Medicare Made Simple

Find your high quality Medicare plan today!

Tennessee Medicare Insurance Plans

Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Tennessee.

Medicare Supplement (Medigap) Policies

The state flag of Tennessee | Tennessee Medicare Insurance Plans

Though Federal law does not require insurance companies to sell Medigap policies to people under 65 some states do and Tennessee is one of those states.  Even if you’re under 65, insurance companies must sell you a Medigap policy.

Mini-COBRA Policies

COBRA allows some employees who have lost their job for various reasons to continue group coverage for a limited period of time. This is only true for those employers with more than 20 employees. In Tennessee, if you’re employer has fewer than 20 full-time employees you will fall under the state continuation law.  Under this law you could receive continuation of coverage for up to 3 months.

Tennessee Medicare Savings Program (Premium Support)

Tennessee has four Medicare Savings Programs.

*The following data is from 2017 and is based on federal amounts. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.

  • *Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $1,010 and for couples with monthly income under $1,355, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A
  • *Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with a monthly income under $1,208 or couples with monthly income under $1,6222, the state pays premiums for Part B.
  • *Qualified Individuals (QIs): For individuals with monthly income under $1,357 or for couples with monthly income under $1,823, the state pays premiums for Part B.
  • *Qualified Disabled and Working Individuals (QDWIs): This is available for individuals or couples who make under $4,045 or $5,425 per month, respectively, and pays for Medicare Part A premiums only.

*Data from

State Health Insurance Assistance Program(SHIP)

Tennessee’s SHIP program offers individual counseling and assistance to persons who have or will soon have Medicare, as well as to their family members, caregivers and advocates. SHIP also works to educate community groups about current Medicare issues. SHIP counselors, located at the nine (9) Area Agencies on Aging & Disability (AAADs) throughout the state, can provide information on: the new Medicare Prescription Drug Benefit (Part D); Medicare Parts A and B and supplemental insurances; Medicare Advantage Health Plans; Claims and Billing Problems; Long-Term Care Insurance; Nursing Home Medicaid; Medicaid for Home and Community-Based Care; Medicare Savings Programs (QMB, SLMB, QI-1) and Medicare and Medicaid or TennCare.

Low-Income Subsidy (“extra-help”) for Prescription Drugs:

In 2017, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).

If you live in Tennessee, you can consult with one of our licensed sales agents to compare Tennessee Medicare insurance plans. One of our licensed sales agents can compare plans in your area and help you find the Medicare insurance benefits that best fit your needs.