Fair Square Medicare Wordmark

Top-Rated Medicare Advantage Plans in Tennessee

Scene of Tennessee
By Daniel Petkevich
Dec 12, 2022
Turning 65 is an important milestone in life and it's crucial to be prepared for the future. Thankfully, if you're a Tennessee resident, there are many resources available to help you get ready. Currently, there are over 1 million people over 65 years old living in Tennessee. Congratulations on reaching this age - now it's time to start preparing for the years ahead. Whether you're just entering retirement or already there, Tennessee has many services and programs to make sure you have a comfortable and secure life. With help from Fair Square, it's never been easier to plan for your future in the Volunteer State. Let's explore all the great options available.
Medicare Advantage Plans are the fastest growing options in Medicare (source:

KFF

). These can be a smart choice for Medicare beneficiaries in Tennessee. If you want lower monthly payments, and more extra benefits like dental, vision, and hearing (depending on the Plan), a Medicare Advantage plan may be a good option to consider. 61% of our clients in Tennessee are on Medicare Advantage plans. With so many people trying to sell Medicare Advantage plans, you should be careful not to join a plan that doesn’t fit with your lifestyle and priorities. Let’s talk through what to look for when comparing plans.

Why Medicare Advantage over Original Medicare?

If you’re approaching 65, you’ve likely been pitched on the perks of Medicare Advantage plans already. These plans

offer more coverage than just Parts A & B

. They often have extra benefits not found on Original Medicare. With Medicare Advantage there are fewer up front costs, and the trade-off can be more out-of-pocket costs as you seek more care. Another feature of Medicare Advantage is the HMO or PPO network, defined by the carrier that offers your plan. HMOs require you to stay in-network, while PPOs simply charge you more for seeking out-of-network care.
If these benefits are important for you, you don’t visit your physician frequently, and you are content with staying in your designated network, then Medicare Advantage could be a smart choice. In Tennessee, the average monthly premium is $6.57, and the average Max-Out-of-Pocket is $5,538.

How to Choose a Medicare Advantage Plan:

Choosing a Medicare Advantage plan can be daunting. Trying to consume all of the information available to you could take months. We recommend focusing on a few important plan details to evaluate. Consider the following:
  • Expected Total Annual Cost: Not just the plan’s low premium, but also its deductibles, copays, and coinsurance based on your healthcare needs.
  • Maximum Out-of-Pocket Cost: Consider how much you can afford to pay yearly in a worst-case scenario.
  • Doctors and Prescriptions: Will joining a specific plan align with your current physician and prescription drug needs?
  • HMO vs. PPO Network: Are you content in-network? Or do you want more flexibility in going outside the network?
  • Extra Benefits: Is Medicare Advantage your smartest way to save money on dental, vision, hearing, or other costs?
At the end of the day, your “Expected Total Annual Cost” is often what matters most. However, it’s also the most complicated detail to figure out. Our team of licensed insurance agents will help you calculate this number for your specific circumstance and find the plan to fit. At Fair Square, 96% of our clients would refer us to a friend or family member.

Speak with a Licensed Agent

Talk to one of our Licensed Medicare Agents today to find the right plans for you.
Representatives are available in Tennessee from 8am - 7pm CT.

Top-Rated Medicare Advantage Plans in Tennessee:

The following plans available in Tennessee for 2023 have received a 5 star rating out of five from the CMS.
  • Cigna Premier Medicare (HMO-POS) for $55.00/month
  • Cigna Courage Medicare (HMO) for $0.00/month
  • Cigna Preferred Medicare (HMO) for $0.00/month
  • Cigna Preferred Savings Medicare (HMO) for $0.00/month
  • Cigna Primary Medicare (HMO) for $17.60/month
If you are eligible for these Tennessee based plans, they are certainly worth taking a look. But as you already know, there are a whole host of considerations when deciding on a Medicare Advantage plan. One of your first thoughts might be if your doctors are covered.

What do 5 star Medicare Advantage plans offer in Tennessee?

A few things to keep in mind when shopping around. You will still need to pay your Part B Premium of $164.90, the Premium you see is added on to that. Don’t get blinded by the benefits. Some perks might be flashy, but they’re only worth it when you use them and they don’t come at the expense of quality coverage. Contact one of our licensed agents to check if your Doctors and prescriptions are covered, and evaluate the tradeoff between any benefits.

Speak with a Licensed Agent

Talk to one of our Licensed Medicare Agents today to find the right plans for you.
Representatives are available in Tennessee from 8am - 7pm CT.

Top-Rated Medicare Advantage Plans in Tennessee:

Cigna Premier Medicare (HMO-POS)

2023 CMS Rating
Premium
$55.00
Copay
$0
Max Out-of-Pocket
$6,700
Dental
Vision
Hearing
Fitness
Telehealth
Transportation

Cigna Courage Medicare (HMO)

2023 CMS Rating
Premium
$0.00
Copay
$0
Max Out-of-Pocket
$6,700
Dental
Vision
Hearing
Fitness
Telehealth
Transportation

Cigna Preferred Medicare (HMO)

2023 CMS Rating
Premium
$0.00
Copay
$0
Max Out-of-Pocket
$5,550
Dental
Vision
Hearing
Fitness
Telehealth
Transportation

Cigna Preferred Savings Medicare (HMO)

2023 CMS Rating
Premium
$0.00
Copay
$0
Max Out-of-Pocket
$6,400
Dental
Vision
Hearing
Fitness
Telehealth
Transportation

Cigna Primary Medicare (HMO)

2023 CMS Rating
Premium
$17.60
Copay
$0
Max Out-of-Pocket
$5,000
Dental
Vision
Hearing
Fitness
Telehealth
Transportation
Find a plan that you love? Let’s make sure that it’s the right fit. Click below to speak with one of our licensed Medicare experts today.

Speak with a Licensed Agent

Talk to one of our Licensed Medicare Agents today to find the right plans for you.
Representatives are available in Tennessee from 8am - 7pm CT.

Cities in Tennessee

Get the Fair Square Bulletin

Medicare savings tips, helpful guides, and more.

About

Medicare 101

Current Clients

Medicare Supplement Plans

Medicare Advantage Plans

Fair Square 2024

Terms of Use
Notice of Privacy Practices

Virgil Insurance Agency, LLC (DBA Fair Square Medicare) and www.fairsquaremedicare.com are privately owned and operated by Help Button Inc. Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. This is a solicitation of insurance. A licensed agent/producer may contact you. Medicare Supplement insurance is available to those age 65 and older enrolled in Medicare Parts A and B and, in some states, to those under age 65 eligible for Medicare due to disability or End-Stage Renal disease. Virgil Insurance Agency is a licensed and certified representative of Medicare Advantage HMO, HMO SNP, PPO, PPO SNP and PFFS organizations and stand-alone PDP prescription drug plans. Each of the organizations we represent has a Medicare contract. Enrollment in any plan depends on contract renewal. The plans we represent do not discriminate on the basis of race, color, national origin, age, disability, or sex. Plan availability varies by region and state. For a complete list of available plans please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov. © 2024 Help Button Inc

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

MULTIPLAN_FairSquareMedicare_01062022_M