According to the Guide to Medicare, published by the Centers for Medicare & Medicaid Services, you can get a Medicare Supplement (Medigap) plan if: 1) you join a plan in your service area, 2) you have both Medicare Part A and Part B, and 3) you do not have End-Stage Renal Disease. There are eceptions to this rule that are eplained on page 63 of this publication http://www.medicare.gov/pub..
.. Since health insurance is state regulated, there may be laws in your state that supersede these federal regulations. The best thing for you to do is contact an insurance carrier in your state, or an agent that sells Medicare supp products. You can find a list of agents in your state that sell Medicare Supplement (Medigap) products by visiting our Medicare Supplement (Medigap) directory for Tennessee. You might also contact Blue Cross Blue Shield of Tennessee.