Who's Eligible for Medicare in Tennessee?
If you live in Tennessee and meet one of the following, you're likely eligible for Medicare:
- You're age 65 or older
- You're under 65 and have received SSDI for 24+ months
- You have End-Stage Renal Disease (ESRD) or ALS
- You're a U.S. citizen or lawful permanent resident (5+ continuous years)
To enrol in a Medicare Advantage or Part D plan in Tennessee, you must live in the plan's service area at least 6 months of the year.
Medicare Coverage Options in Tennessee
| Coverage Type | What It Covers |
|---|---|
| Original Medicare | Part A (hospital) + Part B (medical); any provider that accepts Medicare |
| Medicare Advantage | All-in-one plans from private insurers; usually includes drug, dental and vision |
| Part D (Drug Plans) | Standalone prescription coverage if you have Original Medicare or Medigap |
| Medigap (Supplement) | Helps pay out-of-pocket costs from A & B; must pair with Original Medicare |
Medicare Advantage in Tennessee
Tennessee residents have access to a broad selection of Medicare Advantage (Part C) plans.
- $0-premium plans are available in much of the state
TODO — plan counts per county: the source site did not state this figure for this state. Confirm the current number with your carrier data before publishing rather than reusing another state’s.
Many plans include benefits such as:
- Dental, vision, and hearing
- Prescription drug coverage (Part D)
- Fitness memberships
- OTC product allowances
- Transportation to medical appointments
Availability varies by county — options in Nashville may differ from Memphis, Knoxville or Chattanooga.
Medigap Plans in Tennessee
TODO — Tennessee's Medigap rating method: the source site did not state this figure for this state. Confirm the current number with your carrier data before publishing rather than reusing another state’s.
Most popular Medigap plans:
- Plan G — broadest coverage (excludes the Part B deductible)
- Plan N — lower monthly premium, with some cost-sharing (copays, no excess-charge coverage)
- Plan F — only for those eligible before Jan 1, 2020
Key facts about Medicare Supplements in Tennessee
- Works with any doctor or hospital that accepts Medicare
- Doesn't include drug, dental, or vision coverage
- Requires a separate Part D plan for prescriptions
Note: Medigap cannot be combined with Medicare Advantage.
Part D in Tennessee: Drug Plans
If you choose Original Medicare or Medigap, you'll need a standalone Part D plan to cover prescriptions.
- Plans vary by ZIP code and formulary
- Deductibles can go up to $615 in 2026
- Most plans are tiered (generic drugs cost less than brand-name)
- The $2,100 annual out-of-pocket cap limits what you can spend on covered drugs
Already on a Medicare Advantage plan? Drug coverage is usually included.
Help for Low-Income Medicare Beneficiaries in Tennessee
If you're on a fixed income, Tennessee offers several support programmes to reduce your Medicare costs:
- Extra Help (LIS) — lowers drug premiums and copays
- Medicare Savings Programs (MSPs) — may pay your Part B premium and other costs
- Medicaid & Dual-Eligible Plans — for those who qualify for both Medicare and Medicaid
- Tennessee SHIP — free Medicare counselling; call 877-801-0044
Not sure if you qualify? We'll help you find out — no pressure, just support.
Medicare Enrollment Periods in Tennessee
| Enrollment Period | When | What You Can Do |
|---|---|---|
| Initial Enrollment Period | 7 months around your 65th birthday | Enrol in Parts A, B, C and D for the first time |
| General Enrollment Period | January 1 – March 31 | Enrol if you missed your IEP; coverage begins July 1 |
| Annual Enrollment Period | October 15 – December 7 | Switch, join or drop Advantage and Part D plans |
| Medicare Advantage OEP | January 1 – March 31 | Make one change if you're already in an Advantage plan |