Medicare Advantage

UnitedHealthcare Medicare Advantage in Tennessee for 2027: 22 Plans, County by County

NASHVILLE — UnitedHealthcare will offer 22 Medicare Advantage plans across Tennessee for the 2027 plan year, according to the CMS Medicare Advantage Landscape Source File. The lineup includes 20 HMO-POS plans and 2 PPO plans, with 21 of the 22 including Part D prescription drug coverage. UnitedHealthcare is one of 12 carriers offering Medicare Advantage in the state next year, out of 155 plans statewide. This article is published by an independent Medicare education site; it is not UnitedHealthcare, not an insurance company, and not the government.

How many UnitedHealthcare Medicare Advantage plans are offered in Tennessee for 2027?

UnitedHealthcare has 22 Medicare Advantage plans in Tennessee for 2027: 20 HMO-POS plans and 2 PPO plans. Of those, 21 come with Part D drug coverage built in and 1 is offered without drug coverage. The lineup includes 7 Dual Special Needs Plans (D-SNPs) for people enrolled in both Medicare and Medicaid, and 4 Chronic Condition Special Needs Plans (C-SNPs) for people with qualifying conditions. There are no Institutional SNPs on the UnitedHealthcare Tennessee list for 2027. Statewide, 12 carriers offer a combined 155 Medicare Advantage plans next year, so UnitedHealthcare is one option among several, and every plan is sold on a county-by-county basis.

Which UnitedHealthcare plans reach the most Tennessee counties in 2027?

Two UnitedHealthcare plans reach the widest geography in Tennessee for 2027, each offered in 95 counties: the AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) and the AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS). Also on the UnitedHealthcare list is the UHC Dual Complete TN-YL (HMO-POS D-SNP), a Dual Special Needs Plan offered in 95 counties and renamed from the 2026 UHC Dual Complete TN-Y001. From there, reach narrows: several AARP-branded HMO-POS plans and the UHC Medicare Advantage TC-0001 (PPO) are offered in 44 counties, others in 30, 21, or 51 counties. The full plan-by-plan county counts appear in the table on this page; wide statewide availability does not guarantee a plan is sold in any one county.

What UnitedHealthcare plans are new or leaving Tennessee for 2027?

Eight UnitedHealthcare Medicare Advantage plans are new in Tennessee for 2027, and 2 UnitedHealthcare plans from 2026 are not returning. The new entries include the AARP Medicare Advantage Direct Plus from UHC TN-8 (HMO-POS), the AARP Medicare Advantage Extras from UHC TC-7 (HMO-POS), and six UHC Dual Complete D-SNP listings under the TN-Q1 and TN-Y2 contract IDs. Two 2027 plans are renamed versions of 2026 plans: the AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS), previously AARP Medicare Advantage from UHC TC-0002, and the UHC Dual Complete TN-YL D-SNP noted above. If you are currently enrolled in a UnitedHealthcare plan, check your Annual Notice of Change letter to see whether your plan is renaming, continuing, or leaving for 2027.

How do I check whether a UnitedHealthcare plan is offered in my Tennessee county and covers my doctors and prescriptions?

To confirm whether a specific UnitedHealthcare plan is offered in your Tennessee county for 2027 and whether it covers your doctors and medications, use the Medicare Plan Finder at medicare.gov or call 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week. Enter your ZIP code and county, then your prescriptions and preferred pharmacy. Plan Finder will show you only the plans actually sold in your county, so a plan listed statewide — for example one offered in 44 or 51 counties — may not appear for your address. For provider questions, check the plan's own online directory or call the plan directly, and read the Evidence of Coverage for the exact rules on referrals, prior authorization and out-of-network care. Those plan documents, not any article, are the official source.

What should Tennessee Medicare beneficiaries do before December 7, 2026?

Before December 7, 2026, Tennessee Medicare beneficiaries should review their current plan's Annual Notice of Change, compare it against other 2027 options in their county, and make any switch they want during the Annual Enrollment Period that runs October 15 through December 7, 2026. A choice made in that window takes effect January 1, 2027. If you are in one of the 2 UnitedHealthcare plans not returning for 2027, this is the time to pick a replacement. If your plan is renaming or continuing with changes, confirm your doctors are still in network and your prescriptions are still covered. There is no need to re-enroll if you are satisfied with your current plan and it is returning unchanged in your county.

Where can Tennesseans get free help with Medicare questions for 2027?

Tennesseans can get free, unbiased Medicare help from Medicare.gov and from 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, seven days a week in English and Spanish. The Medicare Plan Finder at medicare.gov is the official tool for comparing every Medicare Advantage and Part D plan in your county for 2027, including UnitedHealthcare's and those from the other 11 carriers in Tennessee. For questions about Original Medicare eligibility and enrollment, the Social Security Administration can help at ssa.gov or 1-800-772-1213. Keep plan-specific questions — premiums, copays, networks, drug tiers, prior authorization — with the plan itself or with 1-800-MEDICARE, which can look up current details with you on the line.