TIS Insurance Services


Medicare Basics

The Medicare Annual Election Period (AEP) begins October 15th and ends December 7th. During this time period, you may review your Medicare Plan and make changes. For more information or assistance, contact the TIS Medicare Specialist Steven Sitton at 865.824.6951 to schedule an appointment or via email.

Medicare Part A – Hospital Insurance
  • Helps with cost of inpatient hospital stays and skilled nursing costs
  • Includes hospice care
  • Provides limited home health benefits
Medicare Part B – Medical Insurance
  • Helps with the cost of medically necessary doctor visits and other medical services including: outpatient care at hospitals and clinics, laboratory tests, some diagnostic screenings, some skilled nursing care
  • Requires additional monthly premiums
TIS Insurance services include but are not limited to the following:
  • Individual Life Insurance
  • Individual Health Insurance Options:
    • Health Insurance Marketplace
    • Blue Cross Blue Shield of Tennessee
    • HUMANA Health
  • Long Term Care Insurance
  • Disability Insurance
  • Medicare: Prescription Drug, Supplements and Advantage Plans
Medicare Part C – Medicare Advantage Plans
  • Offered by private insurance companies approved by and contracted with Medicare
  • Combines hospital and outpatient services into one package for Medicare beneficiaries who are entitled to Part A and enrolled in Part B
  • Some plans include Part D prescription drug coverage
  • Plans include HMOs, PPOs, and Private Fee-for-Service
  • Some have a monthly premium payable to the health insurance plan in addition to their Part B premium
Medicare Part D – Prescription Drug Plans
  • Voluntary program offered by private insurance companies that contract with Medicare to provide prescription drug coverage for an additional monthly premium
  • Plans vary based on price, drug formulary, and network
Medicare Supplement
  • Also referred to as a Medigap policy
  • Offered by private insurance companies to help pay Medicare Part A and B coinsurance, copayment, and/or deductibles for medically necessary procedures as determined by Original Medicare
  • Premiums vary between health plans for the same coverage
  • Standardized policies identified as Plans A through N

For more information, you may choose to visit the Medicare website  or

Contact Steven Sitton at 865.824.6951 or via email

aarp_tag_cmyk_all_large united-healthcare-logo CignaHS_logo_H-RGB BlueCrossBlueShieldTennessee_logo