Medicare Supplement Rates in Tennessee
In Tennessee, finding the right Medicare Supplement plan is crucial for managing your healthcare costs. The state operates on an attained-age rating system, meaning your premiums will increase over time as you age. With a competitive market, especially in areas like Nashville, comparing plans annually can lead to significant savings.
Tennessee Average Monthly Rates (Age 65, Female Non-Smoker)
Tennessee Medicare Supplement Rates by Carrier
Tennessee carrier rates — click headers to sort
Carrier | Plan G | Plan N | Plan F | Rating |
|---|---|---|---|---|
| Aetna | $151/mo | $116/mo | $175/mo | A |
| Aflac | $139/mo | $106/mo | $163/mo | A+ |
| CIGNA | $143/mo | $109/mo | $167/mo | A |
| Manhattan Life | $136/mo | $104/mo | $160/mo | A- |
| Best ValueMedico | $132/mo | $99/mo | $155/mo | A |
| Mutual of Omaha | $148/mo | $114/mo | $170/mo | A+ |
| United American | $134/mo | $102/mo | $158/mo | A |
| Best ValueUnitedHealthcare (AARP) | $168/mo | $129/mo | $192/mo | A+ |
Rates are estimates for a 65-year-old female non-smoker. Actual rates vary by age, gender, and tobacco status.
💰 Tennessee Savings Tip
Because Tennessee Medigap plans use attained-age rating, your premiums will increase each year. Comparing rates annually and switching to a lower-cost plan from a different carrier can save you hundreds of dollars over time.
Quick Savings Estimator
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How to Switch Medicare Supplements in Tennessee
Tennessee Medicare Supplement beneficiaries can switch plans at any time of the year. Unlike some states, Tennessee does not have a 'birthday rule' that allows guaranteed issue during your birthday month, so you'll generally need to qualify medically unless you are in a guaranteed issue period.
Compare rates
See what other carriers charge for the exact same plan
Apply with new carrier
Simple application, often approved same day
Cancel old policy
Once new coverage starts, cancel your old plan
Tennessee Medicare Supplement Plans
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