Medicare Advantage

Before You Toss That ANOC: Memphis MA Plan Shifts

For 2027, Shelby County is looking at 67 Medicare Advantage plans from 11 carriers: 12 new, 11 gone since 2026, and 23 continuing plans with changes to their terms, 7 of them under a new name. Below, how the lineup shifted in Shelby County and what to compare, with no plan ranked or recommended.

MEMPHIS — If you have a Medicare Advantage plan in Memphis, this fall's mail is worth opening. When the Annual Enrollment Period runs Oct. 15 through Dec. 7, Shelby County residents will see a reshuffled lineup for 2027: 11 plans are leaving, 12 are new, and 7 have been renamed. One carrier, Centene (WellCare), will not offer Medicare Advantage plans in the county next year.

Here is what is changing, what stays the same, and what to do if your plan is one of the ones going away.

What's changing in Shelby County for 2027

Memphis is in Shelby County, where CMS lists 73 Medicare Advantage plans from 12 carriers for 2026 and 67 plans from 11 carriers for 2027. Comparing the two Landscape files, the picture for next year looks like this:

• 11 plans leaving after 2026
• 12 new plans for 2027
• 7 plans renamed
• 23 plans changing on premium, deductible, plan type or name (details are in your ANOC)
• 55 plans continuing with no change flagged by CMS

The table on this page lists every plan by carrier. Below, we walk through what is actually moving.

Plans leaving after 2026

If you are enrolled in one of these plans, your coverage will not automatically continue into 2027. You will need to pick a new plan during AEP or return to Original Medicare.

• Aetna Medicare Enhanced (HMO) — Aetna (CVS Health)
• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Assist (HMO-POS) — Centene (WellCare)
• Wellcare Dual Access (HMO-POS D-SNP) — Centene (WellCare)
• Wellcare Giveback (HMO-POS) — Centene (WellCare)
• Wellcare Patriot Giveback (HMO-POS) — Centene (WellCare)
• Wellcare Simple (HMO-POS) — Centene (WellCare)
• DEVOTED CHOICE 011 TN (PPO) — Devoted Health
• Humana Together in Health Select (PPO I-SNP) — Humana
• UHC Dual Complete TN-S001 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete TN-Y2 (HMO-POS D-SNP) — UnitedHealthcare

Because Centene (WellCare) is exiting Shelby County entirely, every WellCare member here is affected.

New plans for 2027

Twelve plans are joining the Shelby County lineup for the coming year:

• BlueAdvantage Emerald (PPO) — BlueCross BlueShield of Tennessee
• DEVOTED C-SNP CHOICE ENHANCED 037 TN (PPO C-SNP) — Devoted Health
• DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 036 TN (PPO C-SNP) — Devoted Health
• DEVOTED C-SNP CHOICE PLUS 031 TN (PPO C-SNP) — Devoted Health
• DEVOTED CHOICE 024 TN (PPO) — Devoted Health
• DEVOTED CHOICE GIVEBACK 025 TN (PPO) — Devoted Health
• DEVOTED CHOICE GIVEBACK EXTRAS 044 TN (PPO) — Devoted Health
• Humana Together in Health (PPO I-SNP) — Humana
• AARP Medicare Advantage Direct Plus from UHC TN-8 (HMO-POS) — UnitedHealthcare
• UHC Dual Complete TN-Q1 (HMO-POS D-SNP) — UnitedHealthcare
• UHC Dual Complete TN-Y2 (HMO-POS D-SNP) — UnitedHealthcare
• Zing Elite Essentials Diabetes & Heart TN-MS (HMO C-SNP) — Zing Health

Several of these are Special Needs Plans (SNPs) for people with certain chronic conditions or dual Medicare-Medicaid eligibility. You have to meet the eligibility rules to enroll.

Renamed plans (same insurer, new label)

Seven plans in Shelby County were renamed for 2027. If you're in one of these, your coverage isn't disappearing — but the name on your card and paperwork will be different:

• Aetna Medicare Eagle (PPO) — was Aetna Medicare Eagle Giveback (PPO)
• Aetna Medicare Signature (PPO) — was Aetna Medicare Signature Care (PPO)
• Aetna Medicare Signature Extra (PPO) — was Aetna Medicare Enhanced (PPO)
• DEVOTED C-SNP ENHANCED 016 TN (HMO C-SNP) — was DEVOTED C-SNP PREMIUM 016 TN (HMO C-SNP)
• Wellpoint Dual Advantage Plus (HMO D-SNP) — was Wellpoint Full Dual Advantage (HMO D-SNP)
• Humana Dual QMB Only (HMO D-SNP) — was Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP)
• UHC Dual Complete TN-YL (HMO-POS D-SNP) — was UHC Dual Complete TN-Y001 (HMO-POS D-SNP)

A rename can also come with other changes — read the ANOC to see what, if anything, is different.

What to do if your plan is leaving

If your plan is on the "leaving" list above, your insurer is required to send a non-renewal notice. Here is the practical path:

1. Read the letter and the Annual Notice of Change (ANOC). Both arrive by late September. 2. Use the Annual Enrollment Period, Oct. 15 through Dec. 7, to choose a new Medicare Advantage plan for coverage starting Jan. 1, 2027. 3. If you miss AEP, you still have a Special Enrollment Period through the end of February 2027 because your plan is not renewing. You can use it to join a different Medicare Advantage plan or go back to Original Medicare (and add a stand-alone Part D plan). 4. If you return to Original Medicare and want a Medigap policy, ask about your rights — leaving a non-renewed MA plan can open a guaranteed-issue window in some cases.

The Medicare Advantage Open Enrollment Period (Jan. 1–March 31) is a separate window that lets people already in an MA plan switch once. It is not the same as the non-renewal SEP.

A quick word on 2026 Part D

Even if your plan is continuing, drug coverage rules keep evolving. For 2026, the Part D out-of-pocket cap is $2,100, the maximum Part D deductible is $615, and the coverage gap (the old "donut hole") remains eliminated — Part D now has three phases. The Medicare Prescription Payment Plan lets you spread drug costs across the year in level monthly amounts if that helps your budget. IRMAA surcharges for higher-income enrollees start above $109,000 for a single filer in 2026.