Ranked by math. Plans ranked on yearly cost from official federal and state data · ads and any paid links never change the order · not a broker; we don’t enroll you · how we’re funded →
2027 plans · CMS data · Ranked by math
Best Medicare Advantage Plans in Tennessee for 2027
Every general-audience Medicare Advantage plan with drug coverage in Tennessee, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
96plans with drug coverage
66with a $0 plan premium
$2,980lowest worst-case year
38rated 4+ stars by CMS
Tennessee plans, ranked
Showing all 96 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana Gold Plus H4461-081 (HMO)Humana · HMO26 of 95 counties · drug deductible $250Dental up to $5,000/yr · eyewear $350/yr | $90 | $1,900 | $2,980 | 4.5★ |
| 2 | Humana Gold Plus H4461-083 (HMO)Humana · HMO26 of 95 counties · drug deductible $395Dental up to $4,000/yr · eyewear $250/yr | $22 | $3,200 | $3,464 | 4.5★ |
| 3 | Humana Gold Plus H4461-080 (HMO)Humana · HMO26 of 95 counties · drug deductible $700Dental up to $3,000/yr · eyewear $300/yr | $0 | $3,800 | $3,800 | 4.5★ |
| 4 | Humana Gold Plus H4461-083 (HMO)Humana · HMO10 of 95 counties · drug deductible $395Dental up to $3,000/yr · eyewear $100/yr | $27 | $3,500 | $3,824 | 4.5★ |
| 5 | DEVOTED CORE 010 TN (HMO)Devoted Health · HMO6 of 95 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $3,900 | $3,900 | 3.5★ |
| 6 | Humana Gold Plus H4461-081 (HMO)Humana · HMO10 of 95 counties · drug deductible $250Dental up to $4,000/yr · eyewear $350/yr | $88 | $2,900 | $3,956 | 4.5★ |
| 7 | AARP Medicare Advantage from UHC TC-0003 (HMO-POS)UnitedHealthcare · HMO-POS44 of 95 counties · drug deductible $495Dental up to $3,500/yr · eyewear $125/yr · hearing aids $1,000/yr | $55 | $3,500 | $4,160 | 4★ |
| 8 | BlueAdvantage Emerald (PPO)BlueCross BlueShield of Tennessee · PPO8 of 95 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr · OTC items $300/yr | $26 | $3,850 | $4,162 | 3.5★ |
| 9 | AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS)UnitedHealthcare · HMO-POS44 of 95 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,200 | $4,200 | 4★ |
| 10 | Humana Gold Plus H4461-080 (HMO)Humana · HMO10 of 95 counties · drug deductible $700Dental up to $2,000/yr · eyewear $300/yr | $0 | $4,200 | $4,200 | 4.5★ |
| 11 | DEVOTED CORE 001 TN (HMO)Devoted Health · HMO17 of 95 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $4,300 | $4,300 | 3.5★ |
| 12 | DEVOTED CORE 009 TN (HMO)Devoted Health · HMO9 of 95 counties · drug deductible $650Dental up to $3,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $4,500 | $4,500 | 3.5★ |
| 13 | AARP Medicare Advantage from UHC TN-0004 (HMO-POS)UnitedHealthcare · HMO-POS21 of 95 counties · drug deductible $495Dental up to $5,000/yr · eyewear $150/yr · hearing aids $700/yr | $22 | $4,450 | $4,714 | 4★ |
| 14 | HealthSpring Preferred (HMO)HealthSpring · HMO18 of 95 counties · drug deductible $500Dental up to $1,900/yr · eyewear $100/yr · OTC items $160/yr | $0 | $4,850 | $4,850 | 3.5★ |
| 15 | AARP Medicare Advantage Extras from UHC TC-7 (HMO-POS)UnitedHealthcare · HMO-POS44 of 95 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $4,900 | $4,900 | 4★ |
| 16 | DEVOTED CORE 004 TN (HMO)Devoted Health · HMO6 of 95 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $4,900 | $4,900 | 3.5★ |
| 17 | BlueAdvantage Ruby (PPO)BlueCross BlueShield of Tennessee · PPO8 of 95 counties · drug deductible $700Dental up to $2,250/yr · eyewear $150/yr · OTC items $180/yr | $47 | $4,450 | $5,014 | 3.5★ |
| 18 | HealthSpring Preferred (HMO)HealthSpring · HMO4 of 95 counties · drug deductible $500Dental up to $2,100/yr · eyewear $100/yr · OTC items $120/yr | $0 | $5,100 | $5,100 | 3.5★ |
| 19 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO12 of 95 counties · drug deductible $400Dental up to $2,250/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $100/yr | $0 | $5,200 | $5,200 | 3.5★ |
| 20 | BlueAdvantage Sapphire (PPO)BlueCross BlueShield of Tennessee · PPO8 of 95 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr | $0 | $5,300 | $5,300 | 3.5★ |
| 21 | HealthSpring Primary (HMO)HealthSpring · HMO16 of 95 counties · drug deductible $700Dental up to $2,000/yr · eyewear $225/yr · OTC items $460/yr | $13.70 | $5,200 | $5,364 | 3.5★ |
| 22 | Humana Total Complete (HMO)Humana · HMO10 of 95 counties · drug deductible $700Dental up to $3,000/yr · eyewear $350/yr | $0 | $5,390 | $5,390 | 4.5★ |
| 23 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO12 of 95 counties · drug deductible $400Dental up to $3,500/yr · eyewear $225/yr · hearing aids $2,500/yr per ear · OTC items $180/yr | $23 | $5,200 | $5,476 | 3.5★ |
| 24 | DEVOTED CHOICE 023 TN (PPO)Devoted Health · PPO6 of 95 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $400/yr | $0 | $5,550 | $5,550 | 4.5★ |
| 25 | HealthSpring Preferred (HMO)HealthSpring · HMO31 of 95 counties · drug deductible $500Dental up to $1,700/yr · eyewear $200/yr · OTC items $120/yr | $0 | $5,550 | $5,550 | 3.5★ |
| 26 | HealthSpring Primary (HMO)HealthSpring · HMO25 of 95 counties · drug deductible $700Dental up to $1,500/yr · eyewear $175/yr · OTC items $360/yr | $13.70 | $5,400 | $5,564 | 3.5★ |
| 27 | Humana Value Plus H5216-180 (PPO)Humana · PPO81 of 95 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $13.70 | $5,400 | $5,564 | 4★ |
| 28 | Humana Value Plus H7617-088 (PPO)Humana · PPO79 of 95 counties · drug deductible $700Dental up to $2,000/yr · eyewear $150/yr | $13.70 | $5,400 | $5,564 | 4.5★ |
| 29 | BlueAdvantage Ruby (PPO)BlueCross BlueShield of Tennessee · PPO21 of 95 counties · drug deductible $700Dental up to $1,750/yr · eyewear $150/yr · OTC items $180/yr | $95 | $4,450 | $5,590 | 3.5★ |
| 30 | BlueAdvantage Ruby (PPO)BlueCross BlueShield of Tennessee · PPO41 of 95 counties · drug deductible $700Dental up to $2,750/yr · eyewear $150/yr · OTC items $180/yr | $98 | $4,450 | $5,626 | 3.5★ |
| 31 | BlueAdvantage Diamond (PPO)BlueCross BlueShield of Tennessee · PPO8 of 95 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $99 | $4,450 | $5,638 | 3.5★ |
| 32 | DEVOTED CHOICE 024 TN (PPO)Devoted Health · PPO9 of 95 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $332/yr | $0 | $5,650 | $5,650 | 4.5★ |
| 33 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO4 of 95 counties · drug deductible $700Part B giveback $105/mo · Dental up to $600/yr · eyewear $100/yr | $0−$105 Part B giveback | $6,950 | $5,690 | 3.5★ |
| 34 | DEVOTED CHOICE 022 TN (PPO)Devoted Health · PPO26 of 95 counties · drug deductible $650Dental up to $2,750/yr · eyewear $350/yr · OTC items $400/yr | $0 | $5,700 | $5,700 | 4.5★ |
| 35 | DEVOTED CHOICE 026 TN (PPO)Devoted Health · PPO31 of 95 counties · drug deductible $650Dental up to $2,250/yr · eyewear $400/yr · OTC items $400/yr | $0 | $5,700 | $5,700 | 4.5★ |
| 36 | DEVOTED GIVEBACK 002 TN (HMO)Devoted Health · HMO17 of 95 counties · drug deductible $461Part B giveback $159/mo · Dental up to $250/yr · eyewear $200/yr | $0−$159 Part B giveback | $7,700 | $5,792 | 3.5★ |
| 37 | BlueAdvantage Ruby (PPO)BlueCross BlueShield of Tennessee · PPO25 of 95 counties · drug deductible $700Dental up to $1,750/yr · eyewear $150/yr · OTC items $180/yr | $116 | $4,450 | $5,842 | 3.5★ |
| 38 | BlueAdvantage Garnet (PPO)BlueCross BlueShield of Tennessee · PPO20 of 95 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 39 | BlueAdvantage Sapphire (PPO)BlueCross BlueShield of Tennessee · PPO22 of 95 counties · drug deductible $700Dental up to $2,250/yr · eyewear $150/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 40 | Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS3 of 95 counties · drug deductible $0Dental up to $2,250/yr · eyewear $300/yr · hearing aids $3,000/yr · OTC items $80/yr | $0 | $5,900 | $5,900 | 3★ |
| 41 | AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS)UnitedHealthcare · HMO-POSAll 95 counties · drug deductible $685Part B giveback $103/mo · Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0−$103 Part B giveback | $7,150 | $5,914 | 4★ |
| 42 | DEVOTED GIVEBACK 005 TN (HMO)Devoted Health · HMO6 of 95 counties · drug deductible $461Part B giveback $148/mo · Dental up to $250/yr · eyewear $200/yr | $0−$148 Part B giveback | $7,700 | $5,924 | 3.5★ |
| 43 | DEVOTED CHOICE GIVEBACK EXTRAS 041 TN (PPO)Devoted Health · PPO26 of 95 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,250/yr · eyewear $400/yr · OTC items $400/yr | $0−$70 Part B giveback | $6,800 | $5,960 | 4.5★ |
| 44 | HealthSpring Preferred (HMO)HealthSpring · HMO9 of 95 counties · drug deductible $500Dental up to $1,600/yr · eyewear $200/yr · OTC items $200/yr | $0 | $6,000 | $6,000 | 3.5★ |
| 45 | DEVOTED CHOICE GIVEBACK EXTRAS 043 TN (PPO)Devoted Health · PPO6 of 95 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,750/yr · eyewear $400/yr · OTC items $400/yr | $0−$70 Part B giveback | $6,850 | $6,010 | 4.5★ |
| 46 | DEVOTED CHOICE GIVEBACK EXTRAS 044 TN (PPO)Devoted Health · PPO9 of 95 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $360/yr | $0−$70 Part B giveback | $6,900 | $6,060 | 4.5★ |
| 47 | HealthSpring Preferred Savings (HMO)HealthSpring · HMO9 of 95 counties · drug deductible $700Part B giveback $86/mo · Dental up to $650/yr · eyewear $125/yr | $0−$86 Part B giveback | $7,150 | $6,118 | 3.5★ |
| 48 | HealthSpring Preferred (HMO)HealthSpring · HMO14 of 95 counties · drug deductible $500Dental up to $1,700/yr · eyewear $100/yr · OTC items $160/yr | $0 | $6,200 | $6,200 | 3.5★ |
| 49 | HealthSpring Preferred (HMO)HealthSpring · HMO7 of 95 counties · drug deductible $500Dental up to $1,450/yr · eyewear $100/yr · OTC items $120/yr | $0 | $6,200 | $6,200 | 3.5★ |
| 50 | BlueAdvantage Emerald (PPO)BlueCross BlueShield of Tennessee · PPO21 of 95 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr · OTC items $180/yr | $25 | $5,900 | $6,200 | 3.5★ |
| 51 | BlueAdvantage Diamond (PPO)BlueCross BlueShield of Tennessee · PPO41 of 95 counties · drug deductible $700Dental up to $3,500/yr · eyewear $150/yr | $149 | $4,450 | $6,238 | 3.5★ |
| 52 | BlueAdvantage Emerald (PPO)BlueCross BlueShield of Tennessee · PPO16 of 95 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr · OTC items $180/yr | $32 | $5,900 | $6,284 | 3.5★ |
| 53 | BlueAdvantage Diamond (PPO)BlueCross BlueShield of Tennessee · PPO46 of 95 counties · drug deductible $700Dental up to $3,000/yr · eyewear $150/yr | $161 | $4,450 | $6,382 | 3.5★ |
| 54 | AARP Medicare Advantage Direct Plus from UHC TN-8 (HMO-POS)UnitedHealthcare · HMO-POS21 of 95 counties · drug deductible $505Dental up to $5,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $6,400 | $6,400 | 4★ |
| 55 | AARP Medicare Advantage from UHC TN-0003 (HMO-POS)UnitedHealthcare · HMO-POS21 of 95 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,400 | $6,400 | 4★ |
| 56 | DEVOTED CHOICE 015 TN (PPO)Devoted Health · PPO28 of 95 counties · drug deductible $650Dental up to $2,250/yr · eyewear $400/yr · OTC items $400/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 57 | DEVOTED CORE 007 TN (HMO)Devoted Health · HMO28 of 95 counties · drug deductible $650Dental up to $2,500/yr · eyewear $250/yr · OTC items $200/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 58 | Zing Elite Select TN-MS (HMO)Zing Health · HMO1 of 95 counties · drug deductible $350Dental up to $2,000/yr · eyewear $250/yr · hearing aids $250/yr per ear · OTC items $580/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 59 | Zing Select Care TN-MS (HMO)Zing Health · HMO7 of 95 counties · drug deductible $500Dental up to $2,000/yr · eyewear $350/yr · hearing aids $250/yr per ear · OTC items $340/yr | $0 | $6,400 | $6,400 | 3.5★ |
| 60 | BlueAdvantage Sapphire (PPO)BlueCross BlueShield of Tennessee · PPO15 of 95 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr | $0 | $6,500 | $6,500 | 3.5★ |
| 61 | DEVOTED CHOICE GIVEBACK EXTRAS 042 TN (PPO)Devoted Health · PPO31 of 95 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,500/yr · eyewear $400/yr · OTC items $356/yr | $0−$70 Part B giveback | $7,400 | $6,560 | 4.5★ |
| 62 | DEVOTED CHOICE GIVEBACK 019 TN (PPO)Devoted Health · PPO26 of 95 counties · drug deductible $650Part B giveback $152.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $480/yr | $0−$152.70 Part B giveback | $8,400 | $6,568 | 4.5★ |
| 63 | AARP Medicare Advantage from UHC TN-0002 (PPO)UnitedHealthcare · PPO21 of 95 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,700 | $6,700 | 4.5★ |
| 64 | Zing Open Choice TN (PPO)Zing Health · PPO7 of 95 counties · drug deductible $450Dental up to $1,500/yr · eyewear $200/yr · hearing aids $250/yr per ear · OTC items $540/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 65 | HealthSpring Preferred Extra Savings (HMO)HealthSpring · HMO9 of 95 counties · drug deductible $700Part B giveback $185/mo · Dental up to $500/yr · eyewear $100/yr | $0−$185 Part B giveback | $8,950 | $6,730 | 3.5★ |
| 66 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO13 of 95 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 67 | Aetna Medicare Signature (HMO)Aetna Medicare · HMO3 of 95 counties · drug deductible $400Dental up to $1,000/yr · eyewear $100/yr · hearing aids $1,250/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 68 | Aetna Medicare Value Plus (HMO)Aetna Medicare · HMO67 of 95 counties · drug deductible $400Dental up to $1,500/yr · eyewear $100/yr · hearing aids $1,000/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 69 | HealthSpring Premier (HMO-POS)HealthSpring · HMO-POS59 of 95 counties · drug deductible $500Dental up to $2,000/yr · eyewear $100/yr · OTC items $120/yr | $50 | $6,150 | $6,750 | 3.5★ |
| 70 | DEVOTED CHOICE GIVEBACK 021 TN (PPO)Devoted Health · PPO6 of 95 counties · drug deductible $650Part B giveback $152.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $420/yr | $0−$152.70 Part B giveback | $8,700 | $6,868 | 4.5★ |
| 71 | DEVOTED CHOICE GIVEBACK 025 TN (PPO)Devoted Health · PPO9 of 95 counties · drug deductible $650Part B giveback $152.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $464/yr | $0−$152.70 Part B giveback | $8,700 | $6,868 | 4.5★ |
| 72 | Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS11 of 95 counties · drug deductible $55Dental up to $2,000/yr · eyewear $300/yr · hearing aids $3,000/yr · OTC items $120/yr | $0 | $7,000 | $7,000 | 3★ |
| 73 | Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS68 of 95 counties · drug deductible $265Dental up to $1,500/yr · eyewear $200/yr · hearing aids $3,000/yr | $0 | $7,125 | $7,125 | 3★ |
| 74 | BlueAdvantage Garnet (PPO)BlueCross BlueShield of Tennessee · PPO22 of 95 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr | $0 | $7,145 | $7,145 | 3.5★ |
| 75 | Wellpoint Medicare Advantage 2 (HMO-POS)Wellpoint · HMO-POS13 of 95 counties · drug deductible $550Dental up to $2,000/yr · eyewear $200/yr · hearing aids $2,000/yr | $0 | $7,145 | $7,145 | 3★ |
| 76 | Aetna Medicare Enhanced (HMO)Aetna Medicare · HMO13 of 95 counties · drug deductible $400Dental up to $2,000/yr · eyewear $150/yr · hearing aids $1,500/yr per ear · OTC items $180/yr | $33 | $6,750 | $7,146 | 3.5★ |
| 77 | Humana Gold Plus H4461-025 (HMO)Humana · HMO33 of 95 counties · drug deductible $395Dental up to $2,500/yr · eyewear $300/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 78 | UHC Medicare Advantage TC-0001 (PPO)UnitedHealthcare · PPO44 of 95 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 4.5★ |
| 79 | Wellpoint Medicare Advantage (HMO-POS)Wellpoint · HMO-POSAll 95 counties · drug deductible $475Dental up to $2,000/yr · eyewear $200/yr · hearing aids $3,000/yr · OTC items $160/yr | $40 | $6,750 | $7,230 | 3★ |
| 80 | AARP Medicare Advantage from UHC TN-0006 (HMO-POS)UnitedHealthcare · HMO-POS30 of 95 counties · drug deductible $685Dental up to $1,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $78 | $6,300 | $7,236 | 4★ |
| 81 | DEVOTED CHOICE GIVEBACK 005 TN (PPO)Devoted Health · PPO28 of 95 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $420/yr | $0−$174.70 Part B giveback | $9,350 | $7,254 | 3.5★ |
| 82 | BlueAdvantage Extra (PPO)BlueCross BlueShield of Tennessee · PPOAll 95 counties · drug deductible $700Dental up to $2,000/yr · eyewear $125/yr · OTC items $140/yr | $13 | $7,150 | $7,306 | 3.5★ |
| 83 | DEVOTED CHOICE GIVEBACK 002 TN (PPO)Devoted Health · PPO26 of 95 counties · drug deductible $461Part B giveback $154.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $480/yr | $0−$154.70 Part B giveback | $9,300 | $7,444 | 3.5★ |
| 84 | DEVOTED CHOICE GIVEBACK 006 TN (PPO)Devoted Health · PPO6 of 95 counties · drug deductible $461Part B giveback $154.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $420/yr | $0−$154.70 Part B giveback | $9,300 | $7,444 | 3.5★ |
| 85 | DEVOTED CHOICE GIVEBACK 012 TN (PPO)Devoted Health · PPO5 of 95 counties · drug deductible $461Part B giveback $154.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $464/yr | $0−$154.70 Part B giveback | $9,300 | $7,444 | 3.5★ |
| 86 | DEVOTED CHOICE GIVEBACK 020 TN (PPO)Devoted Health · PPO31 of 95 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $420/yr | $0−$190 Part B giveback | $9,850 | $7,570 | 4.5★ |
| 87 | DEVOTED GIVEBACK 008 TN (HMO)Devoted Health · HMO28 of 95 counties · drug deductible $461Part B giveback $123.30/mo · Dental up to $250/yr · eyewear $200/yr | $0−$123.30 Part B giveback | $9,500 | $8,020 | 3.5★ |
| 88 | HumanaChoice R0110-018 (Regional PPO)Humana · Regional PPOAll 95 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $124 | $7,000 | $8,488 | 3.5★ |
| 89 | Humana Essentials Plus Giveback (HMO)Humana · HMO19 of 95 counties · drug deductible $500Part B giveback $97/mo · Dental up to $3,000/yr · eyewear $200/yr | $0−$97 Part B giveback | $9,850 | $8,686 | 4.5★ |
| 90 | Humana Total Complete (HMO)Humana · HMO9 of 95 counties · drug deductible $700Dental up to $2,000/yr · eyewear $350/yr | $0 | $9,150 | $9,150 | 4.5★ |
| 91 | Wellpoint Extra Help (HMO-POS)Wellpoint · HMO-POSAll 95 counties · drug deductible $700Dental up to $3,000/yr · eyewear $250/yr · hearing aids $3,000/yr · OTC items $240/yr | $13.70 | $9,000 | $9,164 | 3★ |
| 92 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO14 of 95 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $9,850 | $9,850 | 4★ |
| 93 | Aetna Medicare Signature (PPO)Aetna Medicare · PPO1 of 95 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $9,850 | $9,850 | 4★ |
| 94 | HealthSpring True Choice (PPO)HealthSpring · PPO78 of 95 counties · drug deductible $700Dental up to $250/yr | $0 | $9,850 | $9,850 | 3★ |
| 95 | HumanaChoice H5216-097 (PPO)Humana · PPO74 of 95 counties · drug deductible $400Dental up to $2,500/yr · eyewear $200/yr | $85 | $9,100 | $10,120 | 4★ |
| 96 | Aetna Medicare Signature Extra (PPO)Aetna Medicare · PPO64 of 95 counties · drug deductible $700Preventive dental · eyewear $100/yr · hearing aids $500/yr per ear | $29 | $9,850 | $10,198 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 9 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana USAA Honor Giveback (HMO)Humana · HMO88 of 95 countiesPart B giveback $160/mo · Dental up to $4,000/yr · eyewear $150/yr | $0−$160 Part B giveback | $3,750 | $1,830 | 4.5★ |
| 2 | HealthSpring Courage (HMO)HealthSpring · HMO83 of 95 countiesPart B giveback $120/mo · Dental up to $1,200/yr · eyewear $200/yr · OTC items $200/yr | $0−$120 Part B giveback | $3,900 | $2,460 | 3.5★ |
| 3 | AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS)UnitedHealthcare · HMO-POSAll 95 countiesPart B giveback $165/mo · Dental up to $4,000/yr · eyewear $125/yr · hearing aids $1,000/yr | $0−$165 Part B giveback | $4,450 | $2,470 | 4★ |
| 4 | Humana USAA Honor Giveback (PPO)Humana · PPO89 of 95 countiesPart B giveback $50/mo · Dental up to $2,000/yr · eyewear $150/yr | $0−$50 Part B giveback | $3,400 | $2,800 | 4★ |
| 5 | Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS12 of 95 countiesPart B giveback $120/mo · Dental up to $3,000/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0−$120 Part B giveback | $4,900 | $3,460 | 3.5★ |
| 6 | BlueAdvantage Freedom (PPO)BlueCross BlueShield of Tennessee · PPOAll 95 countiesPart B giveback $70/mo · Dental up to $2,500/yr · eyewear $112/yr · OTC items $400/yr | $0−$70 Part B giveback | $4,450 | $3,610 | 3.5★ |
| 7 | Aetna Medicare Eagle (HMO-POS)Aetna Medicare · HMO-POS13 of 95 countiesPart B giveback $100/mo · Dental up to $2,500/yr · eyewear $200/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0−$100 Part B giveback | $4,900 | $3,700 | 3.5★ |
| 8 | HumanaChoice R0110-017 (Regional PPO)Humana · Regional PPOAll 95 countiesDental up to $3,500/yr · eyewear $150/yr | $0 | $4,650 | $4,650 | 3.5★ |
| 9 | Aetna Medicare Eagle (PPO)Aetna Medicare · PPO67 of 95 countiesPart B giveback $100/mo · Dental up to $1,500/yr · eyewear $250/yr · hearing aids $1,250/yr per ear · OTC items $120/yr | $0−$100 Part B giveback | $9,850 | $8,650 | 4★ |
County pages
Blount County · Bradley County · Davidson County · Hamilton County · Knox County · Maury County · Montgomery County · Rutherford County · Shelby County · Sullivan County · Sumner County · Washington County · Williamson County · Wilson County
Questions
How many Medicare Advantage plans are available in Tennessee for 2027?
CMS lists 96 general-audience Medicare Advantage plans with drug coverage in Tennessee for 2027, from 8 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Tennessee?
Yes. 66 of the 96 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Tennessee Medicare Advantage plan has the lowest worst-case cost?
Humana Gold Plus H4461-081 (HMO) from Humana: $90 a month with an in-network out-of-pocket maximum of $1,900, so at most about $2,980 in premiums and in-network costs for the year. It is offered in 26 of 95 counties.
Which Tennessee Medicare Advantage plans have 4 or more stars?
38 of the 96 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Tennessee Medicare Advantage plans have a Part B giveback?
20 of the 96 plans lower your Part B premium (a "giveback"), according to their 2027 benefit filings with CMS. The largest is $190 a month, from DEVOTED CHOICE GIVEBACK 020 TN (PPO). A giveback plan isn't automatically cheaper: compare its worst-case year and its network.
What is the typical out-of-pocket maximum in Tennessee?
The median in-network out-of-pocket maximum among these plans is $6,400. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
Other states
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming