Medicare Advantage

Medicare in Collierville: 73 Plan Options for 2026

COLLIERVILLE, Tenn. — If you're sorting through Medicare choices this fall in Collierville, you have a lot to weigh. Collierville is in Shelby County, where 73 Medicare Advantage plans are available for 2026, according to CMS Medicare Plan Finder data. That's a wide field of options — and knowing what's out there is the first step to picking what fits.

Here's a plain-language look at how many Medicare options Collierville-area shoppers can consider this year, and what those numbers actually mean.

How many Medicare Advantage plans are available in Shelby County

For 2026, Shelby County residents — including people in Collierville — can choose from 73 Medicare Advantage plans. Those plans come from 11 different carriers offering Medicare Advantage with prescription drug coverage (MA-PD).

Medicare plan availability is set at the county level, not the city level, so every ZIP code in Collierville sees the same overall plan lineup as the rest of Shelby County.

With roughly 136,050 residents age 65 and older in Shelby County, that's a large market — which helps explain why so many carriers compete here.

What about stand-alone Part D drug plans?

Stand-alone Part D plans (called PDPs) are for people who stay with Original Medicare and want separate drug coverage. In 2026, PDP availability is set by broader regions, not counties, so the count for Shelby County shows as 0 county-specific PDPs in the local landscape file. Tennessee residents still have access to the region's standard menu of PDPs through Medicare.gov — you just won't find them in a county-only count.

Bottom line: if you want drug coverage and prefer Original Medicare, PDPs still exist for you. If you prefer an all-in-one plan, most Medicare Advantage plans in the area already include drug coverage.

A quick word on Star Ratings

CMS gives Medicare Advantage and Part D contracts a Star Rating from 1 to 5 to reflect quality and member experience. In the Shelby County landscape data, 0 contracts are currently rated 4 stars or higher at the contract level being counted here. Ratings can change year to year, and a single contract can cover multiple plans, so it's worth checking the current star rating for any plan you're considering on Medicare.gov.

Star Ratings are one factor — not the only factor — to look at.

2026 Medicare facts worth knowing

These figures apply nationwide, not just to Collierville:

• Part D out-of-pocket cap: $2,100 in 2026. Once your covered drug costs hit that amount, you pay $0 for covered Part D drugs the rest of the year.
• Part D maximum deductible: $615.
• No more "donut hole." As of 2025, Part D has three phases instead of four — the coverage gap is gone.
• Medicare Prescription Payment Plan: You can choose to spread your yearly drug costs into smaller monthly payments instead of paying all at once at the pharmacy.
• IRMAA: Higher-income surcharges on Part B and Part D start above $109,000 for a single filer in 2026.

Key dates for Collierville shoppers

• Annual Enrollment Period (AEP): October 15 – December 7. This is when anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan for the next 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 MA plan or return to Original Medicare.

Missing these dates usually means waiting a full year, so mark your calendar.