Best Medicare Supplement Plans in Tennessee (2026)
By Anthony Orner, Independent Licensed Medicare Insurance Broker · Tennessee filed-rate data pulled September 10, 2026, CSG Actuarial · Davidson County (ZIP 37221)
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A 65-year-old in Davidson County pays $145.19 to $358.58 a month for Plan G across 28 Tennessee carriers (CSG Actuarial filings, pulled September 10, 2026). All 28 policies pay the same claims. Guarantee Trust Life charges 2.5 times what LifeShield National does for the same letter.
Leave Nashville and the floor drops to $131.58. LifeShield National files that number in Anderson County and in 15 of the 16 large counties we quoted. The county gap at 65 is $13.61 a month. By 80 it is $1.51. In Tennessee the carrier moves the price; the address barely does.
Reviewed September 2026 · Filed-rate data pulled September 10, 2026 · Source: CSG Actuarial · Profile: female, non-tobacco, individual, no household discount
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What Plan G and Plan N Cost in Davidson County at 65
Filed rates for ZIP 37221, female, non-tobacco, no household discount. Davidson County is the priciest county in the file for the cheapest Plan G at 65, so these lows are the highest lows in Tennessee. The median column is the midpoint of the filed rates in that row, not a market average.
| Plan | Cheapest filed rate | Median | Highest filed rate | Carriers |
|---|---|---|---|---|
| Plan GMost Popular | $145.19 (LifeShield National) | $174.27 | $358.58 (Guarantee Trust Life) | 28 |
| Plan N | $86.30 (TRH Health (Tennessee Farm Bureau)) | $121.11 | $272.00 (United American) | 27 |
Plan G leaves you the $283 Part B deductible and nothing else. Plan N leaves that plus copays of up to $20 at the office and up to $50 at the emergency room. It does not cover Part B excess charges. Neither plan pays the Part B deductible.
TRH Health (Tennessee Farm Bureau) is Tennessee Farm Bureau's plan. Its $86.30 Plan N is the cheapest in Davidson County, and buying it takes a Farm Bureau membership. Without one, GPM Health and Life is next at $97.75. On Plan G, TRH files $149.64, $4.45 above the Davidson County low. Cheapest Plan G to cheapest Plan N here is $58.89 a month, about $707 a year.
One Floor for 15 of the 16 Largest Counties
Tennessee has 95 counties in 32 rating areas, so on paper the price can change at a county line. In the filings it barely does. That 15-of-16 count covers the largest counties we quoted; the table below reads across all 95. The table gives the cheapest filed Plan G in the cheapest county and in the priciest county, age by age. Same September 10, 2026 pull.
| Age | Lowest county floor | Highest county floor | County gap |
|---|---|---|---|
| 65 | $131.58 (LifeShield National, Anderson County) | $145.19 (LifeShield National, Davidson County) | $13.61 |
| 70 | $136.26 (LifeShield National, Anderson County) | $150.36 (LifeShield National, Davidson County) | $14.10 |
| 75 | $167.63 (LifeShield National, Anderson County) | $173.04 (Medico Insurance Company, Davidson County) | $5.41 |
| 80 | $204.50 (Medico Insurance Company, Anderson County) | $206.01 (LifeShield National, Wilson County) | $1.51 |
The widest county gap at any age is $14.10, at 70. Over 20 years the $13.61 gap at 65 comes to about $3,266. The carrier gap in Davidson County over the same 20 years comes to about $51,214. Only 14 of the 28 states in this dataset have a smaller county gap at 65, and none of them has more than 74 rating areas.
Three Things That Decide a Tennessee Medigap Price
Rate Type: 26 of 28 Attained Age
26 of the 28 Davidson County carriers price on attained age. The premium steps up at each birthday and again with each block filing. LifeShield National files $145.19 at 65, $150.36 at 70, $184.97 at 75, $227.32 at 80. The other 2 rows are community rated: AARP / UnitedHealthcare (NAIC 79413) at $149.73 and AARP / UnitedHealthcare (NAIC 84549) at $178.56. Those move only when the block files.
Rating Area: 32 Areas, $13.61 Apart
A carrier can file a different rate in each of the 32 areas. The floor barely moves: Memphis (Shelby County) $131.58, Knoxville (Knox County) $131.58, Chattanooga (Hamilton County) $131.58; Nashville (Davidson County) $145.19. The top of the table does move: Guarantee Trust Life files $358.58 in Davidson County and $339.51 in Dickson County. Your ZIP still goes on the application, so I quote it, but it is not where the money is.
Carrier: 2.5 Times the Price
In Davidson County, Guarantee Trust Life files $358.58 and LifeShield National files $145.19 for the identical Plan G. That is $213.39 a month, about $51,214 over 20 years before a single increase. Then comes the filing habit. AARP / UnitedHealthcare filed +40.0% on Plan G effective June 1, 2026. A low rate and a quiet block are two different questions, and I ask both.
2026 Rate Filings in Tennessee, Largest Plan G First
CSG's rate-change records from January 2026 to September 2026 list 23 Tennessee filings. 9 raise Plan G by 20% or more. The largest is AARP / UnitedHealthcare at +40.0%, effective June 1, 2026.
A filing is the carrier's increase on a block of policies, not one person's renewal, and the effective date can trail the report month. 24 of the 28 carriers in the Davidson County table carry a 2026 effective date; the newest is September 1, 2026.
| Carrier (as filed) | Effective | Plan G | Plan N | In our quote table |
|---|---|---|---|---|
| AARP / UnitedHealthcare | June 1, 2026 | +40.0% | — | Yes |
| WoodmenLife | January 15, 2026 | +30.0% | — | Yes |
| Omaha Supplemental (Mutual of Omaha) | May 1, 2026 | +30.0% | — | Yes |
| Humana Insurance Company | August 1, 2026 | +30.0% | — | Yes |
| Humana Insurance Company | May 1, 2026 | +29.9% | — | Yes |
| TRH Health (Tennessee Farm Bureau) | June 1, 2026 | +27.0% | — | Yes |
| AARP / UnitedHealthcare | June 1, 2026 | +24.5% | — | Yes |
| BlueCross BlueShield of Tennessee | June 1, 2026 | +23.0% | — | Yes |
| Aetna (Continental Life) | April 1, 2026 | +20.0% | — | Yes |
| State Farm | February 1, 2026 | +20.0% | — | Yes |
| Guarantee Trust Life | April 1, 2026 | +19.9% | — | Yes |
| Globe Life and Accident | March 15, 2026 | +19.5% | — | Yes |
| American Benefit Life | September 1, 2026 | +19.0% | — | Yes |
| HealthSpring Insurance (HCSC) | July 1, 2026 | +18.0% | — | Yes |
| Washington National | June 22, 2026 | +17.4% | — | Yes |
| Aflac (Tier One Insurance) | April 1, 2026 | +17.0% | — | Yes |
| Erie Family Life | August 1, 2026 | +17.0% | — | Yes |
| Insurance Company of North America (Chubb) | September 1, 2026 | +17.0% | — | Yes |
| USAA Life | August 1, 2026 | +15.0% | — | Yes |
| WPS Health Solutions | January 1, 2026 | +15.0% | — | Yes |
| LifeShield National | July 1, 2026 | +12.0% | — | Yes |
| Medico Insurance Company | September 1, 2026 | +8.7% | — | Yes |
| United American | February 15, 2026 | 0.0% | — | Yes |
Source: CSG Actuarial licensed API (rate_increases on each quote). A "No" means CSG's filing name did not tie to a carrier in the Davidson County table above, so no rate here is paired with that row. Closed blocks and group blocks land there. So can a carrier whose filing name differs from the name we quote it under. Every filing in every state is on the 2026 rate-increase page.
Holding a Tennessee rate letter?
Read me the carrier and the new premium. I say where it sits among the 28 Davidson County filings and whether the health questions are worth it.
Compare Your Tennessee Rate — 855-559-1700The Lettered Plans, and Who Holds Them in Tennessee
Federal law standardizes each plan letter, so a Plan G from LifeShield National pays what a Plan G from Guarantee Trust Life pays. NAIC counted 308,365 Tennessee Medigap policyholders in December 2023 (via AHIP's May 2025 report): Plan G 142,900, Plan F 125,018, Plan N 20,123. Plan G holds about 7 times as many Tennesseans as Plan N. These are statewide counts by plan letter, not by carrier or county.
| Plan | What it leaves you to pay | Tennessee policyholders (Dec 2023) |
|---|---|---|
| Plan GMost Popular | The $283 Part B deductible, and nothing else | 142,900 |
| Plan N | The Part B deductible, copays of up to $20 at the office and up to $50 at the ER, and Part B excess charges | 20,123 |
| Plan F | Nothing of Medicare's standard cost-sharing; closed to anyone eligible for Medicare on or after January 1, 2020 | 125,018 |
| Plan A | The Part A and Part B deductibles, skilled-nursing coinsurance, and excess charges | — |
Plan F is closed to anyone who became eligible for Medicare on or after January 1, 2020. CSG's Tennessee Plan F rows start at 72, so there is no Plan F rate table here.
Tennessee Medigap at a Glance (2026)
Each page below answers one question from the same September 10, 2026 CSG pull and the same Davidson County profile.
Cost
What Medicare costs in Tennessee
The $202.90 Part B premium plus the Davidson County Plan G line at 65, 70, and 75, added into one monthly bill.
Rate Data
Tennessee Medigap Rate Index
All 28 Davidson County carriers at 65 with rate type, AM Best, and filing date, plus the 16 largest counties side by side.
Pricing by Age
Pricing at 65, 70, 75, and 80
The Davidson County floor runs $145.19 at 65 and $204.50 at 80, though not from the same carrier. Which carriers climb most, and the lock-in-early window.
Compare
Plan G vs Plan N in Tennessee
A Farm Bureau plan sets the Plan N floor in every county; the gap to Plan G and why few buy it.
Rate Increases
2026 Medigap Rate Increases by State
Every filing in the CSG reports, state by state, Tennessee's 23 included.
Get Help
Talk to a Medicare broker
Every filed carrier at your ZIP, cheapest first, by phone.
Tennessee Medicare Numbers for 2026
- • Part B premium: $202.90 a month at the standard rate.
- • Part B deductible: $283 for the year, the one bill Plan G and Plan N both leave with you.
- • Part A deductible: $1,736 per benefit period, paid in full by Plan G.
- • Tennessee carriers: 28 filed Plan G in Davidson County; 7 of them file a household discount of 11.1% to 20%.
- • Open enrollment: six months from the month you are 65 and on Part B, the one time every carrier takes you without health questions.
Methodology
- Source: CSG Actuarial rate filings, pulled September 10, 2026. Every rate on this page is read from that file at build time; none is typed.
- Profile: female, non-tobacco, individual policy, no household discount applied. A man, a smoker, or a couple gets different numbers.
- Each county was quoted through one sample ZIP for its rating area, 37221 for Davidson County. 8 of the 16 counties we quoted share their sample ZIP with another county. Read a county name here as its rating area, not as your address. 95 counties, 32 rating areas.
- Rate class: where a carrier files more than one, the tables show the cheapest. 6 of the 28 Davidson County Plan G rows have a dearer class behind them; AARP / UnitedHealthcare tops out at $606.76. A quote in one of those classes lands above these numbers.
- County gap: the cheapest filed Plan G in the priciest county minus the same in the cheapest county, at one age. $13.61 at 65 here.
- Carrier counts move. 28 carriers quoted Plan G in Davidson County and 28 quoted it somewhere in the state; blocks open and close between pulls. Counts are filing entities, not brand names: those 28 rows carry 26 names, and AARP / UnitedHealthcare and Humana Insurance Company each file twice.
- Tennessee carriers file by rating area. Davidson County is one sample, not your quote, even with a gap this small.
- Plan F is not sold to anyone who became eligible for Medicare on or after January 1, 2020. CSG's Tennessee Plan F rows begin at 72, so the enrollment count is the only Plan F figure on this page.
- Enrollment: NAIC Medicare Supplement Experience Exhibit, December 2023, via AHIP's May 2025 report. Statewide by plan letter.
- Rate changes: CSG rate-change records, January 2026 to September 2026. A row is one carrier's filing on one block, not one person's renewal.
Tennessee Medigap Questions From the Phone
Anthony Orner, NPN 20586791, 1309 Route 70 West, Cherry Hill, NJ 08002, 855-559-1700, licensed in New Jersey and 34 other states, Tennessee among them. Rates on this page come from CSG Actuarial rate filings pulled September 10, 2026, ZIP 37221 in Davidson County, female, non-tobacco, no household discount; they are a sample, not your quote. MedicareYourself (EasyKind Medicare) is an independent brokerage, not affiliated with Medicare, CMS, or any carrier. The carrier you enroll with pays the broker; your premium does not change.
Related: What Medicare Costs in Tennessee · Tennessee Medigap Rate Index · Tennessee Pricing by Age · 2026 Rate Increases · Medicare Supplement Hub · Medicare Broker · Compare Policies · How to Enroll · Get a Quote
Filed-rate hubs for other states: New Jersey · Pennsylvania · Ohio · Texas
Where does your carrier sit among 28 Tennessee filings?
Bring the premium or the renewal letter. I read the Davidson County Plan G filings back in price order and say whether a move is worth it.
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