Medicare Advantage

Humana Medicare Advantage in Tennessee for 2027: 22 Plans, County by County

NASHVILLE — For the 2027 plan year, Humana will field 22 Medicare Advantage plans across Tennessee, according to the CMS Medicare Advantage Landscape Source Files. Humana is one of 12 carriers offering Medicare Advantage in the state next year, out of 155 total plans statewide. This article is published by an independent Medicare education site; it is not the government, not affiliated with CMS, and not Humana.

What is Humana offering across Tennessee for 2027?

Humana will offer 22 Medicare Advantage plans in Tennessee for 2027, split between 14 HMO plans and 8 PPO plans. Of those, 19 include Part D prescription drug coverage, and the remaining plans are offered without drug coverage.

The lineup also includes five Special Needs Plans: 2 Dual-Eligible SNPs (D-SNPs) for people who qualify for both Medicare and Medicaid, 1 Chronic Condition SNP (C-SNP) oriented to beneficiaries living with specific conditions, and 2 Institutional SNPs (I-SNPs) for people meeting institutional-level care criteria. Alongside Humana, 11 other carriers will offer Medicare Advantage plans somewhere in Tennessee in 2027.

The full plan-by-plan list is rendered as a table elsewhere on this page; the sections below highlight only the counts and categories relevant to each point.

Which Humana plans reach the most Tennessee counties in 2027?

In Tennessee for 2027, Humana's widest-reaching plans are the two regional PPOs — HumanaChoice R0110-017 (Regional PPO) and HumanaChoice R0110-018 (Regional PPO) — along with Humana Together in Health (PPO I-SNP), each listed in 95 counties according to the CMS Landscape file.

Several other Humana plans also appear in large portions of the state. Humana Gold Plus SNP-DE H4461-022 (HMO D-SNP) is listed in 89 counties, Humana USAA Honor Giveback (PPO) in 89 counties, Humana Dual QMB Only (HMO D-SNP) in 88 counties, and Humana USAA Honor Giveback (HMO) in 88 counties. Value Plus PPOs and HumanaChoice H5216-097 (PPO) sit in the 70s and 80s by county count. Smaller-footprint plans — including several Humana Gold Plus HMOs and Humana Total Complete (HMO) variants — reach between 9 and 34 counties.

Because Medicare Advantage is sold county by county, a plan on this statewide list may not be offered in your county. The CMS Landscape file is the controlling source for where a plan is available.

What is new or not returning from Humana in Tennessee for 2027?

Comparing CMS Landscape Source Files for 2026 and 2027, Humana has 7 plans new for 2027 in Tennessee and 7 plans that are not returning for 2027. The new 2027 entries include several Humana Gold Plus HMO contracts (H4461-080, H4461-081, and H4461-083) and a new Humana Together in Health (PPO I-SNP) listing. A few returning plans have been renamed, including Humana Dual QMB Only (HMO D-SNP), Humana Essentials Plus Giveback (HMO), and Humana Total Complete (HMO).

If your current Humana plan is among those not returning for 2027, you should receive an Annual Notice of Change or a non-renewal notice from the plan. That notice explains your options and the enrollment windows that apply.

How do I check whether a Humana plan is offered in my Tennessee county and covers my doctors and drugs?

To confirm whether a specific Humana plan is offered in your Tennessee county for 2027, and whether it covers your doctors and prescriptions, use the Medicare Plan Finder at Medicare.gov, call 1-800-MEDICARE (TTY 1-877-486-2048), or read the plan's own Evidence of Coverage and provider and pharmacy directories.

A few practical steps:

• Enter your ZIP code on Medicare.gov to see which of the 22 Humana plans — and which plans from the other 11 carriers — are actually available where you live.
• Enter each prescription (name, dose, frequency) to see how it is handled on a plan's drug list.
• Search each doctor, specialist, hospital, and preferred pharmacy against the plan's current directory.
• If a plan requires referrals or prior authorization for services you use, confirm those rules in the Evidence of Coverage.

This independent site does not quote premiums, copays, benefits, networks, drug lists, or star ratings; those details live in the plan's official documents and on Medicare.gov.

What should Tennessee Medicare beneficiaries do before December 7, 2026?

Before December 7, 2026, Tennessee beneficiaries should review their current coverage and compare it against the plans available in their county for 2027. The Annual Enrollment Period runs October 15 – December 7, 2026, and any choice made in that window takes effect January 1, 2027.

A simple checklist:

• Read the Annual Notice of Change from your current plan; it describes what is changing for 2027.
• List your doctors, hospitals, pharmacies, and prescriptions before you compare.
• On Medicare.gov, look at all plans offered in your county — Humana's and the other carriers' — not just the one you have today.
• If your plan is not returning for 2027, note the special enrollment rules in the notice you receive.
• Keep written confirmation of any enrollment you complete.

Decisions made during this window are effective January 1, 2027. There is time to compare carefully.

Where can Tennesseans get free help with Medicare questions for 2027?

Free, official Medicare help is available year-round at Medicare.gov and by phone at 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week. The Medicare Plan Finder at Medicare.gov is the authoritative tool for seeing which plans are offered in your Tennessee county for 2027 and for comparing coverage details.

For questions tied to a specific plan — benefits, drug tiers, prior authorization, provider networks, or appeals — contact the plan directly using the number on its materials, or read the Evidence of Coverage.