  • Aetna
  • Allwell /Centene Ascension Complete
  • Anthem BCBS of Indiana
  • Bright Health
  • Blue Cross and Blue Shield of IL, (HCSC)
  • Blue Cross and Blue Shield of TX, (HCSC)
  • Cigna Medicare-Healthspring
  • Clearspring Health
  • Devoted Health
  • GTL (Guarantee Trust Life Insurance Company)
  • Health Alliance
  • Humana
  • Mutual of Omaha
  • UnitedHealthcare
  • Wellcare
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