It has often been said that there is no greater freedom than the freedom of choice. Thankfully for seniors in the state of Tennessee there is a wealth of Medicare Advantage plans available to fit the needs of those who qualify for Medicare. These plans are a combination of health insurance benefits with prescription drug coverage.

There are plenty of options that also include extra benefits such as dental, transportation and gym memberships. These extra benefits can be invaluable to your clients.

Tennessee also has numerous plans that cater to those who qualify for Medicaid in addition to being Medicare eligible. These Medicare Advantage plans known as Special Needs Plans are available to be purchased by these dual eligible’s and include everything that they would get with Medicaid as well as additional benefits to assist in everyday living.

In most counties in Tennessee there are multiple plans that have a $0 premium. There are co-pays and deductibles but out of pocket costs are capped by Medicare. These can be a lifesaver to seniors on a fixed income.

Tennessee also is host to one of the few 5 star plans in the country. Every Medicare Advantage plan is assigned a 1 to 5 star rating based CMS’s ranking from low to high quality.

Here at Pinnacle Financial Services we can help agents get contracted with the carriers that will allow them to service agents statewide. We also offer ancillary plans that can help offset some of the out of pocket cost associated with the plans.

Please give us a call if you would like to discuss some of the carriers can best meet the needs of your clients in the state of Tennessee.