Medicare Advantage

Nashville's new Medicare Advantage plans for 2027: a brand-new plan vs. one you already know

Davidson County has 69 Medicare Advantage plans for 2027. Compared with 2026, 14 plans are not coming back, 9 are new, and 30 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.

NASHVILLE — This fall, people on Medicare in Davidson County will see nine Medicare Advantage plans on the shelf for 2027 that were not sold here in 2026. Three carriers are behind them: Devoted Health, Humana and UnitedHealthcare. The rest of the local lineup is made up of plans that are renewing (sometimes with changes) or that are being renamed.

A brand-new plan is a little different from a renewing one. It has no claims history in the market, no past Star Rating, and no neighbors who have been on it for a year. That does not make a new plan good or bad — it just means the way you check it before December 7, 2026 is a bit different.

What "new for 2027" means in Davidson County

Medicare Advantage plans are approved county by county. Nashville sits inside Davidson County, so the plan list below is the Davidson County list from the CMS Medicare Advantage Landscape Source Files.

For 2027, nine plans in the county are new — meaning they were not offered here in 2026. Alongside those, nine plans are being renamed and 14 plans from 2026 are not returning. Everything else is a renewal.

The table on this page shows every 2027 plan available in the county. Below, we focus only on the nine that are new.

The nine new plans, carrier by carrier

Listed alphabetically by carrier, with plan type and whether it includes drug coverage:

Devoted Health (6 new plans)

• DEVOTED C-SNP CHOICE ENHANCED 029 TN — PPO C-SNP, with drug coverage
• DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 034 TN — PPO C-SNP, with drug coverage
• DEVOTED C-SNP CHOICE PLUS 031 TN — PPO C-SNP, with drug coverage
• DEVOTED CHOICE 026 TN — PPO, with drug coverage
• DEVOTED CHOICE GIVEBACK 020 TN — PPO, with drug coverage
• DEVOTED CHOICE GIVEBACK EXTRAS 042 TN — PPO, with drug coverage

Humana (1 new plan)

• Humana Together in Health — PPO I-SNP, with drug coverage

UnitedHealthcare (2 new plans)

• UHC Dual Complete TN-Q1 — HMO-POS D-SNP, with drug coverage
• UHC Dual Complete TN-Y2 — HMO-POS D-SNP, with drug coverage

All nine new plans include Part D prescription drug coverage.

How many are Special Needs Plans — and who they are for

Six of the nine new plans are Special Needs Plans (SNPs). SNPs are Medicare Advantage plans designed for a specific group of people. The letter after "SNP" tells you which group:

• C-SNP (Chronic condition) — for people living with certain long-term conditions, such as diabetes or heart conditions. Among the new plans, Devoted Health's three "C-SNP CHOICE" plans fall here.
• D-SNP (Dual eligible) — for people who have both Medicare and Medicaid. UHC Dual Complete TN-Q1 and UHC Dual Complete TN-Y2 fall here.
• I-SNP (Institutional) — for people who live in, or need the level of care provided in, a long-term care facility. Humana Together in Health falls here.

If you do not meet the SNP's eligibility rules, you cannot enroll in that plan. That leaves three of the nine new plans — Devoted Health's DEVOTED CHOICE 026 TN, DEVOTED CHOICE GIVEBACK 020 TN and DEVOTED CHOICE GIVEBACK EXTRAS 042 TN — open to any Medicare beneficiary in the service area who qualifies for Medicare Advantage generally.

How a new plan is different from a renewing one

A renewing plan has a track record. It has a Star Rating from CMS (based on past member experience, clinical quality and customer service), existing member reviews, and a provider network that has been in place.

A brand-new plan does not have those things yet. Specifically:

• No Star Rating of its own. CMS Star Ratings are based on data from prior years. A new contract or plan will not have a rating in its first year. This is a program fact — it is not a knock on the plan.
• No prior ANOC to compare to. Returning members of existing plans receive an Annual Notice of Change each September showing what is changing for next year. A new plan has nothing to compare to; you are starting from its first Summary of Benefits and Evidence of Coverage.
• A first-year network and formulary. The doctors in-network and the drugs on the formulary are whatever the plan files with CMS for 2027. That can shift from a sister plan at the same carrier, so do not assume it mirrors a plan you already know.

The practical takeaway: for a new plan, you have to check the details yourself rather than lean on past experience.

How to vet any plan — new or renewing — before December 7

The Annual Enrollment Period runs October 15 through December 7, 2026. A choice made in that window takes effect January 1, 2027. If you do nothing, your current plan renews for 2027 as long as it is still offered.

Here is a simple way to check a plan against your own situation:

1. Make two lists. Write down every doctor, specialist and hospital you want to keep seeing. Then list every prescription — name, dose and how often you take it. 2. Use the Medicare Plan Finder. Go to medicare.gov/plan-compare, enter your ZIP code and your drug list. The tool will show you plans available in Davidson County and estimate your yearly drug costs on each. 3. Check the provider directory. Click into any plan you are considering and look up each of your doctors in the plan's directory, or call the doctor's office and ask whether they will be in-network for that plan in 2027. 4. Check the formulary. Confirm each prescription is covered, what tier it is on, and whether it needs prior authorization or step therapy. 5. Call if you want to double-check. 1-800-MEDICARE (1-800-633-4227) is available 24/7. You can also call the plan directly using the number on its Summary of Benefits.

For 2027, a few program-level numbers are already set and worth keeping in mind as you compare drug coverage: the Part D out-of-pocket cap is $2,400 in 2027 (up from $2,100 in 2026), and the maximum Part D deductible is $700 in 2027 (up from $615 in 2026). The 2027 Part B standard premium and the 2027 IRMAA brackets have not been announced yet; CMS typically publishes them later in the fall.