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
$0 Premium Medicare Advantage Plans in Tennessee
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Tennessee for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
66$0-premium plans, of 96 with drug coverage
$3,800lowest in-network out-of-pocket max among them
20also pay part of your Part B premium
Showing all 66 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | 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★ |
| 2 | 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★ |
| 3 | 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★ |
| 4 | 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★ |
| 5 | 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★ |
| 6 | 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★ |
| 7 | 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★ |
| 8 | 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★ |
| 9 | 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★ |
| 10 | 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★ |
| 11 | 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★ |
| 12 | 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★ |
| 13 | 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★ |
| 14 | 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★ |
| 15 | 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★ |
| 16 | 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★ |
| 17 | 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★ |
| 18 | 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★ |
| 19 | 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★ |
| 20 | 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★ |
| 21 | 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★ |
| 22 | 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★ |
| 23 | 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★ |
| 24 | 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★ |
| 25 | 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★ |
| 26 | 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★ |
| 27 | 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★ |
| 28 | 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★ |
| 29 | 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★ |
| 30 | 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★ |
| 31 | 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★ |
| 32 | 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★ |
| 33 | 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★ |
| 34 | 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★ |
| 35 | 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★ |
| 36 | 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★ |
| 37 | 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★ |
| 38 | 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★ |
| 39 | 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★ |
| 40 | 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★ |
| 41 | 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★ |
| 42 | 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★ |
| 43 | 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★ |
| 44 | 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★ |
| 45 | 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★ |
| 46 | 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★ |
| 47 | 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★ |
| 48 | 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★ |
| 49 | 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★ |
| 50 | 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★ |
| 51 | 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★ |
| 52 | 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★ |
| 53 | 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★ |
| 54 | 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★ |
| 55 | 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★ |
| 56 | 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★ |
| 57 | 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★ |
| 58 | 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★ |
| 59 | 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★ |
| 60 | 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★ |
| 61 | 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★ |
| 62 | 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★ |
| 63 | 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★ |
| 64 | 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★ |
| 65 | 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★ |
| 66 | HealthSpring True Choice (PPO)HealthSpring · PPO78 of 95 counties · drug deductible $700Dental up to $250/yr | $0 | $9,850 | $9,850 | 3★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Tennessee Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Tennessee for 2027?
66 of the 96 general-audience Medicare Advantage plans with drug coverage in Tennessee have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Tennessee's $0 plans, the lowest in-network maximum is $3,800 and the median is $6,725.
Which $0 premium plan in Tennessee has the lowest worst-case cost?
Humana Gold Plus H4461-080 (HMO) from Humana, with an in-network out-of-pocket maximum of $3,800. It is sold in 26 of 95 counties.
Do any $0 premium plans in Tennessee also have a Part B giveback?
Yes, 20 of them. See the Tennessee Part B giveback plans.
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
- All Tennessee Medicare Advantage plans, ranked →
- Part B giveback plans in Tennessee →
- Where $0 plans are disappearing in 2027 →
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