Best Medicare Advantage Plans Tennessee 2025

Comparing plans in Medicare may be challenging, but certain Medicare Advantage Plans in Tennessee for 2025 may offer a solution for those seeking comprehensive coverage with potential benefits.

With various types of plans available and resources that could 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

 

 

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

 

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Exploring Possible Medicare Advantage Plans in Tennessee

Some Medicare Advantage Plans in Tennessee could potentially serve as a viable alternative to Original Medicare. These plans may be presented by Medicare-approved private insurance companies and might offer extended benefits and coverage.

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

 

Exploring Medicare Advantage Plans in Tennessee

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

  • Blue Cross Blue Shield

 

  • Humana

 

  • Aetna

 

  • UnitedHealthcare

 

  • Cigna

 

  • Anthem

 

These providers will likely offer various plans that could 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 potential factors such as prescription drug coverage will likely be necessary before finalizing your choice.

 

Potential Key Benefits of Medicare Advantage Plans

One of the primary advantages of some Medicare Advantage Plans in Tennessee could be that they will likely encompass coverage for Original Medicare Parts A and B, and might include the plan’s prescription drug coverage, dental, vision, and fitness benefits.

With the possibility of having these comprehensive plans, you could access a wide range of services, which could include preventative care and routine screenings to more specialized procedures. Some Medicare Advantage Plans may also include a prescription drug plan, or Medicare Part D coverage, potentially ensuring that your medication costs may be covered as well.

Some Medicare Advantage Plans in Tennessee may 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, certain Medicare Advantage Plans may be able to provide an all-encompassing healthcare solution for those who qualify.

 

Popular Providers of Medicare Advantage Plans in Tennessee

Several well-known providers might offer certain Medicare Advantage Plans in Tennessee, each potentially having its unique features and benefits.

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

 

Medicare advantage plans tennessee 2023 Humana’s Medicare Advantage Plans in Tennessee have acquired a 5-star rating for 2024, signifying the highest quality, and the company will likely provide Medicare Advantage plans with a 4-star rating or higher in all 50 states and Puerto Rico.

 

Aetna may offer several special features in some of their Medicare Advantage Plans in Tennessee, which may include:

  • 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

 

  • Potential benefits such as hearing, vision, dental coverage, and gym memberships

 

When you compare Medicare Advantage plans, evaluating these providers could help you find the one that meets your needs the best, which may include 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:

  • Health Maintenance Organization (HMO) Plans

 

  • Preferred Provider Organization (PPO) Plans

 

  • Private Fee-for-Service (PFFS) Plans

 

  • Special Needs Plans (SNP)

 

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

We will examine each type of plan and its offerings.

 

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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

 

Medicare advantage plans in tennessee 2024 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.

 

While PPO plans provide greater flexibility in provider choice, they may 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)

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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 may 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).

 

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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 before 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 before 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 may be available under unusual life circumstances, such as losing one’s job 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 at 1-833-641-4938 (TTY 711), Mon-Fri 8 am-9 pm EST.

Our licensed agents may also provide comprehensive information, personalized guidance, and ongoing assistance to navigate the enrollment process for private insurance companies, making it easier for beneficiaries to make informed decisions about their healthcare. You can reach them at 1-844-350-0776 (TTY user 711) Mon-Fri 8am-9pm Est.

 

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Comparing Medicare Advantage Plan Options in Tennessee

Comparing the potential Medicare Advantage Plan options in Tennessee is a significant step toward deciding on your healthcare coverage.

Factors you may want to consider could include coverage, possible costs, and provider networks, which we will discuss in more detail in the following subsections.

 

Coverage Comparison

Evaluating the potential benefits like prescription drug coverage and additional services that may be offered by each plan is important when comparing Medicare Advantage Plans in Tennessee.

Coverage comparison will likely involve assessing the services that may be included in Medicare Advantage Plans in Tennessee, such as:

  • Health maintenance organization (HMO)

 

  • Preferred provider organization (PPO)

 

  • Prescription drug coverage (Part D)

 

  • Possible dental, vision, and hearing benefits

 

To effectively compare the potential coverage options of different Medicare Advantage Plans in Tennessee, members may want to consider factors such as the types of services covered, the possible extent of coverage for prescription drugs, and the availability of certain benefits like dental and vision care.

This could help you make an informed decision about the best plan for your needs.

 

Cost Comparison

Cost comparison may be another significant factor in choosing a Medicare Advantage Plan in Tennessee.

Assessing the potential premiums, deductibles, copayments, and out-of-pocket maximums among different plans could help you determine which plan may offer the best value for your specific needs.

 

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In addition to the potential premiums, it’s important to consider other costs that may be associated with certain Medicare Advantage Plans in Tennessee, such as possible deductibles, copayments, and out-of-pocket maximums.

Comparing these potential costs among different plans could help you make an informed decision about the best plan for your budget and healthcare needs.

 

Provider Network Comparison

Assessing the availability of certain provider networks of a Medicare Advantage Plan in Tennessee may be a key part of deciding about your healthcare coverage. When comparing plans, consider particular factors such as:

  • The ratings and reviews of different plans

 

  • The list of providers included in each plan’s network

 

  • The accessibility and convenience of the network providers

 

  • Any potential restrictions or limitations on accessing certain specialists or hospitals

 

It may also be a key to consider the overall reputation and customer satisfaction of the plan and its network providers when comparing some of the Medicare Advantage Plans in Tennessee. This may help you choose a plan with a provider network that meets your needs and preferences.

 

Tennessee Medicare Advantage Plan Resources

Tennessee will likely provide resources like the State Health Insurance Assistance Program (SHIP) and the Tennessee Commission on Aging and Disability that could aid seniors in choosing Medicare Advantage Plans.

These resources may provide valuable information and assistance in navigating the complex world of healthcare coverage and selecting the best plan for your needs.

 

State Health Insurance Assistance Program (SHIP)

 

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The State Health Insurance Assistance Program (SHIP) in Tennessee will likely offer free and impartial Medicare counseling and assistance to beneficiaries and their families.

SHIP is a federally funded program that is dedicated to helping individuals navigate the complexities of Medicare and make informed decisions about their healthcare coverage.

Tennessee residents may access services offered by SHIP by visiting the official website of the Tennessee Department of Aging and Disability Services or contacting their local Area Agency on Aging for further information and assistance.

SHIP may provide valuable support in understanding your eligibility options and comparing Medicare Advantage Plans in Tennessee.

 

 

Tennessee Commission on Aging and Disability

The Tennessee Commission on Aging and Disability will likely offer some of the following services to assist Tennessee residents in selecting Medicare Advantage Plans:

  • Free counseling and education

 

  • Advocacy for seniors and those with disabilities

 

  • Programs and resources to help individuals understand their eligibility options and make informed decisions about Medicare Advantage Plans.

 

To access the resources and information that may be provided by the Tennessee Commission on Aging and Disability, visit their website or contact them directly at 615-741-2056.

The commission could provide valuable guidance in exploring your options and selecting the best Medicare Advantage Plan for your specific needs in Tennessee.

 

Summary

Some of the Medicare Advantage Plans in Tennessee may offer a comprehensive healthcare solution with potential additional benefits that could go beyond Original Medicare.

With various types of plans available, such as HMO, PPO, PFFS, and SNP, and possible resources like SHIP and the Tennessee Commission on Aging and Disability to help you make an informed decision, finding the right plan for your needs has never been easier.

Remember to consider potential factors such as coverage, possible costs, and provider networks when comparing plans to ensure you can select the best Medicare Advantage Plan for your healthcare needs in Tennessee.

 

Frequently Asked Questions

 

 

What is the best Medicare Advantage plan in Tennessee?

Amerigroup may offer some of the best Medicare Advantage plans in Tennessee with possibly affordable rates and good coverage quality, while BlueCross BlueShield of Tennessee may offer the highest-quality plans with an expensive average monthly rate. If you’re looking for a no-cost plan, Aetna may be a good choice.

 

What are the potential benefits of a Medicare Advantage plan?

Some Medicare Advantage plans may offer a diverse range of the providers available in their network, possibly including reduced out-of-pocket costs, require prior authorization for many services, and their coverage will likely change annually.

 

What are four types of Medicare Advantage plans in Tennessee?

Medicare Advantage plans come in three varieties: Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Private Fee-for-Service (PFFS) plans, as well as Special Needs Plans (SNPs).

 

How to apply for Medicare in tn?

To apply for Medicare in Tennessee, you can enroll by calling one of our licensed agents at 1-833-641-4938 (TTY 711), Mon-Fri 8 am-9 pm EST. They can provide comprehensive information, personalized guidance, and ongoing assistance to navigate the enrollment process for private insurance companies, making it easier for beneficiaries to make informed decisions about their healthcare.

Alternatively, you could contact your State Health Insurance Assistance Program (SHIP) for free, personalized health insurance counseling, including help with appeals.

 

What are the possible key benefits of Medicare Advantage Plans in Tennessee?

Some Tennessee Medicare Advantage Plans may offer great benefits, such as coverage of Original Medicare Parts A and B, prescription drug coverage, dental, vision, and hearing coverage.

 

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 ZRN Health & Financial Services, LLC, a Texas limited liability company

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Speak with a licensed insurance agent

 1-833-641-4938
TTY 711

Mon-Fri : 8am-9pm EST

Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.