Medicare Advantage

57 Medicare Advantage plans offered in Clarksville for 2026

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 something in their terms, 8 of them under a new name.

CLARKSVILLE, Tenn. — If you're turning 65 soon or already on Medicare, you have a lot of choices to sort through for 2027. Clarksville sits in Montgomery County, where 41 Medicare Advantage plans are being offered for 2027, according to the Centers for Medicare & Medicaid Services (CMS) plan landscape data.

That's a big menu — and knowing how many options are on the table is the first step to picking one that fits your budget, your doctors, and the medications you take.

What "57 plans" actually means

The number 41 refers to Medicare Advantage plans (also called Part C) available in Montgomery County for the 2027 plan year. Medicare Advantage is the private-insurance alternative to Original Medicare (Parts A and B), and most Advantage plans in this area include prescription drug coverage.

A few points worth knowing:

• Plan availability is set at the county level, not the city level. So every Medicare-eligible resident in Clarksville sees the same list of Montgomery County plans.
• Nine different carriers offer Medicare Advantage plans with drug coverage (MA-PD) in the county. That variety is why the total plan count is so high — each carrier typically offers several plan designs.
• The count does not include Original Medicare, which is available to everyone nationwide regardless of ZIP code.

What about stand-alone drug plans?

If you stay with Original Medicare and want prescription coverage, you'd normally add a stand-alone Part D drug plan. Stand-alone Part D plans are sold on a regional basis, not by county, so Clarksville residents choose from Tennessee's regional Part D lineup on Medicare.gov's Plan Finder — the county-level file simply doesn't list them separately.

Roughly 23,428 people age 65 and older live in Montgomery County, and each of them has access to that same regional Part D market.

The 2027 rules that apply to everyone

No matter which plan you choose — or if you stick with Original Medicare — a few program-wide changes take effect in 2027:

• Part D out-of-pocket cap: $2,400. Once your prescription drug spending hits that amount, you pay nothing more for covered drugs the rest of the year.
• Part D deductible maximum: $700. No Part D plan can charge a deductible higher than this.
• No more "donut hole." The old coverage gap was eliminated in 2025. Part D now has three simpler phases.
• Medicare Prescription Payment Plan. This optional program lets you spread your drug costs across the year in monthly installments instead of paying big amounts at the pharmacy counter.
• IRMAA (the income-related surcharge on Part B and Part D premiums) kicks in above $109,000 in income for a single filer in 2026.

How Star Ratings fit in

CMS gives each Medicare Advantage and Part D contract a Star Rating from 1 to 5, based on things like member experience, customer service, and how well the plan manages chronic conditions. In Montgomery County's 2027 lineup, under CMS's 2027 Star Ratings, 5 of the 13 rated contracts are at 4 stars or higher — but ratings can shift year to year, and a contract's rating is only one factor. Your doctors, your prescriptions, and total cost matter just as much.

Key dates to remember

• Annual Enrollment Period: October 15 – December 7. This is when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan for the following year.
• Medicare Advantage Open Enrollment: January 1 – March 31. If you're already in a Medicare Advantage plan, you get one chance during this window to switch to another Advantage plan or return to Original Medicare.

Missing these windows usually means waiting until the next enrollment period, unless you qualify for a Special Enrollment Period (for example, if you move or lose other coverage).