Medicare Advantage
BlueCross BlueShield of Tennessee's 2027 Medicare Advantage plans in Memphis, plan by plan
MEMPHIS — As the Medicare Annual Enrollment Period runs its course this fall, BlueCross BlueShield of Tennessee is bringing eight Medicare Advantage plans to Shelby County for 2027, including one plan that is new for next year. If you already have a plan with the carrier, your Annual Notice of Change (ANOC) spells out what will be different on January 1, 2027 — and you have until December 7, 2026 to make a change.
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Key takeaways
- BlueCross BlueShield of Tennessee is offering 8 Medicare Advantage plans in Shelby County for 2027 — all PPOs, all with drug coverage, including 2 Chronic Condition Special Needs Plans (C-SNPs).
- One plan is new for 2027 and no BlueCross BlueShield of Tennessee plans are being discontinued in the county; the rest return with changes described in each plan's ANOC.
- The Annual Enrollment Period ends December 7, 2026, and any change you make takes effect January 1, 2027; if you do nothing, your current plan renews as described in its ANOC.
- Use medicare.gov's Plan Finder or call 1-800-MEDICARE to check a specific plan against your doctors, hospitals and prescriptions before you decide.
This article is a plan-by-plan look at what BlueCross BlueShield of Tennessee is offering Memphis-area residents next year. MyMedicarePlans.org is an independent consumer site; we are not BlueCross BlueShield of Tennessee, and other carriers also sell Medicare Advantage in the county (more on that below).
What BlueCross BlueShield of Tennessee is offering in Shelby County for 2027
Memphis is in Shelby County, where Medicare Advantage availability is set at the county level. For the 2027 plan year, BlueCross BlueShield of Tennessee has 8 Medicare Advantage plans on offer in the county. All 8 are PPO plans, and all 8 include Part D prescription drug coverage. Two of the eight are Chronic Condition Special Needs Plans (C-SNPs), designed for people living with specific conditions.
The full list from the carrier for 2027, in alphabetical order:
- BlueAdvantage Diamond (PPO) — PPO with drug coverage
- BlueAdvantage Emerald (PPO) — PPO with drug coverage; new for 2027
- BlueAdvantage Extra (PPO) — PPO with drug coverage
- BlueAdvantage Freedom (PPO) — PPO with drug coverage
- BlueAdvantage Garnet (PPO) — PPO with drug coverage
- BlueAdvantage Ruby (PPO) — PPO with drug coverage
- BlueAdvantage Total Heart and Diabetes (PPO C-SNP) — PPO C-SNP with drug coverage
- BlueAdvantage Total Heart and Diabetes Plus (PPO C-SNP) — PPO C-SNP with drug coverage
The table below lists every plan. We cannot share premiums, copays, deductibles, networks, drug lists or star ratings in this article — those vary by plan and by person, and the right place to check them is the Plan Finder at medicare.gov.
What's new, what's not returning
For 2027, BlueCross BlueShield of Tennessee is adding one Medicare Advantage plan in Shelby County, BlueAdvantage Emerald (PPO), and is not retiring any of its plans in the county. Returning plans will have changes year to year; each plan's ANOC, which members receive by late September, lays out exactly what is different for 2027.
If you are a current member and you read your ANOC and are comfortable with what it says, you do not have to do anything — your plan renews automatically on January 1, 2027.
About the plan types
All eight of BlueCross BlueShield of Tennessee's 2027 plans are PPOs (Preferred Provider Organizations). PPOs generally let you see providers inside or outside the plan's network, usually at a different cost share for out-of-network care. The specifics depend on the plan.
Two of the eight — BlueAdvantage Total Heart and Diabetes (PPO C-SNP) and BlueAdvantage Total Heart and Diabetes Plus (PPO C-SNP) — are Chronic Condition Special Needs Plans. C-SNPs are limited to people who have the qualifying condition(s) the plan is designed around. Medicare and the plan verify eligibility before enrollment.
Other carriers in Shelby County
BlueCross BlueShield of Tennessee is one of 11 carriers offering Medicare Advantage plans in Shelby County for 2027. Across all carriers, there are 74 Medicare Advantage plans available in the county next year. We are focused on BlueCross BlueShield of Tennessee here because that is this article's subject, not because it is a recommendation; we do not rank plans or carriers.
How to check a plan against your doctors and prescriptions
Before December 7, 2026, it is worth putting any plan you are considering through three quick checks:
1. Doctors and hospitals. Confirm that each provider you see is in the plan's network for 2027. Networks can change year to year. Call the provider's office and ask about the specific plan name, or check the plan's online directory. 2. Prescriptions. On medicare.gov's Plan Finder, enter the drugs you take, the pharmacy you use, and your ZIP code. The tool shows how each plan would cover each drug. 3. Your situation. If a plan is a Special Needs Plan, confirm you meet the eligibility rules before you apply.
A few 2027 program-wide figures to keep in mind as you compare drug coverage: the Part D out-of-pocket cap rises to $2,400 in 2027 (up from $2,100 in 2026), and the maximum Part D deductible a plan can charge is $700 in 2027 (up from $615 in 2026). CMS has not yet announced the 2027 Part B standard premium and deductible or the 2027 IRMAA brackets; those are typically published later in the fall.
Key dates this fall
- October 15 – December 7, 2026: Medicare Annual Enrollment Period. Changes take effect January 1, 2027.
- January 1, 2027: new coverage starts.
- January 1 – March 31, 2027: Medicare Advantage Open Enrollment Period, when people already in a Medicare Advantage plan can make one change.
If you do nothing during AEP, your current plan renews as described in your ANOC.
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.
By the numbers
How people get Medicare in Shelby County
(MA penetration in Shelby County)
MA penetration from CMS enrollment data; Medigap share is an estimate. U.S. average is about 54% Medicare Advantage. These are area-level figures, not plan-specific.
2027 plan lineup
BlueCross BlueShield of Tennessee Medicare Advantage plans in Shelby County for 2027
CMS lists 8 BlueCross BlueShield of Tennessee Medicare Advantage plans in Shelby County for 2027, alphabetically by carrier. 10 other carriers also offer plans there.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| BlueCross BlueShield of Tennessee 8 plans | |||
| BlueAdvantage Diamond (PPO) | PPO | Yes | Returning |
| BlueAdvantage Emerald (PPO) | PPO | Yes | New |
| BlueAdvantage Extra (PPO) | PPO | Yes | Returning |
| BlueAdvantage Freedom (PPO) | PPO | Yes | Returning |
| BlueAdvantage Garnet (PPO) | PPO | Yes | Returning |
| BlueAdvantage Ruby (PPO) | PPO | Yes | Returning |
| BlueAdvantage Total Heart and Diabetes (PPO C-SNP) | PPO C-SNP | Yes | Returning |
| BlueAdvantage Total Heart and Diabetes Plus (PPO C-SNP) | PPO C-SNP | Yes | Returning |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plan availability is set at the county level. 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 BlueCross BlueShield of Tennessee Medicare Advantage plans in Shelby County 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. Plan availability is set at the county level. 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.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment PeriodAnyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
Explore
When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Explore
The parts of Medicare
Good to know
Frequently asked questions
How many Medicare Advantage plans does BlueCross BlueShield of Tennessee offer in Memphis for 2027?
Is any BlueCross BlueShield of Tennessee plan not returning in Shelby County for 2027?
What happens if I don't do anything by December 7?
How do I check whether my doctor or my prescriptions are covered?
- 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.
Also for Memphis
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This page was last updated: October 2026.