Individual & Family Plans

Medicare Supplement Plans

 
If you have already done research about Medicare coverage, you know that Medicare will not pay for everything. From deductibles to coinsurance amounts to certain limitations, the amounts not paid by Medicare can be very expensive.
 
When it comes to financial protection for health care costs for seniors, TRH Health Plans are tried and true. And quite affordable. More than 55,000 Tennesseans 65 years and older have a TRH Medicare Supplement plan (otherwise known as a Medigap plan).
 
Only you know which Medicare Supplement plan will best suit your lifestyle and your budget. 
 
That's why TRH offers eight federally approved Medicare Supplement plans. Every year the federal government makes changes in Medicare deductibles and coinsurance. We revise our coverage to meet Medicare's yearly changes.
 

No Provider Network

With a TRH Medicare Supplement, you can continue to use doctors, hospitals and other providers you’ve been using.  
 

Choice of Eight Coverage Plans

TRH offers eight Medicare Supplement (Medigap) plans whose levels of benefits are set by the federal government.  The government and TRH refer to these as plans A, B, C, D, F, G, M and N.
 
Click here to see a chart comparing the key benefits of all eight Medigap plans.
 
In brief ---
 
All eight plans include these basic benefits:
  • Hospitalization – Medicare Part A coinsurance plus coverage for 365 additional days after Medicare benefits end
  • Medical Expenses – Medicare Part B coinsurance (20 percent of Medicare approved expenses)
  • Blood – First three pints of blood each year
  • Hospice – Part A coinsurance

Plan A provides basic benefits coverage only. It includes no coverage for any other services. It is designed for those who feel financially able to handle both Part A and Part B deductibles plus virtually all other hospital and medical expenses above what Medicare pays.
 
Plans B, C, D, F, G and N add 100 percent coverage for the Part A hospital deductible. Plan M offers 50 percent coverage for the Part A hospital deductible.
 
Plans CDFG, M and N include coverage for skilled nursing coinsurance (up to the daily coinsurance amount for days 21 through 100 of care).
 
Plans CDFGM and N also provide a $50,000 lifetime maximum benefit for medically necessary emergency care when traveling outside of the United States.
 
Plans C and F include benefits for the Part B deductible for medical expenses. 
 
Plans F and G include coverage for 100% of Part B excess charges (the difference between the Medicare-approved amount and the provider's actual charges if the provider doesn’t accept Medicare assignments). 
 

Guaranteed Renewable

As long as you make premium payments on time, do not file claims with false or misleading information, and maintain your annual membership dues, you'll have the security of TRH Medicare Supplement coverage as long as you want it.
 

Money Back Guarantee

If you are not 100% satisfied with your TRH Medicare Supplement plan, return the certificate to us within 30 days after you receive it and we will refund any payments you have made (less any benefits provided).
 
 

Dental Coverage, Too

As an option, you can also get TRH Dental Coverage. With a TRH dental plan, you get affordable financial protection for not only preventive services and routine exams, but a more extensive range of services over time. More than 1,800 dentists participate in the network used by TRH (BlueCross BlueShield of Tennessee DentalBlue Preferred). More Information
 
 

Prescription Drug Coverage

If you haven’t looked into our prescription drug coverage already, click here. It offers a $250 annual deductible and pays 80 percent of eligible prescription drug costs up to $6,000 a year. TRH Prescription Drug coverage is not Medicare Part D coverage.

Medicare does not allow supplement plans to include prescription drug coverage. Prescription drug coverage is available through Medicare’s Prescription Drug Plan (Part D). While TRH does not offer Medicare Part D plans, there are numerous plans available in Tennessee. The best Part D plan for you will depend upon your personal prescriptions. To help in making a decision on the best plan for you, below is a simple three-step process to follow.
 
  1. Visit Medicare Plan Finder on the Medicare website.
  2. Enter your personal prescription information and compare Part D plans that cover your prescriptions.
  3. Enroll in the Part D plan of your choice from Medicare’s website.

If you need additional information regarding a Medicare Part D plan, you can also consult Tennessee State Health Insurance Assistance Program (SHIP). SHIP is a state-wide program that provides free assistance and answers to questions about Medicare.  You can contact SHIP at 1-877-801-0044.