Medicare Advantage

Aetna Medicare Advantage in Tennessee for 2027: 12 Plans, County by County

NASHVILLE — Aetna, which the Centers for Medicare & Medicaid Services groups under Aetna (CVS Health), will offer 12 Medicare Advantage plans across Tennessee for 2027, according to the CMS Medicare Advantage Landscape Source Files. Those plans sit alongside offerings from 11 other carriers in the state, for a statewide total of 155 Medicare Advantage plans. Because each plan is sold county by county, the specific plans available to any one Tennessean depend on where they live.

2027 plan lineupTennessee

This explainer comes from an independent Medicare education site. It is privately owned, not run by the government, not affiliated with CMS, and not affiliated with Aetna or any other insurance carrier.

What is Aetna offering across Tennessee for 2027?

Aetna is listing 12 Medicare Advantage plans statewide in Tennessee for 2027. By plan type, that breaks down to 6 HMOs, 2 HMO-POS plans, and 4 PPOs. Nine of the 12 plans include Part D prescription drug coverage, while three are offered without drug coverage.

Aetna is not listing any Special Needs Plans in Tennessee for 2027 — no Dual-Eligible (D-SNP), no Chronic Condition (C-SNP), and no Institutional (I-SNP) plans. Tennesseans who need an SNP will need to look at other carriers in the state's 2027 landscape, which includes 11 other Medicare Advantage carriers and 155 plans in total.

A plan being listed statewide does not mean it is sold in every county. Each plan has its own service area, so what shows up on the Medicare Plan Finder for a ZIP code in Shelby County may look very different from what shows up in Johnson County.

Which Aetna Medicare Advantage plans reach the most Tennessee counties in 2027?

The widest county reach among Aetna's 2027 Tennessee plans belongs to three plans tied at 67 counties: Aetna Medicare Eagle (PPO), Aetna Medicare Value Plus (HMO), and the plan listed as Aetna Medicare Signature Extra (PPO), which was renamed from Aetna Medicare Enhanced (PPO).

Behind those, Aetna Medicare Signature Extra's PPO stablemate — Aetna Medicare Signature (PPO) — is offered in 14 counties, and a separate Aetna Medicare Signature (PPO) listing appears in 1 county after being renamed from Aetna Medicare Signature Care (PPO). The rest of Aetna's 2027 lineup — the two Aetna Medicare Eagle (HMO-POS) listings, the three Aetna Medicare Enhanced (HMO) and Aetna Medicare Signature (HMO) HMO listings — appear in 3 to 13 counties each. The full plan-by-plan county counts are shown in the table rendered elsewhere on this page from the CMS data.

What is new or not returning from Aetna in Tennessee for 2027?

Of Aetna's 12 Tennessee Medicare Advantage plans for 2027, 7 are new for the year and 3 current plans are not returning. The new-for-2027 plans include both Aetna Medicare Eagle (HMO-POS) listings, all three Aetna Medicare Enhanced (HMO) listings, and two of the Aetna Medicare Signature (HMO) listings.

Two returning PPOs appear under new names in the CMS file: the plan now called Aetna Medicare Eagle (PPO) was previously Aetna Medicare Eagle Giveback (PPO); Aetna Medicare Signature Extra (PPO) was previously Aetna Medicare Enhanced (PPO); and one Aetna Medicare Signature (PPO) listing was renamed from Aetna Medicare Signature Care (PPO). A rename is not the same as a discontinuation, but it can be confusing on an Annual Notice of Change letter, so it is worth comparing plan IDs rather than just names.

If you are currently in one of the 3 Aetna plans not returning for 2027, you should receive a non-renewal notice from the carrier and will need to pick a new plan during the Annual Enrollment Period to avoid defaulting back to Original Medicare.

How do I check whether an Aetna plan is offered in my Tennessee county and covers my doctors and drugs?

To confirm whether a specific Aetna plan is offered in your Tennessee county for 2027 — and whether it covers your doctors and prescriptions — use the Medicare Plan Finder at medicare.gov, call 1-800-MEDICARE (TTY 1-877-486-2048), or review the plan's own Evidence of Coverage and provider and pharmacy directories.

Enter your ZIP code on the Plan Finder, add your prescriptions and preferred pharmacies, and the tool will show which of Aetna's 12 Tennessee plans actually serve your address and how your drugs are handled on each plan's formulary. For in-network providers, cross-check the plan's online directory or call the clinic to confirm the plan is accepted for the 2027 contract year, since networks can change at the start of a plan year.

What should Tennessee Medicare beneficiaries do before December 7, 2026?

The Annual Enrollment Period for 2027 Medicare Advantage coverage runs October 15 through December 7, 2026, and a choice made during that window takes effect January 1, 2027. Any switch between Original Medicare and Medicare Advantage, or from one Medicare Advantage plan to another, should be submitted by December 7, 2026.

A reasonable checklist: read the Annual Notice of Change from your current plan when it arrives in September; make a short list of your doctors, hospitals, and prescriptions; run those details through the Plan Finder for your ZIP code; and, if you are considering an Aetna plan from the 2027 Tennessee lineup, verify county availability before enrolling.

Where can Tennesseans get free help comparing 2027 Medicare plans?

Free, unbiased help on 2027 Medicare plans is available at medicare.gov and by calling 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Both are run by the federal Medicare program and can walk Tennesseans through plan comparisons without steering them to any one carrier.

You can also request plan documents directly from Aetna to review the Evidence of Coverage, Summary of Benefits, and provider and pharmacy directories for any plan you are considering.