Medicare Advantage · Tennessee
Medicare Advantage Plans in Tennessee
Medicare Advantage availability in Tennessee is set by county, not by state, so two people in the same state can have entirely different options.
- Plans filed for your county
- Licensed agents
- TTY 711
Medicare Advantage in Tennessee
Tennessee’s free, independent Medicare counseling comes from its State Health Insurance Assistance Program, run by the Tennessee Department of Disability and Aging.
A licensed agent in our Greenwood Village, Colorado office compares the Medicare Advantage plans filed for your Tennessee county, explains the differences, and you decide. How Medicare Advantage works is the same in every state; what is available to you is not.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office — not a call center, not a robot.
How plan availability works in Tennessee
Medicare Advantage availability is set by county, not by state. The plans open to you are the ones filed for your county, and that list is what a licensed agent compares with you.
Plans are filed by county
Each plan files the counties it will serve, so two people in Tennessee can have entirely different options depending on where they live.
A relative’s plan may not be yours
A plan a friend or relative has in another county may not be offered in yours. Only the list filed for your county counts.
Ask, with your ZIP code
Call 1-888-957-3337 (TTY 711), or use the Medicare Plan Finder at medicare.gov with your ZIP code.
Free Medicare help in Tennessee
Every state runs a State Health Insurance Assistance Program: federally funded, free, and staffed by trained counselors who do not sell insurance. It is a good place to get an independent second opinion on anything a licensed agent, including ours, tells you.
State Health Insurance Assistance Program (SHIP)
Tennessee’s program is the State Health Insurance Assistance Program (SHIP), run by the Tennessee Department of Disability and Aging and reachable at 1-877-801-0044 (TTY 1-800-848-0299). It is federally funded and free: trained counselors who do not sell insurance help Tennesseans compare Medicare options, apply for Extra Help, and understand what a plan’s paperwork means. Because it is housed with the state’s aging and disability services rather than the insurance regulator, it is also a natural first call for anyone who is on Medicare because of a disability rather than age. Program details as listed by shiphelp.org.
Tennessee Department of Commerce and Insurance
Medicare Advantage plans are approved and overseen federally by the Centers for Medicare & Medicaid Services; the agents who sell them are licensed by the state.
The agents and agencies that sell Medicare Advantage in Tennessee are licensed by the Insurance Division of the Tennessee Department of Commerce and Insurance. Its site lets you verify an agent’s license and file a complaint, and the same department houses the TennCare Oversight Division, which matters if you are dually eligible for Medicare and Tennessee’s Medicaid program. Ask any agent for their Tennessee license number and check it there.
When you can enroll in Tennessee
You can join, switch or leave a Medicare Advantage plan only during set enrollment periods. Four apply to most people.
Initial Enrollment Period
The three months before the month you turn 65, that month, and the three months after. If you are already receiving Social Security, Part A and Part B enrollment is usually automatic; a Medicare Advantage plan is a separate choice.
Annual Enrollment Period
Each fall, anyone with Medicare can join, switch or drop a Medicare Advantage plan for coverage starting January 1.
Medicare Advantage Open Enrollment Period
People already in a Medicare Advantage plan can make one change: switch to another Medicare Advantage plan, or return to Original Medicare.
Special Enrollment Periods
Certain life events open a window outside those dates: moving to a new county, losing other coverage, or a change in eligibility for Medicaid or Extra Help, among others. Whether an event qualifies you is worth confirming rather than assuming; a licensed agent or State Health Insurance Assistance Program (SHIP) can tell you.
Common questions in Tennessee
Are the same Medicare Advantage plans available across Tennessee?
No. Each plan files the counties it will serve, and Tennessee has 95 of them. Shelby County (Memphis), Davidson (Nashville), Knox and the rural counties of the Cumberland Plateau can each have a different list. A licensed agent compares the plans filed for your county specifically.
Where can Tennessee residents get free Medicare counseling?
From Tennessee’s State Health Insurance Assistance Program (SHIP), run by the Department of Disability and Aging, at 1-877-801-0044 or TTY 1-800-848-0299. It is federally funded and free, and its counselors do not sell insurance, which makes it a good independent check on any agent’s advice.
I am on Medicare in Tennessee because of a disability, not age. Does that change anything?
Not the plans that are filed for your county, but it can change your enrollment timing and whether you also qualify for TennCare. Tennessee’s SHIP sits inside the Department of Disability and Aging and handles exactly these questions; the TennCare Oversight Division at the Department of Commerce and Insurance covers the Medicaid side.
Who do I complain to about a Medicare agent in Tennessee?
The Insurance Division of the Tennessee Department of Commerce and Insurance licenses agents and takes complaints through its website, where you can also verify a license. For the plan itself, Medicare’s own complaint process applies; Tennessee SHIP at 1-877-801-0044 can tell you which route fits your problem.
Important information about the plans we offer
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, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
Senior Solutions Insurance is not connected with or endorsed by the U.S. government or the federal Medicare program.
Deductibles, copays and coinsurance may apply. Limitations and exclusions may apply. You must continue to pay your Medicare Part B premium. Enrollment in a plan depends on the plan’s contract renewal with Medicare.
To speak with a licensed insurance agent, call 1-888-957-3337 · TTY 711 · Monday–Friday 9:00 AM–7:00 PM, Saturday 9:00 AM–5:00 PM.
Prefer we call you? Here is what happens next.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office.
A licensed agent calls you back
During business hours: Monday to Friday 9 to 7, Saturday 9 to 5, Mountain Time.
We focus on what you actually need
Tell us whether you need help with Final Expense insurance, Medicare or another health coverage question. Your agent reviews the options that apply to your situation.
You decide what fits
We explain the important differences and next steps. If an option makes sense, we can help you move forward. There is no fee for speaking with us.
Sources
- shiphelp.org — Tennessee State Health Insurance Assistance Program listing (program name, website and phone number)
- medicare.gov — joining a plan (enrollment periods)
- Tennessee Department of Commerce and Insurance — state insurance regulator
- Wikimedia Commons — state outline (CC0)
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Last updated: September 2026