Medicare Advantage Plans in Tennessee

Welcome!

We’re here to educate you on your plan options in Tennessee. For starters, our company does not sell these plans, but rather, we connect you with local experts in TN that understand how to best help you. We sold plans for many years and have since stopped and transitioned to helping people like you get connected with local resources who know the markets better than large, national companies.

Navigating Medicare Advantage plans in Tennessee can be overwhelming, but we’re here to help! Whether you’re comparing HMO plans, exploring PPO options, or seeking a plan with prescription drug coverage, this guide will simplify your journey.

What Are Medicare Advantage Plans?

Medicare Advantage plans (also called Medicare Part C) are an alternative to Original Medicare. Offered by private insurance companies, these plans bundle together Medicare Part A (hospital insurance), Part B (medical insurance), and often prescription drug coverage (Part D) into a single health plan.

Many Tennessee Medicare Advantage plans also provide additional benefits like vision, dental, hearing, and over-the-counter allowances.

Medicare Advantage Plans Available in Tennessee

According to Medicare.gov, you have access to 132 Medicare Advantage plans available in Tennessee, offered by 13 insurance companies. These plans include a variety of coverage options, from HMO plans to PPO plans and Special Needs Plans (SNP).  Some companies you can purchase from brokers and some you may need to call directly, below is a list of the most well known names you might see.

Insurance Companies in Tennessee that Offer Medicare Advantage Plans

According to data publicly available from the Centers for Medicare and Medicaid, the following companies offer plans in 2025 in the state of Tennessee.

• BlueCross BlueShield of Alabama
• Centene Corporation
• CVS Health Corporation
• The Cigna Group
• Humana Inc.
• UnitedHealth Group, Inc.
• BlueCross BlueShield of Tennessee
• Missouri Healthcare Advisors, LLC
• Elevance Health, Inc.
• Devoted Health, Inc.
• Mitchell Family Office
• SA Plan, LLC
• Zing Health Consolidator, Inc.

One item to note.  You may see companies listed with other state names, that just means that parent company has a filed and approved product in the state of Tennessee.  For example, BlueCross BlueShield of Alabama has a part D plan available in the state of Tennessee which is why it’s listed.

These insurance plans provide comprehensive health and drug coverage for beneficiaries based on individual needs, including chronic illness and Medicaid eligibility through D-SNP options.

Brokers may not offer all plans and for the plans they do not offer, you’ll need to call Medicare directly.

Tennessee Plan Options: HMO, PPO, and SNP Plans

Health Maintenance Organizations (HMO Plans)

• Require in-network care and referrals for specialists.
• Typically have lower monthly premiums and out-of-pocket costs.

Preferred Provider Organizations (PPO Plans)

• Allow access to out-of-network providers but at a higher cost.
• Offer greater flexibility without referrals.

Special Needs Plans (SNP)

• Tailored for specific groups, such as individuals eligible for both Medicare and Medicaid (D-SNP) or those with chronic conditions.

PFFS Plans

• A Private Fee-for-Service option offering flexible access to providers.

Tennessee Medicare Advantage Plan Costs

When comparing Medicare Advantage plans, pay attention to the following:

1. Monthly Premiums
   • Some plans in Tennessee offer $0 monthly premiums, while others may charge based on additional features.
2. Out-of-Pocket Costs
   • Annual limits on out-of-pocket costs vary:
     • $0 – $2,300: 2.6% of plans
     • $2,301 – $3,300: 9.3%
     • $3,301 – $4,400: 15.2%
     • $4,401 – $6,000: 24.1%
     • $8,701 – $9,350: 27.8%
3. Copays, Coinsurance, and Deductibles
   • Review copays for doctor visits, coinsurance for hospital stays, and deductibles for Part D drug plans.

Star Ratings for Tennessee Plans

Medicare assigns star ratings (1-5) based on quality and customer satisfaction.

Here’s how Tennessee Medicare Advantage plans rank:

• 4.0 Stars: 42.4% of plans
• 3.5 Stars: 25.3%
• 4.5 Stars: 18.4%
• 3.0 Stars: 11.1%

Higher star ratings often mean better service, improved healthcare access, and enhanced benefits. Also, every new plan to a market always starts at 3.5 stars.

Enrollment Periods for Medicare Advantage Plans

To enroll in a Tennessee Medicare Advantage plan, you must act during specific times:

1. Initial Enrollment Period (IEP) – The 7-month period surrounding your 65th birthday.
2. Annual Enrollment Period (AEP) – From October 15 to December 7 each year.
3. Special Enrollment Period (SEP) – If you qualify due to life changes like moving or losing other coverage.

A licensed insurance agent can guide you through the enrollment process to ensure you choose the right plan options.

Prescription Drug Coverage in Medicare Advantage Plans

Most Medicare Advantage plans include Part D for prescription drug coverage. If you need medications, check each plan’s formulary to ensure your drugs are covered. A big change recently has capped out of pocket expenses on drugs to $2,000 annually, but you need to make sure the specific drugs you are taking are covered and in your budget, which can vary from company to company based on how they classify the medication.

Prescription Drug Plans (PDP)

For those on Original Medicare or a Medicare Supplement plan, standalone prescription drug plans are also available.

Choosing the Right Plan for You

When comparing Tennessee Medicare Advantage plans, consider:

• In-network providers – Are your doctors and specialists included?
• Prescription drug costs – Does the plan cover your medications?
• Monthly premium – What can you budget for?
• Out-of-pocket costs – Review annual limits, deductibles, and copays.
• Additional benefits – Does the plan offer dental, vision, or hearing coverage?  Some do and some don’t.

Medicare Advantage Plans by City in Tennessee

Connect with an agent to explore local plan options near you in Tennessee’s largest cities:

1. Medicare Advantage Plans in Nashville, TN
2. Medicare Advantage Plans in Memphis, TN
3. Medicare Advantage Plans in Knoxville, TN
4. Medicare Advantage Plans in Chattanooga, TN
5. Medicare Advantage Plans in Clarksville, TN
6. Medicare Advantage Plans in Murfreesboro, TN
7. Medicare Advantage Plans in Franklin, TN

Speak to a Licensed Health Insurance Agent in Tennessee

Choosing the right health insurance plan doesn’t have to be complicated. Speak to a licensed insurance agent today for help comparing plan options, understanding premiums, and selecting the coverage that fits your needs.