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Nursing Homes in Tennessee
Finding Care in Tennessee
If you're looking for nursing home care in Tennessee—whether in Nashville, Memphis, Knoxville, Chattanooga, or rural communities—you're facing one of life's hardest transitions. You might be feeling guilty about not being able to care for your loved one at home, worried about costs, or overwhelmed by choices. Please take a moment to breathe. Seeking professional care when your loved one needs round-the-clock medical support is responsible and loving.
Tennessee has over 300 skilled nursing facilities, regulated by the Department of Health. Many facilities specialize in memory care, post-stroke rehabilitation, or complex wound care. Tennessee nursing homes range from large urban centers to smaller community-based facilities with strong local reputations.
Costs in Tennessee are below the national average, which can provide some financial relief during an already stressful time. Tennessee's Medicaid program (called TennCare) covers nursing home care for eligible individuals, and most facilities accept TennCare—though many require a period of private pay first. Tennessee's ombudsman program provides advocacy and support for residents and families.
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Medicaid Coverage in Tennessee
Many families need help paying for nursing home care. Medicaid is a vital resource, but the rules vary by state. Here's what you need to know about Medicaid nursing home coverage in Tennessee.
Eligibility Requirements
Monthly Income Limit:
$2,982 (2026); Tennessee uses an income cap, but those above can qualify with a Qualified Income Trust (QIT)
$2,982 (2026); Tennessee uses an income cap, but those above can qualify with a Qualified Income Trust (QIT)
Asset Limit:
$2,000 for individuals, with home and one vehicle typically exempt. Spousal protections available.
$2,000 for individuals, with home and one vehicle typically exempt. Spousal protections available.
Processing Time:
45-60 days for initial determination
45-60 days for initial determination
How to Apply
Apply through the Tennessee Department of Human Services or online at tenncareconnect.tn.gov. You'll need financial documents, medical records, and proof of citizenship.
Important Tips for Tennessee Families
- •Tennessee's income limit is $2,982/month (2026). If exceeded, you'll need a Qualified Income Trust (QIT)—an elder law attorney can help establish this.
- •Many Tennessee facilities require 60-90 days of private pay before accepting TennCare. Confirm policies during tours.
- •Tennessee has TennCare estate recovery, but exemptions exist for surviving spouses, disabled children, and caretaker children.
- •Veterans in Tennessee should apply for VA Aid & Attendance benefits, which provide up to $2,424/month.
- •Work with a Tennessee elder law attorney to understand spousal asset protections and transfer rules.
Nursing Home Costs in Tennessee
$240-$340/day average
Monthly Range: $7,200-$10,200
Tennessee nursing home costs are below the national average. Urban areas (Nashville, Memphis, Knoxville) are more expensive than rural counties. Medicare covers skilled nursing for up to 100 days post-hospitalization. TennCare covers long-term care for eligible Tennessee residents.
Medicare Coverage: Medicare Part A covers skilled nursing facility care for up to 100 days following a qualifying hospital stay (3+ days). Days 1-20 are fully covered; days 21-100 require a copay ($217/day in 2026).
Tennessee Resources & Advocacy
Oversight & Complaints
Tennessee Long-Term Care Ombudsman Program
1-877-236-0013Visit website →
The ombudsman helps resolve complaints and advocates for nursing home residents' rights.
Tennessee Department of Health - Health Care Facilities
View inspection reports →Support & Guidance
Tennessee Commission on Aging and Disability
1-866-836-6678Visit website →
Area agencies on aging provide care planning, caregiver support, and benefit counseling.
Medicare Nursing Home Compare
medicare.gov/care-compare →Planning Your Next Steps
Ready to Find the Right Facility?
Use our personalized navigator to find facilities that match your loved one's needs, insurance, and location in Tennessee.
Start Navigator Tool →Disclaimer: This guide is educational only. SunsetWell scores are based on CMS data and peer-group analysis. Medicaid eligibility rules change frequently—always verify current requirements with your state Medicaid office. Always tour facilities personally, speak with staff, review current state inspection reports, and consult healthcare professionals before making placement decisions.
Last updated: June 2026 | Data source: CMS Nursing Home Compare, Tennessee Department of Health - Health Care Facilities, SunsetWell Analysis