Tennessee Medicare Coverage Guide
Find dental, vision, hearing aid, and nursing home Medicare benefits available to Tennessee residents.
Tennessee Dental Coverage
TennCare covers limited dental for dual-eligible beneficiaries. Meharry Medical College School of Dentistry in Nashville serves underserved populations.
Available Programs
- TennCare Dental
- Medicare Advantage dental plans
- Meharry School of Dentistry
- University of Tennessee College of Dentistry (Memphis)
Typical Out-of-Pocket Cost
$700–$2,500/year
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Tennessee Residents
- Meharry dental school in Nashville and UT in Memphis offer quality low-cost care
- Tennessee SHIP (1-877-801-0044) for plan guidance
- Competitive MA markets in Nashville, Memphis, and Knoxville
Tennessee Vision Coverage
TennCare covers vision for dual-eligible members. MA plan options vary significantly by county.
Available Programs
- TennCare vision benefits
- Medicare Advantage vision
- Tennessee Division of Rehabilitation Services
Typical Out-of-Pocket Cost
$150–$400/year
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Tennessee Residents
- DRS: 615-313-4700 for vision rehabilitation
- Annual diabetic eye exam covered by Part B
- Tennessee SHIP: 1-877-801-0044
Tennessee Hearing Aids Coverage
Medicare does not cover hearing aids. TN has limited audiology resources outside major cities.
Available Programs
- Medicare Advantage hearing plans
- Tennessee Rehabilitation Center
- Tennessee Technology Access Program
Typical Out-of-Pocket Cost
$1,000–$6,500 per pair
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Tennessee Residents
- TTAP: 615-532-6530 for assistive technology
- OTC hearing aids available in Nashville, Memphis, and Knoxville
- Tennessee SHIP: 1-877-801-0044
Tennessee Nursing Home Coverage
Medicare Part A covers SNF. TennCare covers long-term nursing home care. Tennessee has active CHOICES program for home and community-based care.
Available Programs
- Medicare Part A SNF
- TennCare LTC (CHOICES program)
- Tennessee SHIP (1-877-801-0044)
Typical Out-of-Pocket Cost
$200–$265/day semi-private
Costs vary by plan, provider, and income. Dual-eligible (Medicare + Medicaid) beneficiaries often pay much less.
Tips for Tennessee Residents
- CHOICES program is Tennessee's HCBS waiver for home-based care
- TN has affordable nursing home costs
- SHIP: 1-877-801-0044
📊 Live CMS Data Tennessee Medicare Snapshot
Source: CMS Medicare Monthly Enrollment 2024 & CMS MA Landscape 2025 — public data from data.cms.gov
- UnitedHealth
- Humana
- Cigna
Get Free Help in Tennessee
SHIP Counseling
Your state's State Health Insurance Assistance Program (SHIP) offers free, unbiased Medicare counseling from trained volunteers. They can help you compare plans and enroll.
Find Tennessee SHIP →1-800-MEDICARE
Call 1-800-633-4227 (TTY: 1-877-486-2048) 24/7 for Medicare questions, plan comparisons, and enrollment help. Free and official.
Medicare.gov →Medicare Plan Finder
Use the official Medicare Plan Finder tool at Medicare.gov to compare all Medicare Advantage, Part D, and Medigap plans available in Tennessee by ZIP code.
Compare Plans →Nursing Home Compare
Research and compare nursing home quality ratings, staffing levels, health inspection results, and more for facilities across Tennessee.
Care Compare →