Medicare Advantage
HealthSpring Medicare Advantage in Tennessee for 2027: 16 Plans, County by County
NASHVILLE — For the 2027 plan year, HealthSpring is offering 16 Medicare Advantage plans across Tennessee, according to the CMS Medicare Advantage Landscape Source File. The lineup includes a mix of HMO, HMO-POS and PPO options, and most plans include drug coverage. Because Medicare Advantage is sold county by county, a plan listed on the statewide roster may or may not be available in the county where you live. This article is published by an independent Medicare education site; it is not the government, not affiliated with the government, and not the carrier.
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Key takeaways
- HealthSpring is offering 16 Medicare Advantage plans across Tennessee for 2027, with 15 of them including drug coverage.
- The lineup includes two Special Needs Plans: one D-SNP and one C-SNP; there is no I-SNP from this carrier for 2027.
- The Annual Enrollment Period runs October 15 through December 7, 2026, and any choice you make takes effect January 1, 2027.
- A plan listed statewide may not be sold in your county, so verify county availability, doctors and prescriptions before you enroll.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
How many HealthSpring Medicare Advantage plans are offered in Tennessee for 2027?
HealthSpring is offering 16 Medicare Advantage plans across Tennessee for 2027. By plan type, that includes 14 HMO plans, 1 HMO-POS plan and 1 PPO plan. Fifteen of the 16 plans include Part D prescription drug coverage, and one does not.
The 2027 lineup also includes two Special Needs Plans: one Dual Eligible Special Needs Plan (D-SNP) for people who have both Medicare and Medicaid, and one Chronic Condition Special Needs Plan (C-SNP) for people with a qualifying chronic condition. HealthSpring does not offer an Institutional SNP in Tennessee for 2027. For context, CMS lists 11 other carriers offering Medicare Advantage in Tennessee for 2027, with 155 plans statewide from all carriers combined. HealthSpring's plans are listed under its parent organization, Health Care Service Corporation (HCSC), on CMS files.
Which HealthSpring plans in Tennessee have the widest county reach for 2027?
Measured by the number of Tennessee counties where each plan is offered, HealthSpring Courage (HMO) has the widest footprint for 2027 at 83 counties, followed by HealthSpring True Choice (PPO) at 78 counties and HealthSpring Premier (HMO-POS) at 59 counties. The HealthSpring TotalCare Plus (HMO D-SNP) is listed in 62 counties, and the HealthSpring Achieve (HMO C-SNP) is listed in 4 counties.
Several plans share names but are filed as separate contracts covering different groups of counties. For example, CMS lists multiple HealthSpring Preferred (HMO) entries with county reaches of 31, 18, 14, 9, 7 and 4 counties, and two HealthSpring Primary (HMO) entries at 25 and 16 counties. The full plan-by-plan county counts for 2027 are shown in the table on this page.
What is new or not returning for HealthSpring in Tennessee for 2027?
For 2027, HealthSpring has no brand-new Medicare Advantage plans in Tennessee, according to the CMS Landscape files. The carrier's count of plans not returning for 2027 is not available in the source data, so none is stated here.
One plan has been renamed: HealthSpring Preferred Extra Savings (HMO), offered in 9 counties, was previously listed as HealthSpring Preferred Full Savings (HMO). If you were enrolled in that plan for 2026, watch for the new name on 2027 materials from the carrier so you do not mistake it for a different product. The Annual Notice of Change (ANOC) your plan mails before fall will spell out any changes that apply to your specific coverage for 2027.
How do I check whether a HealthSpring plan is offered in my Tennessee county and covers my doctors and prescriptions?
The fastest way to confirm county availability for 2027 is the Medicare Plan Finder at medicare.gov: enter your ZIP code and it will show which HealthSpring plans — and which plans from other carriers — are actually sold where you live. A plan on the statewide list of 16 may not appear in your county's results.
To check doctors, hospitals and prescriptions, look at each plan's provider directory and formulary, which the carrier publishes, and read the Evidence of Coverage (EOC) for the full rules. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week, and ask a representative to walk through what is offered in your county. Writing down your prescriptions, dosages and pharmacy, plus the names of the doctors you want to keep, makes that call much faster.
What should Tennessee Medicare beneficiaries do before December 7, 2026?
Before December 7, 2026, Tennessee beneficiaries should review their current coverage against the plans available in their county for 2027 and make any change they want during the Annual Enrollment Period, which runs October 15 through December 7, 2026. A choice made during that window takes effect January 1, 2027.
A simple checklist:
- Read the ANOC your current plan mails you; it describes changes for 2027.
- List your doctors, hospitals, prescriptions and preferred pharmacy.
- Use the Medicare Plan Finder at medicare.gov to compare plans offered in your county.
- If you are enrolled in HealthSpring Preferred Full Savings (HMO) for 2026, note that it appears for 2027 as HealthSpring Preferred Extra Savings (HMO) in 9 counties.
- Keep a copy of any confirmation number from an enrollment.
Where can Tennessee residents get free help comparing Medicare Advantage plans for 2027?
Free, official help is available from Medicare itself. The Medicare Plan Finder at medicare.gov lets you compare every Medicare Advantage plan sold in your Tennessee county for 2027, including the HealthSpring plans listed above and plans from the 11 other carriers in the state.
You can also call 1-800-MEDICARE (TTY 1-877-486-2048) at any hour to ask questions, confirm what is offered where you live, or start an enrollment. For plan-specific details — copays, networks, drug tiers, prior authorization, extra benefits and star ratings — go directly to the plan's own Evidence of Coverage, formulary and provider directory.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
2027 plan lineup
HealthSpring Medicare Advantage plans in Tennessee for 2027
CMS lists 16 HealthSpring Medicare Advantage plans across Tennessee for 2027, alphabetically by carrier, widest county reach first. 11 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| HealthSpring 16 plans | |||
| HealthSpring Courage (HMO) | HMO | No | 83 |
| HealthSpring True Choice (PPO) | PPO | Yes | 78 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HMO D-SNP | Yes | 62 |
| HealthSpring Premier (HMO-POS) | HMO-POS | Yes | 59 |
| HealthSpring Preferred (HMO) | HMO | Yes | 31 |
| HealthSpring Primary (HMO) | HMO | Yes | 25 |
| HealthSpring Preferred (HMO) | HMO | Yes | 18 |
| HealthSpring Primary (HMO) | HMO | Yes | 16 |
| HealthSpring Preferred (HMO) | HMO | Yes | 14 |
| HealthSpring Preferred (HMO) | HMO | Yes | 9 |
| HealthSpring Preferred Extra Savings (HMO) | HMO | Yes | 9 |
| HealthSpring Preferred Savings (HMO) | HMO | Yes | 9 |
| HealthSpring Preferred (HMO) | HMO | Yes | 7 |
| HealthSpring Achieve (HMO C-SNP) | HMO C-SNP | Yes | 4 |
| HealthSpring Preferred (HMO) | HMO | Yes | 4 |
| HealthSpring Preferred Savings (HMO) | HMO | Yes | 4 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
How HealthSpring Medicare Advantage plans across Tennessee break down for 2027
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
How many HealthSpring Medicare Advantage plans are offered in Tennessee for 2027?
Does a plan on the statewide list mean it is sold in my Tennessee county?
What are the key Medicare dates for 2027 coverage?
Where can I get unbiased help comparing plans in Tennessee?
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): the Tennessee statewide plan counts and per-plan county reach for HealthSpring.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison, including the plan renamed from HealthSpring Preferred Full Savings (HMO) to HealthSpring Preferred Extra Savings (HMO).
- Medicare.gov — Medicare enrollment periods: the Annual Enrollment Period dates (October 15 – December 7, 2026) and the January 1, 2027 effective date.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.