Top Medicare Advantage Plans in Tennessee for 2024
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2024 Medicare Advantage Open Enrollment Begins October 15
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Uncovering the Best Medicare Advantage Plans in Tennessee
Are you considering enrolling in a 2024 Medicare Advantage plan in Tennessee? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
This page is dedicated to assisting you in exploring the highest-rated Medicare Advantage (MA) plans available in Tennessee, highlighting the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific geographic region. This information is crucial as the availability of these plans varies by location, and it's essential to identify the options accessible in your area.
Table of Contents
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Unveiling the Standout Medicare Advantage Plans in Tennessee
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Tennessee's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
Tennessee has 5-star Medicare Advantage plans available in 2023. Not all states and locations do. This year, the highest rated Medicare plans available in Tennessee come from:
- BlueCross BlueShield of Tennessee
- Cigna
- Humana
MedicareWire recommends evaluating plans from these Tennessee health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Tennessee, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans. Compare coverage and costs carefully.
Complete List of Tennessee's Plan Providers
Tennessee has 11 providers that offer Medicare Advantage plans. They include:
- Aetna Medicare
- Amerigroup
- AMERIGROUP Community Care
- Amerigroup Insurance Company
- Ascension Complete
- BlueCross BlueShield of Tennessee
- Cigna
- Clover Health
- Humana
- UnitedHealthcare
- Wellcare
Tennessee's Top-Rated Plans
Here are the top-ranked Medicare Advantage plans in Tennessee, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Tennessee
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| BlueCross BlueShield of Tennessee | H7917-036 | BlueAdvantage Emerald (PPO) | $36.00 | $4,900 | 5.0 |
| BlueCross BlueShield of Tennessee | H7917-014 | BlueAdvantage Ruby (PPO) | $92.00 | $3,900 | 5.0 |
| BlueCross BlueShield of Tennessee | H7917-038 | BlueAdvantage Sapphire (PPO) | $0.00 | $5,500 | 5.0 |
| BlueCross BlueShield of Tennessee | H7917-010 | BlueAdvantage Diamond (PPO) | $167.00 | $3,300 | 5.0 |
| BlueCross BlueShield of Tennessee | H7917-032 | BlueAdvantage Garnet (PPO) | $0.00 | $5,900 | 5.0 |
| Cigna | H4513-037 | Cigna Preferred Medicare (HMO) | $0.00 | $5,600 | 5.0 |
| Cigna | H4513-035 | Cigna Primary Medicare (HMO) | $24.20 | $5,000 | 5.0 |
| Cigna | H4513-068 | Cigna Preferred Savings Medicare (HMO) | $0.00 | $6,400 | 5.0 |
| Cigna | H4513-036 | Cigna Premier Medicare (HMO-POS) | $55.00 | $6,700 | 5.0 |
| Humana | H4461-025 | Humana Gold Plus H4461-025 (HMO) | $0.00 | $4,900 | 5.0 |
| Humana | H4461-034 | Humana Gold Plus H4461-034 (HMO) | $0.00 | $3,500 | 5.0 |
| Humana | H4461-036 | Humana Gold Plus H4461-036 (HMO) | $0.00 | $5,500 | 5.0 |
| Humana | H4461-037 | Humana Gold Plus H4461-037 (HMO) | $0.00 | $5,900 | 5.0 |
| Humana | H4461-039 | Humana Gold Plus H4461-039 (HMO) | $0.00 | $7,500 | 5.0 |
| Humana | H4461-029 | Humana Gold Plus H4461-029 (HMO) | $0.00 | $5,900 | 5.0 |
| Humana | H4461-035 | Humana Gold Plus H4461-035 (HMO) | $0.00 | $3,500 | 5.0 |
| Humana | H4461-031 | Humana Gold Plus H4461-031 (HMO) | $29.00 | $2,900 | 5.0 |
| Humana | H4461-030 | Humana Gold Plus H4461-030 (HMO) | $107.00 | $2,000 | 5.0 |
| Humana | H5216-097 | HumanaChoice H5216-097 (PPO) | $58.00 | $6,700 | 4.5 |
| Humana | H5216-274 | HumanaChoice H5216-274 (PPO) | $0.00 | $6,700 | 4.5 |
| Humana | H5216-180 | HumanaChoice H5216-180 (PPO) | $0.00 | $6,700 | 4.5 |
| Humana | H5216-099 | HumanaChoice H5216-099 (PPO) | $56.00 | $6,700 | 4.5 |
| Humana | H5216-098 | HumanaChoice H5216-098 (PPO) | $63.00 | $6,700 | 4.5 |
| Humana | H5216-093 | HumanaChoice H5216-093 (PPO) | $62.00 | $6,700 | 4.5 |
| UnitedHealthcare | H5253-121 | AARP Medicare Advantage Rebate (HMO-POS) | $0.00 | $5,900 | 4.5 |
| UnitedHealthcare | H5253-048 | AARP Medicare Advantage Plan 2 (HMO-POS) | $28.00 | $3,000 | 4.5 |
| UnitedHealthcare | H5253-047 | AARP Medicare Advantage Plan 1 (HMO-POS) | $0.00 | $3,500 | 4.5 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Tennessee County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Tennessee by County
Choose your Tennessee County below to see the best (and the worst) plans.
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Strategies for Choosing the Optimal Medicare Advantage Plan in Tennessee
If you’re approaching the age of 65, navigating a special enrollment event, or looking to review your plan options ahead of the Annual Enrollment Period, there are a number of details you need to consider when comparing your options.
1. Examine Your Projected Utilization Needs
Do you believe that you will get the most out of your plan's benefits, including hospital inpatient care? If you do, evaluate plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits. Conversely, if your health is good and you rarely use services, look for plans with low premiums or a zero-dollar premium. These plans may have high out-of-pocket maximums and high deductibles, so weigh your risk carefully.
2. Evaluate Your Prescription Costs
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Tennessee Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.
3. Assess Your Need for Supplemental Coverage
Original Medicare does not all health care costs. It covers your major medical and some preventive care services, but it does not cover dental, vision, hearing, or prescriptions. A growing number of Medicare Advantage plans cover many of the essential services that your Part A and Part B benefits do not.
4. Review Your Healthcare Network Considerations
Most Medicare Advantage plans available in Tennessee use local healthcare provider networks to deliver care. But not all specialists and primary care doctors accept all plans. It can be exhausting trying to find a plan you want that your doctors will accept. We can help!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans can have some potential drawbacks. Many plans require members to use their provider network. Costs are also heavily influenced by how you use healthcare services. This makes it difficult to budget for healthcare expenses. Most plans require members to get referrals for specialists or authorization before they can receive healthcare services. Learn more about the pros and cons of Medicare Advantage plans.
How much does Medicare Advantage cost in Tennessee?
On average, the cost of a Medicare Advantage plan in Tennessee is $17.51 (based on 2023 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What do Medicare Advantage plans include?
All Medicare Advantage plans offered in Tennessee must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed October 16, 2022
- KFF.org, "Medicare Advantage 2023 Spotlight: First Look", Last Accessed September 5, 2023
- Medicare.gov, "How do Medicare Advantage Plans work?", Last Accessed October 13, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Centene Corporation, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna-HealthSpring, Humana, Molina Healthcare, Mutual of Omaha, Oscar Health Insurance, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, and UnitedHealthcare.
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