Medicare Advantage

Compare 155 Tennessee Medicare Advantage Plans for 2027 From 12 Carriers

NASHVILLE — Tennesseans with Medicare have 155 Medicare Advantage plans to compare for 2027, offered by 12 carriers across the state, according to the CMS Medicare Advantage Landscape Source File for contract year 2027. Not every plan is sold in every county, so the practical question for a reader in Memphis, Chattanooga, Knoxville or a rural ZIP code is simpler: which of these plans are available where you live, and how do they match the doctors, hospitals, pharmacies and prescriptions you already use?

The Annual Enrollment Period runs October 15 through December 7, 2026. A plan chosen during that window takes effect January 1, 2027. The sections below walk through what the 2027 statewide file shows, how the plan types break down, which carriers are participating, and a step-by-step way to compare the plans offered in your own Tennessee county.

How many Medicare Advantage plans are offered in Tennessee for 2027?

Tennessee has 155 Medicare Advantage plans listed for 2027 across 12 carriers, based on the CMS Medicare Advantage Landscape Source File for CY2027. Of those, 146 include Part D prescription drug coverage, 48 are new for 2027, and 25 plans offered in 2026 are not returning for 2027.

Each statewide count treats a plan as a single contract/plan ID. Because Medicare Advantage is sold county by county, the number of plans an individual Tennessean can actually enroll in will be smaller than 155 and will depend on their ZIP code. The county-level view is what the Medicare Plan Finder at medicare.gov shows when you enter your ZIP.

What types of Medicare Advantage plans are available in Tennessee for 2027, including Special Needs Plans?

Tennessee's 155 plans for 2027 break down by type as 60 HMO, 29 HMO-POS and 66 PPO. Special Needs Plans (SNPs) are counted separately within the file and total 16 D-SNP (for people with both Medicare and Medicaid), 27 C-SNP (for people with certain chronic conditions) and 7 I-SNP (for people living in or needing an institutional level of care).

Plan type matters because it shapes how you use the plan. HMOs typically require you to use in-network providers and may require referrals. HMO-POS plans allow some out-of-network use. PPOs generally let you see out-of-network providers at a different cost share. SNPs have eligibility rules on top of regular Medicare eligibility — you must meet the condition, dual-eligible status, or institutional criteria the plan was built for.

Which carriers offer Medicare Advantage plans in Tennessee for 2027?

Twelve carriers are listed in the 2027 Tennessee Landscape file. In alphabetical order with their statewide plan counts: Abilis Health (HMO SNP) 2; Aetna (CVS Health) 12; American Health Advantage of Tennessee 1; BlueCare Plus Tennessee 3 (including 3 D-SNP); BlueCross BlueShield of Tennessee 20; Devoted Health 38; Elevance Health (Anthem) 9 (including 3 D-SNP); HealthSpring 16 (including 1 D-SNP); Humana 22 (including 2 D-SNP); NHC Advantage 2; UnitedHealthcare 22 (including 7 D-SNP); and Zing Health 8.

The full carrier and plan tables are rendered elsewhere on this page. Being on the list does not mean a carrier offers plans in every Tennessee county; some, such as American Health Advantage of Tennessee, NHC Advantage or Abilis Health, may have narrower county footprints than the larger national carriers. The Plan Finder will show what is available at your address.

How do I compare Medicare Advantage plans in my own Tennessee county for 2027?

The clearest way to compare 2027 plans in your county is to work through the Medicare Plan Finder at medicare.gov step by step. Enter your ZIP code and county, then filter for Medicare Advantage plans with the year set to 2027.

A practical order of operations: 1. Doctors. List the primary care provider and specialists you want to keep. Check each plan's provider directory, and confirm by calling the office to ask whether they are in-network for that specific 2027 plan. 2. Hospitals. Confirm the Tennessee hospital system you prefer — for example, in Nashville, Memphis, Knoxville or your local community hospital — is in-network for the plan. 3. Prescriptions. Enter every medication, dose and frequency into Plan Finder. The tool will show how each plan's formulary treats your drugs. 4. Pharmacies. Add your preferred pharmacy. Cost sharing on the same drug can differ between preferred, standard and mail-order pharmacies within the same plan. 5. Annual Notice of Change (ANOC). If you have a 2026 plan, read the ANOC your carrier mailed in September. It describes what changes January 1, 2027. 6. Evidence of Coverage (EOC). For plan rules, exceptions and appeals, go to the plan's EOC document.

With 48 plans new for 2027 and 25 not returning, current members especially should not assume their plan looks the same next year.

What should Tennesseans do before December 7, 2026?

Before December 7, 2026, Tennesseans should confirm their 2027 plan choice — whether that means keeping the current plan, switching to a different Medicare Advantage plan, or moving between Medicare Advantage and Original Medicare with a stand-alone Part D plan. The choice made during Annual Enrollment takes effect January 1, 2027.

A short checklist: read the ANOC; list your doctors, hospitals, drugs and pharmacy; run Plan Finder for your ZIP; write down the plan name and contract/plan ID of anything you shortlist; and keep confirmation numbers from any enrollment call or online submission.

Where can Tennesseans get free help comparing 2027 Medicare Advantage plans?

Free, unbiased help is available year-round from Medicare itself. The Medicare Plan Finder at medicare.gov lets you compare every 2027 Medicare Advantage and Part D plan available at your Tennessee address, side by side. You can also call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048, 24 hours a day, 7 days a week.

If you want help from the plan directly, call the carrier using the number on its official website or on your mail. Keep notes on who you spoke to and when.