Medicare Advantage

Clarksville's 2027 Medicare Advantage plans: who sells what, and which plan type they are

People in Clarksville can choose from 41 Medicare Advantage plans for 2027, against 57 in 2026. Twelve of this year's plans are gone, 4 are new to Montgomery County, and 15 that continue have changed something in their terms, 8 of them under a new name.

Shopping for Medicare Advantage in Clarksville this fall is a bigger job than it used to be. Clarksville sits in Montgomery County, and for the 2027 plan year the county's Medicare Advantage roster from the CMS Landscape Source File lists 41 plans from 9 carriers. The table below lists every plan by carrier, its plan type (HMO, HMO-POS, or PPO), whether it's a Special Needs Plan, and whether it includes drug coverage.

This guide walks through the lineup carrier by carrier so you can see who competes here, what plan types they offer, and how to narrow the field before you open the Medicare Plan Finder.

What "available in Clarksville" actually means

Medicare Advantage availability is set at the county level, not the city level. So when you see a plan listed for Clarksville, that really means it's offered to people with Medicare who live anywhere in Montgomery County. If you live just over a county line, your list may look different — always check by ZIP code on medicare.gov.

The county's 2027 lineup breaks down like this:

• 21 HMO plans
• 18 HMO-POS plans
• 18 PPO plans
• 22 of those 57 plans are Special Needs Plans (SNPs), designed for people with Medicaid, certain chronic conditions, or who live in an institutional setting
• All 57 plans include prescription drug coverage (MA-PD)

There are no stand-alone Part D plans listed in the Montgomery County landscape file for 2027, because everyone shopping Medicare Advantage here would be picking a plan that already includes drugs.

The carriers competing in Montgomery County for 2027

Nine carriers are on the 2027 Montgomery County roster. In alphabetical order:

• Abilis Health (HMO SNP) — 2 plans, both HMO Institutional SNPs
• Aetna (CVS Health) — 4 plans, a mix of HMO and PPO
• American Health Advantage of Tennessee — 1 plan, an HMO Institutional SNP
• Blue Cross Blue Shield (HCSC) — 7 plans, HMO and HMO-POS; one is a SNP (this is the Wellpoint-branded lineup)
• BlueCare Plus Tennessee — 3 plans, all HMO D-SNPs for people with both Medicare and Medicaid
• BlueCross BlueShield of Tennessee — 7 PPO plans, including two Chronic Condition SNPs
• Centene (WellCare) — 6 HMO-POS plans, one of them a D-SNP
• Elevance Health (Anthem) — 6 plans (HMO and HMO-POS); the Wellpoint branded plans fall here
• Humana — 13 plans, HMO and PPO, with 4 SNPs
• UnitedHealthcare — 8 HMO-POS plans, 5 of them D-SNPs or C-SNPs

The full plan-by-plan breakdown is in the table on this page. If you want to see, for example, all seven BlueAdvantage PPO options from BlueCross BlueShield of Tennessee or the six Wellcare HMO-POS options from Centene side by side, that's where to look.

How to think about the plan types

The names on the roster follow a few patterns that are worth decoding:

• HMO (Health Maintenance Organization). You pick a primary care doctor and generally stay in-network. Out-of-network care usually isn't covered except in emergencies.
• HMO-POS (Point of Service). Same basic structure as an HMO, but with a limited ability to go out-of-network for certain services, usually at a higher cost.
• PPO (Preferred Provider Organization). More flexibility to see out-of-network providers, though your share of the cost is typically higher when you do.
• SNPs. These come in three flavors on the local roster: D-SNPs (for people with Medicare and full or partial Medicaid), C-SNPs (for specific chronic conditions like diabetes or heart disease), and I-SNPs (for people who live in nursing facilities or need that level of care). You must qualify to enroll.

Which plan type fits depends on your doctors, your travel patterns, whether you split time between states, and whether you have Medicaid or a qualifying condition.

What's new about Part D in 2027

Even though this article is about Advantage plans, drug coverage is baked into all 57 of them, so the Part D rules matter.

• The Part D out-of-pocket cap is $2,100 in 2026. Once you hit it, you pay $0 for covered drugs the rest of the year.
• The maximum Part D deductible is $615 in 2026 ($700 in 2027), though many plans set theirs lower.
• The old coverage gap ("donut hole") is gone as of 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• The Medicare Prescription Payment Plan lets you spread your drug costs into monthly bills across the year, at no extra charge. You have to opt in — ask the plan.
• IRMAA (the income-related surcharge) kicks in above $109,000 in income for a single filer in 2026.

Key dates to have on your calendar

• October 15 – December 7: Medicare's Annual Enrollment Period. You can join, switch or drop a Medicare Advantage or Part D plan, and changes take effect January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment. If you're already in an Advantage plan, you can switch to a different one or go back to Original Medicare (and pick up a stand-alone Part D plan if you leave MA in another county).
• Any time of year: If you qualify for a Special Enrollment Period — for example, you moved, lost other coverage, or became eligible for Medicaid — you may be able to change plans outside these windows.

How to narrow 57 plans down to a short list

A practical order of operations:

1. Start with your doctors and hospitals. Ask which Advantage plans they accept for 2027. That single step usually cuts the list dramatically. 2. Add your medications. Use the Plan Finder at medicare.gov to enter each drug and dose. The tool will estimate your yearly drug cost under each plan. 3. Think about how you use care. Do you travel? Split time between states? That may push you toward a PPO. Do you want everything coordinated through one primary doctor? An HMO may feel simpler. 4. Check if you qualify for a SNP. If you have Medicaid or a qualifying chronic condition, SNPs on the roster may offer extra tailored benefits — but eligibility rules apply. 5. Compare star ratings on medicare.gov. CMS rates plans on a 5-star scale each year based on quality and member experience. Ratings are one input, not the whole picture.