Did you know we call Tennessee home too? Our agents are here to help residents of Athens, TN determine which Medicare path makes most sense.

Navigating Medicare options doesn’t have to be overwhelming. Whether you’re exploring Medicare Supplement (aka Medigap) plans or looking into Medicare Advantage plans, understanding your options can help you choose the best insurance coverage for your needs.

Here, we break down the key information about both plan types to make your decision easier.

Medicare Plan Search

Why Medicare Supplement Plans (Medigap)?

Medicare Supplement plans are designed to fill the gaps in Original Medicare, providing additional insurance coverage for out-of-pocket expenses like copayments, coinsurance, and deductibles. These plans are standardized, meaning the benefits are the same regardless of the insurer you choose—making it easier to compare options. Medicare supplement plans are a popular choice for beneficiaries seeking peace of mind.

Plan G: Athens’ Top Choice for 2025

Plan G is the predecessor of Plan F which was discontinued a number of years ago. Plan G now consistently stands out as the best plan option for those individuals who are looking to both minimize out-of-pocket costs with their Medicare supplement and have predictability in their monthly budget.

While it doesn’t cover the annual Part B deductible (currently $257), it offers full coverage for:

  • Part A coinsurance and hospital costs
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood annually
  • 80% of foreign travel exchange expenses

Average Monthly Premium of Plan G

In Athens, the average monthly premium for Plan G is $145.75. However, premiums can vary depending on the insurance companies offering coverage. Medicare clearly states every year that every Medicare supplement plan of the same type must offer the same benefits, with the only difference being the cost.

Here are the cost ranges for Medicare plan G in Athens, TN.

  1. Low: $98.48 / month
  2. Medium: $145.75
  3. High: $491.45

Plan N: A Cost-Effective Alternative

Plan N is another Medigap option that offers lower premiums while requiring copayments for some services. It’s ideal for those who don’t mind paying small copayments for doctor visits and emergency room care for an exchange of a lower premium.

Why Consider Medicare Advantage Plans?

Medicare Advantage (Part C) plans are an alternative to Original Medicare. These plans bundle Medicare Parts A and B and often include additional benefits such as:

  • Prescription drug coverage (Part D)
  • Vision, dental, and hearing care
  • Wellness programs

Medicare Advantage plans are offered by private insurance companies and operate through network-based coverage, such as Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs). While these plans usually have lower upfront costs than Medigap, they often involve copayments, coinsurance, and network restrictions.

Benefits of Medicare Advantage

  1. Comprehensive Coverage: Many plans include additional healthcare benefits like fitness memberships and transportation to medical appointments.
  2. Cost-Effective: Medicare Advantage plans typically feature lower premiums than Medigap plans, though costs like copayments and deductibles should be considered.
  3. Prescription Drug Coverage: Most Medicare Advantage plans include built-in Part D coverage, eliminating the need for a separate prescription drug plan.

Considerations for Medicare Advantage in Athens, TN

  • Ensure your preferred doctors and specialists are in-network.
  • Review the plan’s drug formulary to confirm your prescriptions are covered.
  • Compare out-of-pocket maximums for different plans.
  • Check the plan’s availability in McMinn County and other nearby areas, including Knoxville.

Which Option is Best for You?

The choice between a Medicare Supplement plan and a Medicare Advantage plan depends on your healthcare needs, budget, and lifestyle.

Medicare Advantage is popular due to the many plans have little to no monthly premium. Each plan has it’s own copay schedule that explains the cost you will incur when you use your plan.

Medicare Supplement is popular for those individuals that want peace of mind that they aren’t restricted by a physician network and can budget their costs monthly due to the coverage supplements provide.

Get Help Finding the Right Plan

Choosing between Medicare Supplement and Medicare Advantage plans can feel overwhelming, but you don’t have to do it alone.

Our licensed Medicare agents are here to help you navigate your options, compare insurance plans, and find the best fit for your healthcare needs and budget.

Medicare Plan Search

Speak with a Licensed Medicare Agent Today

Call us or email us to learn more about your options in Athens, TN, and get personalized recommendations. We’re here to ensure you have peace of mind when it comes to your healthcare coverage.

  • Phone: (833)-567-3163

Other Cities in Tennessee

Aside from Athens, TN, we proudly serve residents across Tennessee. Explore Medicare plans in: Adams, Alcoa, Algood, Chattanooga, Knoxville, Memphis, Nashville, McMinn County, and more.

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When it comes to a monthly payment (your premium), which do you prefer?

One more thing! To personalize your quotes, please answer these questions.

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