Medicare and Veterans Benefits in Middle Tennessee

Simplifying Medicare & VA Benefits for Tennessee Veterans

Welcome, veterans!


At Tennessee Heartland Insurance, we’re proud to serve Middle Tennessee’s veteran community, from Murfreesboro to Clarksville.

Navigating Medicare alongside VA benefits, TRICARE, or CHAMPVA can be confusing, but we’re here to simplify it.

Our Tennessee-licensed advisors help veterans, spouses, and dependents—including those with disabilities or End-Stage Renal Disease (ESRD)—find plans that fit your health, budget, and rural lifestyle.

Disclaimer: We are an independent, Tennessee-licensed agency not affiliated with CMS or Medicare.

Your Service, Your Benefits

Your service to our nation has earned you trusted healthcare benefits. Tennessee Heartland Insurance honors veterans by simplifying Medicare options for you and your family.

Understanding Medicare for Veterans

Veterans can use Medicare alongside VA benefits, but they don’t coordinate. Here’s how they work together:

  1. VA Benefits: Cover care at VA facilities (e.g., VA Tennessee Valley Healthcare in Nashville) but not at non-VA providers unless pre-authorized.
  2. Medicare:  Covers non-VA hospitals and doctors, offering flexibility in rural areas like Franklin or Lebanon. The VA encourages enrolling in Parts A and B at 65 to avoid penalties (e.g., 10% Part B premium increase per year delayed).
  3. TRICARE: For retirees, requires Parts A and B to maintain TRICARE for Life.
  4. CHAMPVA: For spouses/dependents of disabled veterans, requires Parts A and B if Medicare-eligible.
  5. Why Enroll?: Medicare ensures coverage if VA funding changes or you need non-VA care. We’ll guide you to avoid costly penalties.

Earned Benefits in Tennessee

You’ve earned comprehensive benefits through your dedication. In Middle Tennessee, we help veterans and spouses access state programs alongside Medicare for maximum support.

Tennessee-Specific Veteran Benefits

Tennessee offers benefits that complement Medicare:

  • Property Tax Relief:  Disabled veterans or surviving spouses may qualify for tax exemptions on homes (up to $175,000 market value). Contact your local County Trustee.
  • Tennessee State Veterans’ Homes: Skilled nursing in Clarksville, Humboldt, and Murfreesboro. Medicare or VA per diem may cover costs for eligible veterans.
  • Veterans Service Offices: Tennessee Department of Veterans Services (TDVS) offers free help with federal and state benefits. Find offices in Rutherford or Wilson County.
  • Hunting/Fishing Licenses: Lifetime licenses for disabled veterans. These benefits, paired with Medicare, maximize your healthcare and financial security.

Tailored Healthcare for Heroes

Your service deserves tailored healthcare solutions. We guide Middle Tennessee veterans to Medicare plans that fit your unique needs and earned benefits.

Choosing the Right Medicare Plan

Veterans have unique needs, especially in rural Middle Tennessee. We help you choose:

  1. Original Medicare (Parts A & B):  Flexible for non-VA providers (e.g., TriStar Health). Add Part D for prescriptions or Medigap for copays.
  2. Medicare Advantage (Part C): All-in-one plans with extras like dental or vision, ideal for rural areas with telehealth. Some offer $0 premiums but check local networks (e.g., in Cookeville).
  3. Part D:  Covers prescriptions at pharmacies like Walgreens in Dickson. We ensure your medications are included. We verify coverage with local providers to avoid surprises. 

Lifelong Support for Veterans

Veterans’ sacrifices earn lifelong support. Tennessee Heartland Insurance connects you to local resources to enhance your Medicare and VA benefits.

Additional Help Resources

Access these Tennessee resources:

  • Tennessee Department of Veterans Services (TDVS): Free benefits assistance. Visit tn.gov/veteran
  • Veterans Crisis Line: Dial 988, then press 1 for confidential support.
  • Area Agencies on Aging: Find Medicare counseling in Middle Tennessee via n4a.org
  • VA Tennessee Valley Healthcare System:  Facilities in Nashville and Clarksville. Call 615-327-4751. We’ll connect you to these resources for comprehensive support.

Get Started Today

Don’t let Medicare confusion hold you back.

Whether you’re a veteran, spouse, or dependent, Tennessee Heartland Insurance offers free, personalized guidance.

Call 615.899.4900 or email info@tennesseeheartlandinsurance.com for a consultation.

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© Copyright 2025 Tennessee Heartland Insurance. All Rights Reserved.
Tennessee License # 3003749242
Proudly serving all Medicare-eligible individuals, including seniors turning 65 and others who qualify, with independent, Tennessee-licensed guidance. We are not affiliated with CMS or Medicare. We do not offer every plan available in your area; our information is limited to plans we offer. Please contact Medicare.gov or 1-800-MEDICARE for all your options.