Best Medicare Advantage Plans in Montgomery County, TN for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Montgomery County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Montgomery County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 35 in 2026, 28 in 2027.
- $0-premium plans: 20 in 2026, 17 in 2027.
- Median in-network out-of-pocket maximum: $5,400 in 2026, $6,750 in 2027.
- 10,730 people here were in a general-audience Advantage plan in October 2026; 1,023 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (HMO), HealthSpring Courage (HMO), AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS), Humana USAA Honor Giveback (PPO), BlueAdvantage Freedom (PPO), HumanaChoice R0110-017 (Regional PPO), Aetna Medicare Eagle (PPO).
Questions
How many Medicare Advantage plans are in Montgomery County for 2027?
21 general-audience plans with drug coverage, 10 of them with a $0 monthly premium, compared with 35 plans and 20 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Montgomery County?
HealthSpring Primary (HMO) from HealthSpring: $13.70 a month with an in-network out-of-pocket maximum of $5,400, so at most about $5,564 for the year in premiums and in-network costs.
Do any Montgomery County plans have a Part B giveback?
4 do. The largest is $185 a month off your Part B premium, from HealthSpring Preferred Extra Savings (HMO).
How many Montgomery County plans have 4 or more stars?
6 of 21, based on CMS's 2027 ratings of the contract behind each plan.
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.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
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. · Advertiser disclosure
Keep going
- All Tennessee Medicare Advantage plans →
- Best Part D plans in Tennessee →
- HMO vs. PPO and star ratings →
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