Best Medicare Supplement Plans in Tennessee 2026
Tennessee has over 280,000+ Medigap enrollees. Plan G starts at just $87/mo in Nashville. We compared 25+ carriers to find the best coverage for the Volunteer State.
Tennessee Has Some of the Most Competitive Medigap Premiums in the Southeast
With Plan G starting at just $87/mo in Nashville and over 25 carriers competing for your business, Tennessee offers outstanding value for Medicare Supplement insurance. Nashville is also the headquarters of HCA Healthcare and Cigna, making it one of the most competitive healthcare markets in the country. Your 6-month Open Enrollment Period at age 65 is the best time to lock in these rates without medical underwriting.
More than 280,000 people in Tennessee have Medicare Supplement Insurance, or Medigap. Tennessee is home to some of the most competitive Medigap premiums in the Southeast, with Plan G starting at just $87 per month in Nashville for a 65-year-old female nonsmoker. Nashville is the headquarters of HCA Healthcare and Cigna, making it one of the most competitive healthcare markets in the country. Memphis, Knoxville, and Chattanooga also offer strong carrier competition and low premiums.
Plan G is the most popular Medicare Supplement plan for new enrollees in Tennessee, chosen by about 47% of Medigap enrollees. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($257 in 2026). Tennessee uses attained-age rating, meaning premiums increase as you age, so enrolling during your 6-month Open Enrollment Period at age 65 is the best way to lock in the lowest possible rate. Unlike California, Missouri, or Virginia, Tennessee has no birthday rule or anniversary rule. Your OEP is your primary guaranteed-issue window.
Compare the Best Medicare Supplement Plans in Tennessee
Our top-rated Medigap carriers in Tennessee, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Nashville. Rates in Memphis, Knoxville, Chattanooga, and other regions may vary.
Mutual of Omaha
Plan G
$121/mo
Plan N
$84/mo
AM Best
A+
Mutual of Omaha earns the top spot in Tennessee thanks to its exceptional customer service record, A+ AM Best rating, and one of the lowest complaint ratios in the state. While not the cheapest option, the value-to-price ratio is outstanding for Tennessee seniors.
AARP / UnitedHealthcare
Plan G
$115/mo
Plan N
$80/mo
AM Best
A
AARP/UnitedHealthcare is the largest Medicare Supplement insurer in Tennessee by enrollment. The AARP brand recognition and broad plan availability make it a reliable choice, and its premiums are competitive for a nationally-recognized carrier.
Cigna / Evernorth
Plan G
$96/mo
Plan N
$65/mo
AM Best
A
Cigna offers some of the most competitive Plan G premiums in Tennessee, making it a strong choice for budget-conscious seniors. At $96/mo in Nashville, it is one of the lowest rates from a nationally-recognized carrier. The slightly elevated complaint ratio is worth noting but not alarming.
Humana
Plan G
$110/mo
Plan N
$78/mo
AM Best
A-
Humana is a strong choice for Tennessee seniors who want more than just coverage. The SilverSneakers fitness program is included with many Humana Medigap plans, giving enrollees free gym access across Tennessee. Humana also has a large agent presence in Nashville, Memphis, and Knoxville.
Wellabe
Plan G
$113/mo
Plan N
$76/mo
AM Best
A-
Wellabe (formerly CUNA Mutual) offers a solid combination of competitive premiums and a low complaint ratio in Tennessee. At $113/mo for Plan G, it sits in the middle of the market but delivers better customer service than many cheaper alternatives.
Medicare Supplement Prices in Tennessee
Sample monthly premiums from top carriers in Nashville. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Tennessee uses attained-age rating, so premiums will increase as you age. Memphis, Knoxville, and Chattanooga rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Physicians Select | $87/mo | $58/mo | $112/mo |
| Cigna | $96/mo | $65/mo | $128/mo |
| NHIC | $109/mo | $72/mo | $138/mo |
| Humana | $110/mo | $78/mo | $141/mo |
| Wellabe | $113/mo | $76/mo | $144/mo |
| UnitedHealthcare (AARP) | $115/mo | $80/mo | $148/mo |
| Mutual of Omaha | $121/mo | $84/mo | $155/mo |
| State Farm | $128/mo | $89/mo | $162/mo |
Lowest available in Tennessee (Nashville): Plan G from $87/mo | Plan N from $58/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Plan G vs. Plan N in Tennessee
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Tennessee. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($257) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Nashville) | $96-$128 | $65-$89 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
In Tennessee, Physicians Select is cheapest at $87/mo, but it is a lesser-known carrier. Among nationally-recognized options, Cigna at $96/mo is the best value. Cigna has a slightly elevated complaint ratio, so if customer service matters to you, Mutual of Omaha at $121/mo has one of the best complaint records in the state. Humana is also worth a look if you want SilverSneakers fitness benefits included. Tennessee has no birthday rule, so your 6-month Open Enrollment Period at age 65 is your best chance to enroll without medical underwriting. Do not wait.
Tennessee Medigap Rules You Should Know
No Birthday or Anniversary Rule
Tennessee does not have a birthday rule or anniversary rule. Your 6-month Open Enrollment Period starting at age 65 is your only guaranteed-issue window. After OEP, carriers can use medical underwriting to deny coverage or charge higher premiums.
Attained-Age Rating
All Tennessee Medigap carriers use attained-age rating, meaning premiums increase as you get older. Locking in during your OEP at 65 gives you the lowest starting premium.
30-Day Free Look Period
Tennessee law requires a 30-day free look period on all Medigap policies. If you are not satisfied, you can cancel within 30 days for a full premium refund.
Under-65 Coverage Not Required
Unlike New York and Georgia, Tennessee does not require carriers to offer Medigap to Medicare enrollees under age 65. If you have Medicare due to disability or ESRD before 65, coverage options may be limited.
TN SHIP Free Counseling
The Tennessee State Health Insurance Assistance Program (TN SHIP) offers free, unbiased Medicare counseling. Call 1-877-801-0044 to speak with a trained counselor at no cost.
TDCI Regulation
Medigap plans in Tennessee are regulated by the Tennessee Department of Commerce and Insurance (TDCI). All plans must meet federal standardization requirements.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength
AM Best rating and long-term solvency indicators
Complaint Ratio
NAIC complaint index relative to market share (lower is better)
Premium Competitiveness
Plan G and Plan N rates relative to Tennessee market average
Customer Service
U.S.-based support, claims processing speed, and member satisfaction
Tennessee Availability
Agent network depth and coverage across all 95 Tennessee counties
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Tennessee ZIP Code
Tennessee has a competitive Medigap market with over 25 carriers and Plan G starting at just $87/mo in Nashville. Enter your ZIP code to see exact rates from all available carriers in your area. Your Open Enrollment Period at 65 is the best time to lock in coverage without medical underwriting.