Medicare Advantage

Before December 7: Check Your Clarksville Plan Mail

People in Clarksville can choose from 41 Medicare Advantage plans for 2027, against 57 this year. Twelve of this year's plans are gone, 4 are new to Montgomery County, and 15 that continue have changed their premium, deductible, plan type or name, 8 of them under a new name.

Medicare AdvantageClarksville, TN

CLARKSVILLE, Tenn. — If you have a Medicare Advantage plan in Clarksville, this fall's mail is more important than usual. In Montgomery County, 12 plans will not return in 2027, one carrier is pulling out entirely, 4 new plans are joining the lineup, and 8 have been renamed. That means some Clarksville members will need to pick a new plan — and the window to act runs during this year's Annual Enrollment Period, October 15 through December 7.

Here is what is changing, and what a member should do next.

What is changing in Montgomery County for 2027

Clarksville is in Montgomery County, where CMS lists 41 Medicare Advantage plans from 9 carriers for 2027, down from 57 plans from 10 carriers in 2026. Comparing the 2026 and 2027 CMS Landscape files, 37 plans continue, 12 are leaving, 4 are new, and 8 have been renamed. The table below lists every plan available in the county.

The biggest single change: Centene (WellCare) has no Medicare Advantage plans in Montgomery County next year. If you are in a Wellcare plan today, your coverage will not simply roll over.

Plans not returning in 2027

If you are enrolled in one of these plans, your carrier will send a non-renewal notice this fall. The plans leaving Montgomery County after 2026 are:

• Aetna Medicare Signature (PPO) — Aetna (CVS Health)
• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Dual Access (HMO-POS D-SNP) — Centene (WellCare)
• Wellcare Giveback (HMO-POS) — Centene (WellCare)
• Wellcare Patriot Giveback (HMO-POS) — Centene (WellCare)
• Wellcare Simple (HMO-POS) — Centene (WellCare)
• Humana Together in Health Select (PPO I-SNP) — Humana
• Humana Value Plus H5216-180 (PPO) — Humana
• Humana Value Plus H7617-088 (PPO) — Humana
• UHC Dual Complete TN-S001 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete TN-Y2 (HMO-POS D-SNP) — UnitedHealthcare

If your plan is on this list, you get a Special Enrollment Period that runs through the end of February 2027 to pick a new Medicare Advantage plan or a stand-alone Part D plan with Original Medicare. You do not have to wait until then — you can also make your choice during the Annual Enrollment Period (Oct. 15–Dec. 7) so coverage lines up on January 1.

New plans joining Clarksville for 2027

Four plans are new to Montgomery County for the 2027 plan year:

• Aetna Medicare Signature (HMO) — Aetna (CVS Health)
• Humana Together in Health (PPO I-SNP) — Humana
• UHC Dual Complete TN-Q1 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete TN-Y2 (HMO-POS D-SNP) — UnitedHealthcare

A note on the D-SNP names: Special Needs Plans serve specific groups (people with both Medicare and Medicaid, or with certain chronic conditions). They are not open to everyone.

Renamed plans — same plan, new label

Eight plans have new names for 2027. If your ID card says one thing this year and something a little different next year, you may just be in a renamed plan:

• Aetna Medicare Eagle (PPO) — was Aetna Medicare Eagle Giveback (PPO)
• Aetna Medicare Signature Extra (PPO) — was Aetna Medicare Enhanced (PPO)
• HealthSpring Preferred Extra Savings (HMO) — was HealthSpring Preferred Full Savings (HMO)
• Wellpoint Dual Advantage Plus (HMO D-SNP) — was Wellpoint Full Dual Advantage (HMO D-SNP)
• Humana Dual QMB Only (HMO D-SNP) — was Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP)
• Humana Essentials Plus Giveback (HMO) — was Humana Essentials Plus Giveback H4461-039 (HMO)
• Humana Total Complete (HMO) — was Humana Total Complete H4461-043 (HMO)
• UHC Dual Complete TN-YL (HMO-POS D-SNP) — was UHC Dual Complete TN-Y001 (HMO-POS D-SNP)

A rename does not automatically mean the plan is different in other ways. But your ANOC will tell you.

"Changing" plans — read your ANOC

CMS's file flags 15 continuing plans in Montgomery County as changing on premium, deductible, plan type or name. The file does not spell out those details, and neither will we. The document that does is your Annual Notice of Change, which each carrier is required to mail to current members by the end of September. Compare it side-by-side with this year's Evidence of Coverage before December 7.

What a Clarksville member should do

• Open your mail. The ANOC and any non-renewal letter arrive in September and early October. Do not toss them.
• Check your doctors and drugs. Networks and drug formularies can change from year to year. Confirm your providers and prescriptions on the plan's 2027 documents.
• Know the dates. Annual Enrollment Period is Oct. 15 – Dec. 7 for a Jan. 1 start. The Medicare Advantage Open Enrollment Period (Jan. 1 – March 31) lets current MA members make one change. If your plan is not renewed, the non-renewal SEP runs through the end of February 2027.
• Compare on medicare.gov. The Plan Finder shows every Montgomery County option side by side.
• Get free local help. Tennessee's SHIP (State Health Insurance Assistance Program) offers unbiased one-on-one counseling at no cost.

A quick note on 2026 Part D

Whichever plan you end up in, some Part D rules apply across the board next year: the out-of-pocket cap on covered drugs is $2,100, the maximum Part D deductible is $615, the coverage gap ("donut hole") stays eliminated, and the Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly amounts if you choose. IRMAA surcharges start above $109,000 in income for a single filer.