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HomeMedicare SupplementTennesseeMedigap in Tennessee for 2027: 30 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Tennessee for 2027: 30 Insurers and the Plans They Sell

NASHVILLE — Tennesseans weighing how to pair Original Medicare with a Medicare Supplement policy for 2027 have a wide field to consider. Medicare.gov's Medigap policy search for a Nashville ZIP code (37201) lists 30 insurers selling standardized plans, with every federal plan letter still on the market — A, B, C, D, F, F-HD, G, G-HD, K, L, M and N — available from at least one carrier. The lineup can look different in another ZIP code, and what any individual pays depends on age, sex and tobacco use.

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Key takeaways

  • Medicare.gov's Medigap search for ZIP 37201 lists 30 insurers selling standardized plans in Tennessee, with plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N each sold by at least one carrier.
  • Your six-month Medigap Open Enrollment Period starts when you are 65 or older and enrolled in Part B; during that window you can buy any Medigap policy sold in Tennessee without medical underwriting.
  • Twenty-five Medicare Advantage plans offered in Tennessee in 2026 will not be offered anywhere in the state in 2027, and members of a non-returning plan have a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment 2027, which runs October 15 – December 7, 2026.
Happy senior couple at home — illustrating this Medicare guideMedicare SupplementTennessee
Photo: T Leish Photo by T Leish on Pexels
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Tennessee
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

This article walks through what Medigap is, which insurers Medicare.gov lists for Tennessee, the enrollment windows that give you the strongest buying position, and where to go for free help. It is educational only; it does not rank or recommend any plan or company.

What is Medigap, and how is it different from Medicare Advantage in Tennessee?

Medigap is private insurance that works alongside Original Medicare (Parts A and B), paying some of the deductibles, coinsurance and copays that Original Medicare leaves to you. Medicare Advantage (Part C) is a different path — a private plan that replaces how you get your Part A and Part B benefits and usually bundles in extras and a drug plan.

You cannot be enrolled in both at the same time. With Medigap plus Original Medicare, you can generally see any provider in the U.S. who accepts Medicare, and you buy a separate Part D plan for prescriptions. With Medicare Advantage, you typically use the plan's network and follow its rules. The right fit depends on how you use care, your providers and your budget.

Which insurers sell Medigap in Tennessee, and which plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP 37201 lists 30 insurers for Tennessee. The plan letters next to each carrier below are what that search shows for that ZIP code; availability can vary by ZIP, and premiums are not shown here.

Every lettered plan with the same letter covers the same federally standardized benefits, no matter which company sells it. Important caveat: Plans C and F are closed to anyone who became newly eligible for Medicare on or after January 1, 2020.

When is the six-month Medigap Open Enrollment Period in Tennessee, and why does it matter?

Your personal Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During that period, an insurer selling Medigap in Tennessee must sell you any policy it offers, cannot charge you more because of your health, and cannot make you wait for pre-existing conditions beyond the limits in federal rules.

Outside that window, insurers in Tennessee can generally use medical underwriting unless a separate guaranteed-issue right applies — which can mean a different price, or a declined application, based on your health history.

What happens if my Medicare Advantage plan is not returning to Tennessee in 2027?

According to CMS Landscape files, 25 Medicare Advantage plans offered in Tennessee in 2026 will not be offered anywhere in the state in 2027. If you are enrolled in one of those non-returning plans, you have a federal guaranteed-issue right to buy certain Medigap policies without medical underwriting.

Guaranteed issue also applies in other situations — for example, losing certain employer retiree coverage, or moving out of a plan's service area. The rules spell out which Medigap letters you can buy and how long you have to act. Medicare.gov lays this out plan-by-plan.

Does Medigap cover prescription drugs in Tennessee?

No. Medigap policies sold today do not include prescription drug coverage, so Tennesseans with Medigap generally add a stand-alone Medicare Part D drug plan. For 2027, the out-of-pocket cap on covered Part D drugs is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty is $41.33. Actual plan premiums are set plan by plan.

You can review and change Part D coverage during Annual Enrollment 2027, which runs October 15 – December 7, 2026; choices take effect January 1, 2027.

How should I compare Medigap policies in Tennessee for 2027?

Start by comparing by plan letter, since benefits are identical across companies for the same letter. Then ask each insurer about the premium for your age, sex, ZIP code and tobacco use, how it sets rates (for example, by issue age or attained age), how it raises premiums over time, and whether a household or similar discount applies.

The Medicare Plan Finder at medicare.gov is the authoritative source for what is sold in your ZIP code; insurer documents and licensed agents can confirm the details for your situation.

Where can Tennesseans get free, unbiased Medicare help?

Medicare.gov is the official place to compare Medigap, Part D and Medicare Advantage plans, and 1-800-MEDICARE (available 24/7) can answer questions and walk you through enrollment. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which is a separate matter from Medicare premiums; the 2027 Part B premium and deductible and the 2027 IRMAA income brackets have not yet been announced.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Do all 30 insurers listed for Tennessee sell every Medigap plan letter?
No. Each insurer in the Medicare.gov list sells a specific subset of standardized plans. The letters shown above are what Medicare.gov's Medigap search returned for ZIP 37201; availability can vary by ZIP code within Tennessee.
Can I switch Medigap policies in Tennessee outside my six-month open enrollment window?
Yes, you can apply at any time, but outside your Medigap Open Enrollment Period or a guaranteed-issue situation, Tennessee insurers can generally use medical underwriting, which can affect your price or approval. Check Medicare.gov for the full list of guaranteed-issue triggers.
I am newly eligible for Medicare in 2027. Can I buy Plan C or Plan F?
No. Plans C and F are closed to anyone who became newly eligible for Medicare on or after January 1, 2020. Other standardized letters, such as G, G-HD and N, remain available to newly eligible beneficiaries.
Where should I go to compare plans and get free help?
Compare plans at medicare.gov using the Medicare Plan Finder and Medigap policy search, or call 1-800-MEDICARE (available 24 hours a day, 7 days a week) to speak with a representative.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov Medigap policy search: the 30 insurers listed for Tennessee ZIP 37201 and the plan letters each sells.
  • CMS Landscape Source File: the count of 25 Medicare Advantage plans offered in Tennessee in 2026 and not offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period and federal guaranteed-issue rights.
  • CMS — Medicare enrollment periods (medicare.gov): Annual Enrollment dates for 2027.
  • CMS Part D program parameters: the 2027 Part D out-of-pocket cap ($2,400), maximum deductible ($700) and base beneficiary premium ($41.33).
  • Social Security Administration: the 3.6 percent COLA announced October 14, 2026 for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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