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Medicare Advantage plans in Rutherford County, TN for 2027
57 Medicare Advantage plans from 9 companies are available in Rutherford County for 2027. Plans with a $0 monthly premium (not counting special needs plans): 21. Lowest in-network out-of-pocket limit: $3,400.
Open enrollment for 2027 runs October 15 – December 7, 2026; coverage starts January 1, 2027.
Plans with drug coverage (27)
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Humana Total Complete (HMO) Humana | HMO | $0 | $700 | $5,390 | 4 |
| HealthSpring Preferred (HMO) HealthSpring | HMO | $0 | $500 | $6,000 | 4.5 |
| DEVOTED CHOICE 015 TN (PPO) Devoted Health | PPO | $0 | $650 | $6,400 | 3.5 |
| DEVOTED CORE 007 TN (HMO) Devoted Health | HMO | $0 | $650 | $6,400 | 4 |
| Aetna Medicare Value Plus (HMO) Aetna Medicare | HMO | $0 | $400 | $6,750 | 4.5 |
| BlueAdvantage Garnet (PPO) BlueCross BlueShield of Tennessee | PPO | $0 | $700 | $7,145 | 4 |
| Wellpoint Medicare Advantage 2 (HMO-POS) Wellpoint | HMO-POS | $0 | $550 | $7,145 | 3 |
| AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $685 | $7,150 | 4 |
| HealthSpring Preferred Savings (HMO) HealthSpring | HMO | $0 | $700 | $7,150 | 4.5 |
| HealthSpring Preferred Extra Savings (HMO) HealthSpring | HMO | $0 | $700 | $8,950 | 4.5 |
| DEVOTED CHOICE GIVEBACK 005 TN (PPO) Devoted Health | PPO | $0 | $461 | $9,350 | 3.5 |
| DEVOTED GIVEBACK 008 TN (HMO) Devoted Health | HMO | $0 | $461 | $9,500 | 4 |
| HealthSpring True Choice (PPO) HealthSpring | PPO | $0 | $700 | $9,850 | 3 |
| Humana Essentials Plus Giveback (HMO) Humana | HMO | $0 | $500 | $9,850 | 4 |
| BlueAdvantage Extra (PPO) BlueCross BlueShield of Tennessee | PPO | $13 | $700 | $7,150 | 4 |
| HealthSpring Primary (HMO) HealthSpring | HMO | $13.70 | $700 | $5,400 | 4.5 |
| Humana Value Plus H5216-180 (PPO) Humana | PPO | $13.70 | $700 | $5,400 | 3.5 |
| Humana Value Plus H7617-088 (PPO) Humana | PPO | $13.70 | $700 | $5,400 | 4.5 |
| Wellpoint Extra Help (HMO-POS) Wellpoint | HMO-POS | $13.70 | $700 | $9,000 | 3 |
| Aetna Medicare Signature Extra (PPO) Aetna Medicare | PPO | $29 | $700 | $9,850 | 4.5 |
| Wellpoint Medicare Advantage (HMO-POS) Wellpoint | HMO-POS | $40 | $475 | $6,750 | 3 |
| HealthSpring Premier (HMO-POS) HealthSpring | HMO-POS | $50 | $500 | $6,150 | 4.5 |
| AARP Medicare Advantage from UHC TN-0006 (HMO-POS) UnitedHealthcare | HMO-POS | $78 | $685 | $6,300 | 4 |
| HumanaChoice H5216-097 (PPO) Humana | PPO | $85 | $400 | $9,100 | 3.5 |
| BlueAdvantage Ruby (PPO) BlueCross BlueShield of Tennessee | PPO | $116 | $700 | $4,450 | 4 |
| HumanaChoice R0110-018 (Regional PPO) Humana | Regional PPO | $124 | $700 | $7,000 | 3.5 |
| BlueAdvantage Diamond (PPO) BlueCross BlueShield of Tennessee | PPO | $161 | $700 | $4,450 | 4 |
Plans without drug coverage (7)
| Plan | Type | Monthly premium | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|
| Humana USAA Honor Giveback (PPO) Humana | PPO | $0 | $3,400 | 3.5 |
| Humana USAA Honor Giveback (HMO) Humana | HMO | $0 | $3,750 | 4 |
| HealthSpring Courage (HMO) HealthSpring | HMO | $0 | $3,900 | 4.5 |
| AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) UnitedHealthcare | HMO-POS | $0 | $4,450 | 4 |
| BlueAdvantage Freedom (PPO) BlueCross BlueShield of Tennessee | PPO | $0 | $4,450 | 4 |
| HumanaChoice R0110-017 (Regional PPO) Humana | Regional PPO | $0 | $4,650 | 3.5 |
| Aetna Medicare Eagle (PPO) Aetna Medicare | PPO | $0 | $9,850 | 4.5 |
Special needs plans (23)
Special needs plans are only for people who also have Medicaid (D-SNP), certain chronic conditions (C-SNP) or who live in an institution such as a nursing home (I-SNP).
| Plan | Type | Monthly premium | Drug deductible | Out-of-pocket limit (in network) | Last year's star rating |
|---|---|---|---|---|---|
| Senior Care (HMO I-SNP) NHC Advantage | HMO I-SNP | $0 | $500 | $5,000 | 5 |
| DEVOTED C-SNP CHOICE ENHANCED 018 TN (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $461 | $6,900 | 3.5 |
| UHC Complete Care TC-0005 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $0 | $595 | $7,150 | 4 |
| BlueAdvantage Total Heart and Diabetes (PPO C-SNP) BlueCross BlueShield of Tennessee | PPO C-SNP | $0 | $700 | $9,850 | 4 |
| DEVOTED C-SNP CHOICE PLUS 020 TN (PPO C-SNP) Devoted Health | PPO C-SNP | $0 | $461 | $9,850 | 3.5 |
| Humana Dual QMB Only (HMO D-SNP) Humana | HMO D-SNP | $0 | $50 | $9,850 | 4 |
| Humana Gold Plus SNP-DE H4461-022 (HMO D-SNP) Humana | HMO D-SNP | $0 | $200 | $9,850 | 4 |
| Humana Together in Health (PPO I-SNP) Humana | PPO I-SNP | $0 | $50 | $9,850 | 4.5 |
| Humana Together in Health (PPO I-SNP) Humana | PPO I-SNP | $0 | $100 | $9,850 | 3.5 |
| UHC Dual Complete TN-Q1 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $75 | $9,850 | 3.5 |
| UHC Dual Complete TN-Y2 (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $0 | $700 | $9,850 | 3.5 |
| Wellpoint Dual Advantage Plus (HMO D-SNP) Wellpoint | HMO D-SNP | $0 | $105 | $9,850 | 3 |
| Wellpoint Full Dual Advantage 2 (HMO D-SNP) Wellpoint | HMO D-SNP | $0 | $105 | $9,850 | 3 |
| Wellpoint Full Dual Advantage Support (HMO D-SNP) Wellpoint | HMO D-SNP | $0 | $105 | $9,850 | 3 |
| UHC Complete Care Support TC-6 (HMO-POS C-SNP) UnitedHealthcare | HMO-POS C-SNP | $4.90 | $700 | $7,150 | 4 |
| UHC Dual Complete TN-YL (HMO-POS D-SNP) UnitedHealthcare | HMO-POS D-SNP | $8.60 | $0 | $9,850 | 3.5 |
| HealthSpring TotalCare Plus (HMO D-SNP) HealthSpring | HMO D-SNP | $10 | $700 | $9,850 | 4.5 |
| NHC Advantage (HMO I-SNP) NHC Advantage | HMO I-SNP | $12.20 | $700 | $9,850 | 5 |
| American Health Advantage of Tennessee (HMO I-SNP) American Health Advantage of Tennessee | HMO I-SNP | $13.70 | $700 | $9,850 | 4.5 |
| BlueAdvantage Total Heart and Diabetes Plus (PPO C-SNP) BlueCross BlueShield of Tennessee | PPO C-SNP | $13.70 | $700 | $9,850 | 4 |
| BlueCare Plus (HMO D-SNP) BlueCare Plus Tennessee | HMO D-SNP | $13.70 | $700 | $9,850 | 3.5 |
| BlueCare Plus Choice (HMO D-SNP) BlueCare Plus Tennessee | HMO D-SNP | $13.70 | $700 | $9,850 | 3.5 |
| BlueCare Plus Select (HMO D-SNP) BlueCare Plus Tennessee | HMO D-SNP | $13.70 | $700 | $9,850 | 3.5 |
Stand-alone Part D drug plans in Tennessee →
Star ratings for 2027 are published by CMS in October; the stars shown are the contract's 2026 overall rating. We are not connected with or endorsed by the U.S. government or the federal Medicare program, and we do not sell plans. We do not list plan benefits in full; confirm costs and coverage with the plan, Medicare.gov or 1-800-MEDICARE (TTY 1-877-486-2048) before you enroll. Source: CMS Medicare Advantage and Part D Landscape, 2027 (2026-09 release).