Medicare Supplement Insurance (Medigap) helps Tennessee seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, including deductibles, copayments, coinsurance, and even Part B excess charges. Tennessee residents may choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Note: Plan F and Plan C are not available to Medicare beneficiaries who became eligible on or after January 1, 2020.
Most Popular Medigap Plans in Tennessee
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 147,708 |
| 2 | G | 121,152 |
| 3 | N | 19,840 |
Note: Plans E, H, I, and J are no longer available. Pre-standardized plans (sold before July 1992) may still be in effect but are not issued today.
Did you know? Tennessee is one of the few states where enrollment in Plan F remains significantly higher than Plan G, even as new Medicare beneficiaries nationwide shift toward Plan G. This makes Tennessee a “Plan F stronghold” compared to many other states.
How Medigap Pricing Works in Tennessee
Premiums for Medigap coverage may rise differently depending on the rating method insurers use. In Tennessee, Medigap policies may be priced under one of three models:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – All policyholders pay the same premium, regardless of age.
Under-65 Eligibility in Tennessee
Tennessee law requires insurers to offer their full lineup of Medigap plans to Medicare beneficiaries under 65 who qualify due to disability or end-stage renal disease (ESRD). However, insurers may charge higher premiums to these younger enrollees compared to those who are 65 and older.
Choosing a Medigap Plan in Tennessee
Plan F remains the leading choice for many Tennesseans, though it is closed to new enrollees. Plan G is gaining momentum as the preferred option for new beneficiaries, while Plan N provides a budget-conscious alternative. All Medigap policies are accepted nationwide by providers who take Medicare, ensuring reliable coverage whether residents receive care in Nashville, Memphis, Knoxville, or across the country.
To compare premiums and explore Medigap plan options in your ZIP code, visit our Medigap rate comparison page.