Best Medicare Advantage Plans in Shelby County, TN for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Shelby 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.
Shelby County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | 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★ |
| 32 | 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★ |
| 33 | HealthSpring True Choice (PPO)HealthSpring · PPO78 of 95 counties · drug deductible $700Dental up to $250/yr | $0 | $9,850 | $9,850 | 3★ |
| 34 | 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★ |
| 35 | 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: 44 in 2026, 42 in 2027.
- $0-premium plans: 28 in 2026, 28 in 2027.
- Median in-network out-of-pocket maximum: $5,100 in 2026, $6,400 in 2027.
- 45,777 people here were in a general-audience Advantage plan in October 2026; 1,705 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 Shelby County for 2027?
35 general-audience plans with drug coverage, 21 of them with a $0 monthly premium, compared with 44 plans and 28 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Shelby County?
AARP Medicare Advantage from UHC TN-0004 (HMO-POS) from UnitedHealthcare: $22 a month with an in-network out-of-pocket maximum of $4,450, so at most about $4,714 for the year in premiums and in-network costs.
Do any Shelby County plans have a Part B giveback?
6 do. The largest is $154.70 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 012 TN (PPO).
How many Shelby County plans have 4 or more stars?
14 of 35, 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
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