Medicare Advantage
Got a Memphis Advantage non-renewal letter? Read this
For 2027, Memphis is looking at 74 Medicare Advantage plans: 12 new, 11 gone since 2026, and 30 still here but changed on premium, deductible, plan type or name, 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.
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Key takeaways
- Eleven Medicare Advantage plans sold in Shelby County in 2026 do not appear in CMS's 2027 file for the county; the full list is below.
- Members of a non-renewing plan get a written notice from the carrier and a Special Enrollment Period that runs through the end of February 2027.
- If you do nothing, you are not left without coverage: on January 1, 2027 you fall back to Original Medicare (Parts A and B), but you would not have Part D drug coverage.
- The Annual Enrollment Period runs October 15 – December 7, 2026, and changes made then take effect January 1, 2027.
MEMPHIS — Fall 2026. If you are on a Medicare Advantage plan in Memphis, check your mail this month. Eleven Medicare Advantage plans offered in Shelby County in 2026 are not on the 2027 Medicare Advantage Landscape file for the county, according to CMS. If one of them is yours, the carrier is required to send you a non-renewal letter — and you have a few options and a bit more time than most people realize.
The 11 plans not coming back to Shelby County in 2027
These Medicare Advantage plans are offered in Shelby County in 2026 but are not in CMS's 2027 Landscape file for the county. Listed alphabetically by carrier, exactly as CMS lists them:
- 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
For context: Memphis is in Shelby County, where 73 Medicare Advantage plans from 12 carriers were offered in 2026. For 2027, 74 plans from 11 carriers will be offered in the county. The table on this page lists every 2027 plan, with carrier and plan type.
How you'll know your plan is one of them
Carriers are required to mail a non-renewal notice to every affected member, typically arriving in late September or early October. The letter will say, in plain language, that your plan will not be offered in 2027 and that your coverage under that plan ends December 31, 2026.
Look for:
- An envelope from your current Medicare Advantage carrier.
- Wording like "plan non-renewal," "plan is being discontinued," or "your plan will not be offered in 2027."
- A date — December 31, 2026 — as the last day of coverage under that plan.
If you also received an Annual Notice of Change (ANOC) booklet instead, that means your plan is continuing but changing; read it for what's different in 2027. The non-renewal letter is a separate, shorter notice.
What happens if you do nothing
If your plan is on the list above and you do not pick a new plan by December 31, 2026, you will not be left without Medicare. On January 1, 2027, you automatically go back to Original Medicare — Part A (hospital) and Part B (medical).
The important catch: Original Medicare does not include Part D prescription drug coverage. If you want drug coverage in 2027, you need to actively enroll in either a standalone Part D plan or a new Medicare Advantage plan that includes drugs. Otherwise, you could face a late enrollment penalty later and have no help with prescription costs starting January 1.
Your choices and your Special Enrollment Period
Because your plan is non-renewing, Medicare gives you a Special Enrollment Period (SEP) that runs from December 8, 2026 through the end of February 2027. That is on top of the regular Annual Enrollment Period (October 15 – December 7, 2026). You can:
1. Pick a new Medicare Advantage plan for 2027. Shelby County has 74 Medicare Advantage plans listed for 2027. Use the Medicare Plan Finder at medicare.gov to compare based on your doctors, prescriptions and pharmacy. 2. Stay with Original Medicare and add a standalone Part D drug plan. You can enroll in a Part D plan during the same SEP. 3. Consider a Medigap (Medicare Supplement) policy. When your Medicare Advantage plan non-renews and you return to Original Medicare, federal law gives you a guaranteed-issue right to buy certain Medigap policies without medical underwriting — meaning the insurer cannot turn you down or charge more for health reasons. Tennessee may have additional rules; the Tennessee Department of Commerce and Insurance can answer state-specific questions.
A few 2027 program figures that apply no matter which path you choose: the Part D out-of-pocket cap is $2,400 in 2027 (up from $2,100 in 2026), and the Part D maximum deductible is $700 in 2027 (up from $615 in 2026). CMS will publish the 2027 Part B premium and deductible, and the 2027 IRMAA income brackets, later this fall.
A simple timeline to work from
- Now through December 7, 2026: Annual Enrollment Period. Compare 2027 plans and enroll.
- December 31, 2026: Last day of coverage under a non-renewing plan.
- January 1, 2027: New plan starts, or you default to Original Medicare without drug coverage.
- Through end of February 2027: Special Enrollment Period for members of non-renewed plans.
- January 1 – March 31, 2027: Medicare Advantage Open Enrollment, when anyone already in a Medicare Advantage plan can make one change.
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.
Not returning for 2027
Medicare Advantage plans in Shelby County not returning for 2027
These 11 plans are offered in Shelby County for 2026 and are not in CMS’s 2027 file for the county. A member of one of them gets a non-renewal letter from the plan and has a Special Enrollment Period to choose new coverage.
| Plan | Type | Drug coverage | For 2027 |
|---|---|---|---|
| Aetna (CVS Health) 1 plan | |||
| Aetna Medicare Enhanced (HMO) | HMO | Yes | Returning |
| Centene (WellCare) 6 plans | |||
| Wellcare Assist (HMO-POS) | HMO-POS | Yes | Returning |
| Wellcare Assist (HMO-POS) | HMO-POS | Yes | Returning |
| Wellcare Dual Access (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| Wellcare Giveback (HMO-POS) | HMO-POS | Yes | Returning |
| Wellcare Patriot Giveback (HMO-POS) | HMO-POS | Yes | Returning |
| Wellcare Simple (HMO-POS) | HMO-POS | Yes | Returning |
| Devoted Health 1 plan | |||
| DEVOTED CHOICE 011 TN (PPO) | PPO | Yes | Returning |
| Humana 1 plan | |||
| Humana Together in Health Select (PPO I-SNP) | PPO I-SNP | Yes | Returning |
| UnitedHealthcare 2 plans | |||
| UHC Dual Complete TN-S001 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | Returning |
| UHC Dual Complete TN-Y2 (HMO-POS D-SNP) | HMO-POS D-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
HMO, PPO and Special Needs Plans in Shelby County for 2027
- Abilis Health (HMO SNP) 2 plans: HMO
- Aetna (CVS Health) 4 plans: HMO, PPO
- American Health Advantage of Tennessee 1 plan: HMO
- BlueCare Plus Tennessee 3 plans: HMO
- BlueCross BlueShield of Tennessee 8 plans: PPO
- Devoted Health 11 plans: HMO, PPO
- Elevance Health (Anthem) 6 plans: HMO, HMO-POS
- HealthSpring 7 plans: HMO, HMO-POS, PPO
- Humana 13 plans: HMO, PPO
- UnitedHealthcare 11 plans: HMO-POS, PPO
- Zing Health 8 plans: HMO, PPO
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
What if I never got a non-renewal letter but think my plan is ending?
If my plan ends, can I get a Medigap policy without being asked health questions?
I'm in a Dual Special Needs Plan that's on the list. Will I lose my Medicaid?
Does the Medicare Advantage Open Enrollment Period in January give me another chance?
- 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.