Medicare Advantage

Got a Nashville Advantage plan? Read fall mail closely

Davidson County has 60 Medicare Advantage plans for 2027. Compared with 2026, 14 plans are not coming back, 9 are new, and 21 continuing plans changed in some way you should check before December 7, 9 of them under a new name. This guide covers what those numbers mean for Nashville, not which plan to pick.

Medicare AdvantageNashville, TN

NASHVILLE — If you have a Medicare Advantage plan in Davidson County, this fall's mail is worth opening carefully. According to CMS's 2027 Medicare Advantage Landscape file, 14 plans offered here in 2026 will not be back next year, 9 new plans are joining the market, and 9 more are keeping their coverage but changing names. One carrier — Centene (WellCare) — is leaving Davidson County altogether.

That means thousands of Nashville-area members will need to make a choice before coverage rolls over on January 1, 2027.

What's leaving Davidson County in 2027

Fourteen Medicare Advantage plans available to Nashville residents in 2026 will not be offered in 2027. The largest group is from Centene (WellCare), which is exiting the county entirely. Its non-renewed plans include Wellcare Assist (HMO-POS), Wellcare Dual Access (HMO-POS D-SNP), Wellcare Giveback (HMO-POS), Wellcare Patriot Giveback (HMO-POS), and Wellcare Simple (HMO-POS).

Other plans not returning include Aetna Medicare Enhanced (HMO); five Humana plans — Humana Together in Health Select (PPO I-SNP), Humana Value Plus H5216-180 (PPO), Humana Value Plus H7617-088 (PPO), HumanaChoice H5216-449 (PPO), and HumanaChoice H5216-450 (PPO); and two UnitedHealthcare plans, UHC Dual Complete TN-S001 (HMO-POS D-SNP) and UHC Dual Complete TN-Y2 (HMO-POS D-SNP).

If you are enrolled in any of these, your carrier is required to send you a non-renewal notice. Don't ignore it — that letter is your ticket to a Special Enrollment Period.

What's new for 2027

Nine plans are joining the Davidson County market. Six are from Devoted Health: DEVOTED C-SNP CHOICE ENHANCED 029 TN (PPO C-SNP), DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 034 TN (PPO C-SNP), DEVOTED C-SNP CHOICE PLUS 031 TN (PPO C-SNP), DEVOTED CHOICE 026 TN (PPO), DEVOTED CHOICE GIVEBACK 020 TN (PPO), and DEVOTED CHOICE GIVEBACK EXTRAS 042 TN (PPO).

Humana is adding Humana Together in Health (PPO I-SNP), and UnitedHealthcare is adding UHC Dual Complete TN-Q1 (HMO-POS D-SNP) and UHC Dual Complete TN-Y2 (HMO-POS D-SNP).

The full plan-by-plan table appears with this article.

Renamed — same plan, new label

Nine plans are staying in the market but changing names. If a plan below sounds unfamiliar, check whether it's simply the new name for the plan you already have:

• Aetna Medicare Eagle (PPO) — was Aetna Medicare Eagle Giveback (PPO)
• Aetna Medicare Signature Extra (PPO) — was Aetna Medicare Enhanced (PPO)
• HealthSpring Preferred Extra Savings (HMO) — was HealthSpring Preferred Full Savings (HMO)
• DEVOTED C-SNP CHOICE ENHANCED 018 TN (PPO C-SNP) — was DEVOTED C-SNP CHOICE PREMIUM 018 TN (PPO 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)
• Humana Essentials Plus Giveback (HMO) — was Humana Essentials Plus Giveback H4461-039 (HMO)
• Humana Total Complete (HMO) — was Humana Total Complete H4461-043 (HMO)
• UHC Dual Complete TN-YL (HMO-POS D-SNP) — was UHC Dual Complete TN-Y001 (HMO-POS D-SNP)

A renamed plan is still a plan that continues, so members are auto-renewed unless they choose something else.

Plans that are 'changing' — read your ANOC

CMS's file flags 21 plans in Davidson County as changing in some way for 2027. What actually shifted plan by plan is spelled out in the Annual Notice of Change (ANOC) your insurer mails each September. If you keep your plan without acting, those changes take effect on January 1 whether you noticed them or not.

Fifty-one plans in the county are continuing without any of those flagged changes.

What Nashville members should do

If your plan is not renewed (for example, if you are with Centene/WellCare or one of the other 14 leaving plans): you have a Special Enrollment Period that runs through the end of February 2027. During that window you can pick another Medicare Advantage plan, or drop Advantage and go back to Original Medicare with a stand-alone Part D plan. If you don't act, you'll be moved to Original Medicare without drug coverage.

If your plan is renamed or changing: read the ANOC when it arrives. If everything still fits, you don't have to do anything — you'll roll over on January 1.

If you want to switch for any reason: the Annual Enrollment Period runs October 15 through December 7, 2026. There's also the Medicare Advantage Open Enrollment Period, January 1 through March 31, when Advantage members can make one change.

A few program facts worth keeping in mind

These aren't Nashville-specific, but they shape any choice you make:

• The Part D out-of-pocket cap is $2,100 in 2026.
• The Part D maximum deductible is $615.
• The old coverage gap ("donut hole") is gone as of 2025 — Part D now has three phases.
• The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments.
• IRMAA surcharges on Part B and Part D begin above $109,000 in income for a single filer in 2026.