Medicare Advantage

Clarksville TN Medicare Advantage plans for 2027

People in Clarksville can choose from 41 Medicare Advantage plans for 2027, against 57 for 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, with 8 of them under a new name.

If you live in Clarksville and you're sorting through Medicare Advantage, the first big decision usually isn't which insurance company to go with — it's what kind of plan fits your life. HMO, HMO-POS, PPO, PFFS and Special Needs Plans all sit under the "Medicare Advantage" umbrella, but they work differently once you actually try to see a doctor or fill a prescription.

Clarksville is in Montgomery County, where 41 Medicare Advantage plans are offered for 2027 from 9 carriers, according to the CMS Medicare Advantage Landscape Source File. Understanding the plan types is what turns that long list into something you can actually work through.

What's on the shelf in Montgomery County

The full table below lists every plan by carrier, but here is the shape of the local market. For 2027, Montgomery County residents can choose among plans from Abilis Health, Aetna (CVS Health), American Health Advantage of Tennessee, Blue Cross Blue Shield (HCSC), BlueCare Plus Tennessee, BlueCross BlueShield of Tennessee, Elevance Health (Anthem), Humana and UnitedHealthcare.

By plan type, the 57 plans divide into 21 HMOs, 18 HMO-POS plans and 18 PPOs. Twenty-two of them are Special Needs Plans (SNPs) — a category we'll get to in a minute. There are no stand-alone Part D drug plans counted here because every MA plan on this list already includes drug coverage.

HMO: a home base for your care

An HMO — Health Maintenance Organization — asks you to pick a primary care doctor and generally stay inside the plan's network. If you want to see a specialist, you'll usually need a referral from that primary care doctor. Care outside the network typically isn't covered except in emergencies.

The trade-off is simple: HMOs tend to be more structured, and in return the paperwork side of things is coordinated through your PCP. On the Clarksville roster, HMO options include plans from Aetna, BlueCare Plus Tennessee, Elevance Health (Anthem) and Humana, among others.

HMO-POS: an HMO with a side door

HMO-POS stands for "HMO with a Point-of-Service option." It works like an HMO most of the time, but the "POS" piece lets you go outside the network for certain services — usually at a higher cost share, and sometimes only for specific types of care listed in the plan documents.

If you split time between Clarksville and another town, or you already see a specialist who isn't in the plan's network, an HMO-POS can offer a little more flexibility than a straight HMO. Centene (WellCare) and UnitedHealthcare, for example, offer HMO-POS plans in the county.

PPO: fewer gates, wider network

A PPO — Preferred Provider Organization — doesn't require you to pick a primary care doctor and generally doesn't require referrals to see a specialist. You can go to out-of-network providers who accept Medicare, though you'll usually pay more than you would in-network.

PPOs come in two flavors: local PPOs, which cover a defined service area, and regional PPOs, which cover a larger multi-state region. Both types show up in the local roster from carriers such as Aetna, BlueCross BlueShield of Tennessee and Humana.

PFFS: the type you'll rarely see here

Private Fee-for-Service (PFFS) plans work differently again: instead of a set network, the plan tells providers how much it will pay, and providers decide (often visit by visit) whether to accept those terms. PFFS plans still exist nationally, but they aren't a big part of the Montgomery County market for 2027 — you'll want to check the plan type carefully on any plan you're considering, since most local options are HMO, HMO-POS or PPO.

Special Needs Plans: built for a specific situation

Special Needs Plans are Medicare Advantage plans limited to people who meet a specific eligibility rule. There are three kinds:

• D-SNP (Dual-Eligible): for people who have both Medicare and Medicaid.
• C-SNP (Chronic Condition): for people with a qualifying chronic condition, such as diabetes or certain heart conditions.
• I-SNP (Institutional): for people who live in a nursing facility or need a similar level of care at home.

Of the 57 plans in Montgomery County, 22 are SNPs. That includes D-SNPs from carriers such as BlueCare Plus Tennessee, Humana and UnitedHealthcare; C-SNPs, including options from BlueCross BlueShield of Tennessee and UnitedHealthcare; and I-SNPs from Abilis Health, American Health Advantage of Tennessee and Humana. You can only enroll in a SNP if you meet its eligibility rules, and you generally have to keep meeting them to stay in the plan.

How to narrow the Clarksville list

A few questions can shrink 57 plans down to a shorter list very quickly:

• Do you already have doctors and a pharmacy you want to keep? Check whether they're in-network before anything else.
• Do you travel or spend part of the year outside Tennessee? PPO or HMO-POS plans typically handle out-of-area care differently than a straight HMO.
• Do you qualify for Medicaid, have a qualifying chronic condition, or live in a facility? A SNP may fit — and may offer coordination other plans don't.
• Do you take specific prescriptions? Every plan here includes drug coverage, but formularies (the drug lists) differ plan by plan.

It's also worth knowing the program-level rules that apply everywhere in 2026: Part D has a $2,100 annual out-of-pocket cap, the maximum Part D deductible is $615, the old "donut hole" coverage gap is gone (there are now three phases), and the Medicare Prescription Payment Plan lets you spread drug costs across the year if that helps your budget. Higher-income enrollees may owe an IRMAA surcharge; for a single filer in 2026, IRMAA begins above $109,000 in income.

Deadlines to keep in mind

The Annual Enrollment Period runs from Oct. 15 through Dec. 7, and changes you make take effect Jan. 1. If you're already in a Medicare Advantage plan, you also get the Medicare Advantage Open Enrollment Period from Jan. 1 through March 31, when you can switch to a different MA plan or drop back to Original Medicare once.