Medicare Advantage

Does your Nashville doctor take this 2027 PPO lineup?

Nashville, Tenn. — Fall 2026. If you have a BlueCross BlueShield of Tennessee Medicare Advantage plan in the Nashville area — or you are shopping for one for next year — here is what the carrier is putting on the shelf for 2027, and how to check any of it against your own doctors and prescriptions before the December 7 deadline.

MyMedicarePlans.org is an independent consumer site. We are not BlueCross BlueShield of Tennessee, and we are not Medicare. BlueCross BlueShield of Tennessee is one of 12 carriers offering Medicare Advantage plans in Davidson County next year (69 plans across all carriers combined, per the CMS Medicare Advantage Landscape file for 2027). This piece is just about this one carrier's slate.

What BlueCross BlueShield of Tennessee is offering in Davidson County for 2027

Nashville sits in Davidson County, and Medicare Advantage availability is set at the county level. In Davidson County, BlueCross BlueShield of Tennessee is offering 7 Medicare Advantage plans for 2027. All 7 are PPOs, and all 7 include Part D prescription drug coverage.

Within that 7, two plans are Chronic Condition Special Needs Plans (C-SNPs). C-SNPs are limited to people who have certain qualifying chronic conditions — in this carrier's case, the plan names flag heart conditions and diabetes. There are no Dual Eligible SNPs (D-SNPs) or Institutional SNPs (I-SNPs) in this carrier's Davidson County lineup for 2027.

The seven plans, in alphabetical order:

• BlueAdvantage Diamond (PPO)
• BlueAdvantage Extra (PPO)
• BlueAdvantage Freedom (PPO)
• BlueAdvantage Garnet (PPO)
• BlueAdvantage Ruby (PPO)
• BlueAdvantage Total Heart and Diabetes (PPO C-SNP)
• BlueAdvantage Total Heart and Diabetes Plus (PPO C-SNP)

The table on this page lists every plan with its type and whether it carries drug coverage. We are not quoting any premium, deductible, copay, benefit, provider network or star rating here — those are plan-specific details that belong in the plan's own documents.

What is new or not returning for 2027

Comparing the CMS 2026 and 2027 Landscape files for BlueCross BlueShield of Tennessee in Davidson County:

• Plans not returning in 2027: 0
• New plans for 2027: 0
• Renamed plans: 0

So the roster itself is stable in this county. That does not mean nothing changed inside each plan. Carriers routinely adjust premiums, drug formularies, provider networks, copays and extra benefits from one year to the next. Those updates arrive in the Annual Notice of Change (ANOC) each member should have received in late September. If you are a current member, that ANOC is the single most important piece of mail you got this fall — it compares your 2026 plan to your 2027 plan, line by line.

PPOs and C-SNPs: what the plan types mean

All seven BlueCross BlueShield of Tennessee plans in Davidson County for 2027 are PPOs. A PPO (Preferred Provider Organization) lets you see any doctor who accepts the plan, with in-network care typically costing less than out-of-network care. You generally do not need a referral to see a specialist.

Two of the seven are PPO C-SNPs. A Chronic Condition SNP is only open to people with the qualifying conditions listed in the plan — in this case, specific heart and diabetes conditions. You usually need a form signed by your doctor confirming the diagnosis. If you do not have a qualifying condition, you are not eligible to enroll, no matter how the plan looks on paper.

All seven plans include Part D prescription drug coverage, so you would not need a separate stand-alone drug plan.

How to check a plan against your doctors and prescriptions before December 7

This is the part worth slowing down for. A plan name tells you almost nothing about whether it works for your life. Three steps:

1. List your doctors and your medications. Include dose and how often, and note any pharmacy you prefer. 2. Run them through the Medicare Plan Finder at medicare.gov. Enter your ZIP code, add your drugs, and the tool will show each plan's estimated yearly drug cost, whether your pharmacy is a preferred one, and the plan's premium and star rating. You can also call 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, seven days a week. 3. Confirm the provider network directly with the plan. Networks can change mid-year. Call the plan or check its online directory to make sure each doctor and hospital you use is in network for 2027. For a C-SNP, confirm you meet the eligibility rules.

If you are a current BlueCross BlueShield of Tennessee member, read the ANOC first, then run your drugs through Plan Finder to compare your renewing plan against the other options in Davidson County — including the 11 other carriers offering Medicare Advantage here.

Key dates and figures for 2027

• Annual Enrollment Period: October 15 – December 7, 2026. Changes take effect January 1, 2027.
• Medicare Advantage Open Enrollment Period: January 1 – March 31, 2027. If you are already in a Medicare Advantage plan on January 1, you get one chance to switch to another Advantage plan or return to Original Medicare.
• Part D out-of-pocket cap: $2,400 in 2027 (up from $2,100 in 2026).
• Part D maximum deductible: $700 in 2027 (up from $615 in 2026).
• Part B premium and deductible for 2027, and the 2027 IRMAA income brackets: CMS announces these later in the fall, typically in November. We will update once they are posted.

Doing nothing is also a choice. If your plan is offered again next year, it renews automatically with the ANOC changes in place.