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Tennessee Medicare Insurance Options

I will be happy to educate you on your many Medicare options and explain the differences between a Medicare Supplement and the Medicare Advantage Plans offered in TN.

What services does Medicare cover?

Medicare Part A and Part B cover certain medical services and supplies in
hospitals, doctors’ offices, and other health care settings. Prescription drug
coverage is provided through Medicare Part D.
If you have both Part A and Part B, you can get all of the Medicare-covered
services listed in this section, whether you have Original Medicare or a
Medicare Advantage Plan or other Medicare health plan.

What does Part A cover?

Part A (Hospital Insurance) helps cover:

  • Inpatient care in a hospital
  • Inpatient care in a skilled nursing facility (not custodial or
    long-term care)
  • Hospice care
  • Home health care
  • Inpatient care in a religious nonmedical health care institution

What does Part B cover?

Medicare Part B (Medical Insurance) helps cover medically necessary doctors’ services, outpatient care, home health services, durable medical equipment, mental health services, and other medical services. Part B also covers many preventive services.

What’s NOT covered by Part A and Part B?

Medicare doesn’t cover everything. If you need certain services that aren’t
covered under Medicare Part A or Part B, you’ll have to pay for them yourself unless:

  • You have other coverage (including Medicaid) to cover the costs.
  • You’re in a Medicare Advantage Plan that covers these services.

Some of the items and services that Original Medicare doesn’t cover include:

  • Most dental care.
  • Eye exams related to prescribing glasses.
  • Dentures.
  • Cosmetic surgery.
  • Massage therapy.
  • Routine physical exams.
  • Acupuncture.
  • Hearing aids and exams for fitting them.
  • Long-term care. See the next page for more information.
  • Concierge care (also called concierge medicine, retainer-based medicine, boutique medicine, platinum practice, or direct care).

What are Medicare Advantage Plans?

A Medicare Advantage Plan is another way to get your Medicare coverage.
Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are offered by Medicare-approved private companies that must follow rules set by Medicare. If you join a Medicare Advantage Plan, you’ll still have Medicare but you’ll get most of your Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance) coverage from the Medicare Advantage Plan, not Original Medicare. Most plans include Medicare prescription drug coverage (Part D). In most cases, you’ll need to use health care providers who participate in the plan’s network. However, many plans offer out-of network coverage, but sometimes at a higher cost.

Medicare Supplement Insurance (Medigap) Policies

Original Medicare pays for much, but not all, of the cost for covered health
care services and supplies. Medicare Supplement Insurance policies, sold
by private companies, can help pay some of the remaining health care
costs for covered services and supplies, like copayments, coinsurance,
and deductibles. Medicare Supplement Insurance policies are also called
Medigap policies. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel outside the U.S. Generally, Medigap policies don’t cover long-term care (like care in a nursing home), vision or dental care, hearing aids, eyeglasses, or private-duty nursing.

Medigap policies are standardized

Every Medigap policy must follow federal and state laws designed to protect
you, and they must be clearly identified as “Medicare Supplement Insurance.”
Insurance companies can sell you only a “standardized” policy identified
in most states by letters A through D, F, G, and K through N. All policies
offer the same basic benefits, but some offer additional benefits so you
can choose which one meets your needs.

Confused already?

Confused Senior

Don’t worry, I can help, just fill out my contact form or call and I can answer any questions you might have to help you navigate through your medicare insurance options.

All information seen above can be read in full in the CMS MEDICARE AND YOU 2020 Handbook, along with a vast amount more information about your medicare insurance.

Medicare and You can be found here:

Click for the Medicare and You 2024 Guide

Medicare Costs at a Glance

Medicare Part A (Hospital Insurance) Costs

Part A monthly premium

Most people don’t pay a Part A premium because they paid Medicare taxes while working. If you don’t get premium-free Part A, you pay up to $505 each month. If you don’t buy Part A when you’re first eligible for Medicare (usually when you turn 65), you might pay a penalty.

Hospital stay

In 2024, you pay:

  • $1,632 deductible per benefit period
  • $0 for the first 60 days of each benefit period
  • $408 per day for days 61–90 of each benefit period
  • $816 per “lifetime reserve day” after day 90 of each benefit period (up to a
    maximum of 60 days over your lifetime)

Skilled Nursing Facility stay

In 2024, you pay:

  • $0 for the first 20 days of each benefit period
  • $204 per day for days 21–100 of each benefit period
  • All costs for each day after day 100 of the benefit period

Medicare Part B (Medical Insurance) Costs

Part B monthly premium

Most people pay the standard Part B monthly premium amount ($174.70 in 2024).
Social Security will tell you the exact amount you’ll pay for Part B in 2024.

You pay the standard premium amount if you:

  • Enroll in Part B for the first time in 2024.
  • Don’t get Social Security benefits.
  • Are directly billed for your Part B premiums.
  • Have Medicare and Medicaid, and Medicaid pays your premiums.
    (Your state will pay the standard premium amount of $174.70 in 2024.)

If your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you’ll pay the standard Part B premium and an income-related monthly adjustment amount.

If you have questions about your Part B premium, call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778. If you pay a late enrollment penalty, these amounts may be higher.

2024 Part B deductible—$240 before Original Medicare starts to pay.

Medicare Advantage Plans (Part C) & Medicare Drug Coverage
(Part D) Premiums

Visit to find and compare plan premiums. You can also call 1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.

Part D monthly premium

The chart below shows your estimated drug plan monthly premium based on your income. If your income is above a certain limit, you’ll pay an income-related monthly adjustment amount in addition to your plan premium.

2024 Part D national base beneficiary premium — $34.70

Medicare uses the national base beneficiary premium to estimate the Part D late enrollment penalty and the income-related monthly adjustment amounts listed in the table above. This amount can change each year. If you pay a late enrollment penalty, these amounts may be higher.

For detailed information on costs and enrollment penalties

Medicare Extra Help

You may be able to get extra help to pay for the monthly premiums, annual deductibles, and co-payments related to the Medicare Prescription Drug program. However, you must be enrolled in a Medicare Prescription Drug plan to get this extra help.

2024 Extra Help

Do You Qualify for Medicaid or Medicare Savings Program?