Your Guide to Medicare Advantage in Franklin County, TN
Welcome to our comprehensive guide to Medicare Advantage Plans in Franklin County, Tennessee. With 33 plans available, it’s important to find the one that best suits your healthcare needs.
This guide will help you explore and compare your options, providing all the information you need to make an informed decision.
Medicare Advantage Plan Options for Franklin County
Explore the 33 Medicare Advantage Plans currently offered in Franklin County. Take a closer look at any plan, and you'll find a dedicated page packed with benefit and coverage details.
2025 Medicare Advantage Plans
2025 Medicare Advantage Plan information will not be available until early October. We will let you know when the new data is available from CMS.
Sign-Up for 2025 Medicare Advantage Plan Notification. The 2025 Annual Enrollment Period begins October 15.
Franklin County, Tennessee Medicare Advantage Plans
Plan Name | Type | Premium | MOOP | Rx Ded. | Rating |
---|---|---|---|---|---|
Humana Gold Plus H4461-035* | HMO | $0 | $3,850 | $0 | |
Humana Gold Plus H4461-040* | HMO | $99 | $900 | $0 | |
Humana Gold Plus H4461-041* | HMO | $20 | $2,900 | $0 | |
Humana USAA Honor* | HMO | $0 | $3,200 | N/A | |
AARP Medicare Advantage from UHC TC-0002* | HMO-POS | $0 | $3,500 | $0 | |
AARP Medicare Advantage from UHC TC-0003* | HMO-POS | $36 | $3,000 | $0 | |
AARP Medicare Advantage from UHC TC-0004* | HMO-POS | $0 | $6,300 | $395 | |
AARP Medicare Advantage Patriot No Rx TC-MA01* | HMO-POS | $0 | $3,200 | N/A | |
BlueAdvantage Diamond* | PPO | $149 | $2,750 | $0 | |
BlueAdvantage Emerald* | PPO | $45 | $3,900 | $0 | |
BlueAdvantage Extra* | PPO | $23 | $3,900 | $545 | |
BlueAdvantage Freedom* | PPO | $0 | $3,200 | N/A | |
BlueAdvantage Ruby* | PPO | $92 | $3,800 | $0 | |
BlueAdvantage Sapphire* | PPO | $0 | $3,900 | $0 | |
Humana USAA Honor* | PPO | $0 | $3,400 | N/A | |
Humana Value Plus H5216-180* | PPO | $41 | $3,000 | $545 | |
HumanaChoice H5216-097* | PPO | $53 | $8,850 | $150 | |
Aetna Medicare Eagle Plan | PPO | $0 | $6,700 | N/A | |
Aetna Medicare Premier Plan | PPO | $0 | $6,350 | $0 | |
Aetna Medicare Value Plus Plan | HMO | $16 | $6,700 | $300 | |
Cigna Preferred Medicare | HMO | $0 | $5,300 | $0 | |
HumanaChoice R7315-001 | PPO | $0 | $5,900 | N/A | |
HumanaChoice R7315-002 | PPO | $75 | $6,700 | $545 | |
UHC Medicare Advantage TC-0001 | PPO | $0 | $5,900 | $0 | |
Wellpoint Extra Help | HMO | $9 | $4,900 | $545 | |
Wellpoint Medicare Advantage | HMO-POS | $0 | $4,900 | $0 | |
Wellcare Assist | HMO | $22 | $4,900 | $365 | |
Wellcare Giveback | HMO | $0 | $6,700 | $545 | |
Wellcare No Premium | HMO-POS | $0 | $5,500 | $150 | |
Wellcare Patriot Giveback | HMO-POS | $0 | $5,000 | N/A | |
Wellcare Giveback Open | PPO | $0 | $6,700 | $545 | |
Wellcare No Premium Open | PPO | $0 | $5,500 | $300 | |
Farm Bureau Advantage | HMO | $0 | $5,300 | $0 | |
**Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages. |
What Are Medicare Advantage Plans?
Medicare Advantage Plans, also known as Part C, are offered by private insurance companies and provide comprehensive coverage that includes both Medicare Part A (hospital insurance) and Part B (medical insurance). Many of the 33 plans available in Franklin County also include additional benefits such as prescription drug coverage, dental, vision, and wellness programs, making them an all-in-one alternative to Original Medicare.
- Health Maintenance Organization (HMO): Medicare Advantage HMO Plans require members to use a specific network of doctors and hospitals in Franklin County and usually requires referrals for specialist care. HMOs tend to be more affordable but come with restrictions on provider choice.
- Preferred Provider Organization (PPO): PPO Plans provide greater flexibility in choosing healthcare providers, allowing members to see specialists without a referral. However, PPOs generally come with higher premiums and out-of-pocket costs.
- Private Fee-for-Service (PFFS): Members can visit any Medicare-approved doctor or hospital in Franklin County that agrees to the plan's terms. Medicare Advantage PFFS plans offer more freedom in choosing providers but may have higher associated costs.
- Medicare Savings Account (MSA): This plan pairs a high-deductible Medicare Advantage plan with a savings account that the plan funds. You can use the money in the savings account to pay for healthcare expenses before meeting your deductible. Any unused funds roll over year to year, offering a way to manage healthcare costs with greater flexibility.
You may also have Medicare HMO-POS plans available. It's a type of HMO that offers a little more more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost.
Benefits of Medicare Advantage Plans
Medicare Advantage Plans, also known as Part C, provide several key advantages over Original Medicare. Bundle up your healthcare with plans that cover Medicare Parts A and B, plus some extras like prescription meds, dental care, and vision services - it's a package deal! Medicare Advantage can be a smart choice if you want to maximize your healthcare dollars and enjoy extras like additional services and lower out-of-pocket costs.
Here are some of the top advantages these plans offer Franklin County residents:
- Wellness Programs: Many plans provide free gym memberships, wellness programs, and preventive care services to help you maintain your health.
- Comprehensive Coverage: Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.
- Coordinated Care: Some plans include care coordination services that will help you manage your healthcare across different providers and services.
- Cost Savings: Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.
How to Find the Best Medicare Advantage Plan for You
Selecting the ideal Medicare Advantage Plan from the 33 plans available in Franklin County involves evaluating several crucial aspects:
- Provider Network: Ensure your healthcare providers are within the plan's network to maintain continuity of care.
- Prescription Drug Coverage: Confirm that your current medications are included in the plan's formulary to avoid higher out-of-pocket costs.
- Costs: Assess the plan’s premium, deductible, and out-of-pocket expenses. The ideal plan aligns with both your financial situation and your healthcare needs.
- Additional Benefits: Identify any additional benefits that are important to you, such as fitness programs, routine dental, or over-the-counter medication benefits, and ensure the plan includes them.
- Plan Ratings: If a plan offers the benefits you need at a price you can afford, be sure to check its CMS star ratings. This will help you avoid plans with known problems, like poor customer service.
Discover the key factors to consider when comparing Medicare Advantage Plans.
Understanding the Medicare Advantage Enrollment Process
Knowing when and how to enroll in a Franklin County Medicare Advantage Plan is key to getting the healthcare coverage you need. Here’s a quick overview of the enrollment opportunities available to you in for 2024.
- Initial Enrollment Period (IEP): The IEP is a seven-month window surrounding your 65th birthday, allowing you to sign up for a Medicare Advantage Plan as soon as you become eligible for Medicare.
- Annual Enrollment Period (AEP): The AEP runs from October 15 to December 7 each year, giving you the opportunity to change, drop, or enroll in a Medicare Advantage Plan.
- Open Enrollment Period (OEP): Between January 1 and March 31, if you’re already enrolled in a Medicare Advantage Plan, you can switch plans or revert to Original Medicare.
To learn more about the enrollment periods and steps to take, check out our comprehensive Medicare Enrollment guide.
Plan Availability
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in and all other areas of Franklin County, Tennessee.
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, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
Citations & References
- CMS.gov, "2024 Medicare Part C Landscape Source Files", Last Accessed October 14, 2023
- CMS.gov, "2024 Part C and D Performance Data", Last Accessed October 14, 2023
- Medicare.gov, "Types of Medicare Advantage Plans", Last Accessed 17 May, 2023
- Medicare.gov, "Special Needs Plans (SNP)", Last Accessed 11 June, 2024
- Medicare.gov, "How to compare Medigap policies", Last Accessed 1 June, 2024