Best Medicare Advantage Plans Tennessee 2025

Compare plans in Medicare can be challenging, but Medicare Advantage Plans in Tennessee for 2025 offer a solution for those seeking comprehensive coverage with added benefits.

With various types of plans available and resources to help you make an informed decision, there has never been a better time to explore your options. Ready to find the right Medicare Advantage Plans in Tennessee for you? Let’s get started!

Key Takeaways

• Tennessee has 129 Medicare Advantage Plans available through private insurance companies, providing comprehensive coverage and additional benefits.

• Popular providers in Tennessee include Blue Cross Blue Shield, Humana, and Aetna with four types of plans offered. HMOs, PPOs, PFFS & SNPs.

• Eligibility criteria must be met to enroll in a plan along with a comparison of coverage costs & provider networks for best value selection.

Medicare Advantage Plans in Tennessee serve as a viable alternative to Original Medicare. They are presented by Medicare-approved private insurance companies and offer extended benefits and coverage.

With a selection of 129 different plans, Tennessee residents have plenty of options tailored to their unique needs. Comparing these Medicare Advantage Plans will help you identify the option that aligns most closely with your situation.

Approximately 20% of Tennessee’s population is enrolled in Medicare, and 36% of Tennessee Medicare beneficiaries opted for private Medicare Advantage plans in 2018, which often include prescription drug plans as part of their coverage. Some popular providers of Medicare Advantage Plans in Tennessee include:

• Blue Cross Blue Shield
• Humana
• Aetna
• UnitedHealthcare
• Cigna
• Anthem

These providers offer various plans that cater to different needs, with some even attaining five-star ratings from the Centers for Medicare and Medicaid Services (CMS).

Selecting a Medicare Advantage Plan in Tennessee is an important decision. Evaluating factors such as prescription drug coverage is necessary before finalizing your choice.

Key Benefits of Medicare Advantage Plans

One of the primary advantages of Medicare Advantage Plans in Tennessee is that they encompass coverage for Original Medicare Parts A and B, as well as the plan’s prescription drug coverage, dental, vision, and fitness benefits.

With these comprehensive plans, you can access a wide range of services, from preventative care and routine screenings to more specialized procedures. Most Medicare Advantage Plans also include a prescription drug plan, or Medicare Part D coverage, ensuring that your medication costs are covered as well.

Medicare Advantage Plans in Tennessee also include dental benefits, covering preventive services like cleanings and exams along with basic and major dental procedures.

Some plans may extend additional benefits such as vision coverage and hearing aids. With this extensive range of benefits, Medicare Advantage Plans can provide an all-encompassing healthcare solution for those who qualify.

Popular Providers of Medicare Advantage Plans in Tennessee

Several well-known providers offer Medicare Advantage Plans in Tennessee, each with its unique features and benefits.

Blue Cross Blue Shield, for example, offers two Medicare Advantage plans in the state: BlueAdvantage and BlueAdvantage Freedom (PPO).

Humana’s Medicare Advantage Plans in Tennessee have acquired a 5-star rating for 2024, signifying the highest quality, and the company provides Medicare Advantage plans with a 4-star rating or higher in all 50 states and Puerto Rico.

Aetna offers several special features in their Medicare Advantage Plans in Tennessee, including:

• Medicare Advantage DSNP for individuals with both Medicare and Medicaid
• High-quality plans with 87% of Aetna Medicare Advantage members in 4-star plans or higher for 2024
• Additional benefits such as hearing, vision, dental coverage, and gym memberships

When you compare Medicare Advantage plans, evaluating these providers will help you find the one that meets your needs the best, including the right Medicare Advantage coverage and suitable Medicare plans.

Types of Medicare Advantage Plans Offered in Tennessee

Tennessee residents have access to four different types of Medicare Advantage plans. These include:

1. Health Maintenance Organization (HMO) Plans
2. Preferred Provider Organization (PPO) Plans
3. Private Fee-for-Service (PFFS) Plans
4. Special Needs Plans (SNP)

Each type of plan offers different provider network options and additional benefits, catering to the diverse needs of Tennessee residents.

We will examine each type of plan and its offerings.

Health Maintenance Organization (HMO) Plans

HMO plans are characterized by their requirement for enrollees to use in-network providers and obtain referrals for specialist care.

These plans focus on providing healthcare services through a network of doctors and facilities, often encompassing a broad range of preventative services such as routine screenings, vaccines, and reproductive health services.

HMO plans usually necessitate members to select a primary care physician (PCP) who serves as the main point of contact for all healthcare needs and requires a referral from the PCP before seeing a specialist.

Although HMO plans generally have lower out-of-pocket costs compared to other types of health insurance plans, they come with some limitations, such as a restricted choice of providers and the need for referrals to see specialists.

Considering the advantages and disadvantages of Medicare Advantage HMO plans is necessary when evaluating your Medicare Advantage Plan options in Tennessee.

Preferred Provider Organization (PPO) Plans

PPO plans offer more flexibility in choosing healthcare providers, with lower costs for in-network care.

These plans provide increased freedom in selecting providers, allowing you to receive care from both in-network and out-of-network providers, although out-of-network care usually comes with higher costs.

The average monthly premium for PPO plans in Tennessee’s Medicare Advantage plans is $17.08 in 2023, which is a decrease from $18.87 in 2022.

While PPO plans provide greater flexibility in provider choice, they often come with higher monthly premium costs, deductible costs, and the potential for higher out-of-pocket expenses when utilizing out-of-network providers.

Comparing the costs and benefits of PPO plans is necessary to determine if they align with your healthcare needs.

Private Fee-for-Service (PFFS) Plans

Private Fee-for-Service (PFFS) Plans are a type of Medicare Advantage plan that provides the flexibility to receive covered services from any Medicare-eligible provider who is willing to accept the plan’s terms and conditions.

These plans offer the same benefits as Original Medicare but may incorporate additional benefits, such as dental, vision, and fitness benefits.

While PFFS plans offer flexibility in provider choice, they may come with some limitations, such as higher out-of-pocket costs or the need for prior authorization for certain services.

Considering the advantages and disadvantages of PFFS plans is necessary when evaluating your Medicare Advantage Plan options in Tennessee.

Special Needs Plans (SNP)

Special Needs Plans (SNP) cater to specific groups of people, such as those with chronic conditions or limited income.

These plans combine the benefits of Original Medicare (Parts A and B) with additional coverage tailored to the particular needs of the individual.

Some examples of providers that offer Special Needs Plans within Tennessee’s Medicare Advantage Plans include BlueCare Plus, Humana, and Aetna.

SNP plans to provide targeted care and restrict network providers to ensure that individuals receive the specialized care they require.

Evaluating whether a Special Needs Plan is suitable for you based on your specific health conditions and coverage needs is necessary.

Enrollment Process for Medicare Advantage Plans in Tennessee

To enroll in a Medicare Advantage Plan in Tennessee, you must meet specific eligibility criteria and adhere to the medicare advantage enrollment periods set forth by Medicare.

Subsequent sections will cover the eligibility criteria and enrollment periods for Medicare Advantage Plans in Tennessee.

Eligibility Criteria

To be eligible for enrolling in Medicare Advantage Plans in Tennessee, you must be enrolled in Medicare Parts A and B and reside in the plan’s service area. Most individuals living in Tennessee, aged 65 and above, are eligible for Medicare Advantage but do not meet the criteria for a Special Needs Plan (SNP).

However, if you have a serious illness or are eligible for Medicaid and Medicare, a Special Needs Plan may be suitable for you.

Consideration should be given to the individuals who are eligible for Medicare Advantage Plans, including those aged 65 and over and those with a qualifying disability. Verify that you meet the eligibility criteria prior to enrolling in a Medicare Advantage Plan in Tennessee.

Enrollment Periods

Enrollment in Medicare Advantage Plans in Tennessee involves specific periods, such as:

• Initial Enrollment Period: Begins three months prior to your 65th birthday month and extends through three months after.
• Annual Election Period: Runs from October 15 to December 7 each year. This is an important opportunity for Medicare recipients to enroll.
• Special Enrollment Periods: Available for particular circumstances.

Special Enrollment Periods are available under unusual life circumstances, such as losing one’s job (and health coverage) and relocating to an area outside of the area serviced by their insurance carrier.

If you believe you may be eligible for a Special Enrollment Period in Tennessee, contact a licensed insurance agent or 1-800-MEDICARE for more information.