Best Tennessee Medicare Advantage Plans

To determine the most widely available Medicare Advantage plans in Tennessee, MoneyGeek used the Centers for Medicare & Medicaid Services' (CMS) five-star quality rating system. We classified the best plans across different categories, including the type, prescription requirements and out-of-pocket cost limits.

While our research can help you identify the best plan for your needs, our analysis is only a generalization for all customers. You will need to shop around for a plan that suits your needs to ensure that the providers and hospitals are in the network of the plan you buy.

MoneyGeek also analyzed the best medicare supplement plans in Tennessee for those focused on covering out-of-pocket expenses.

The best Medicare Advantage plan in Tennessee depends on your healthcare needs. For instance, the Aetna Medicare Premier Plan from Aetna Medicare is the best for individuals looking to purchase PPO plans with six core benefits, drug coverage and a high CMS score. BlueAdvantage Garnet from BlueCross BlueShield of Tennessee also provides similar benefits, including six core benefits, a high CMS score and drug coverage.

PPO plans are usually more costly than HMO plans, although they feature a broader network of hospitals, doctors and healthcare providers. With these plans, you do not need a referral to see a specialist. PPOs offer more flexibility, despite the high premiums.

The best HMO Medicare Advantage plan in Tennessee also depends on your healthcare needs and preferences. If you are interested in purchasing an HMO plan with the core benefits and drug coverage that received a high score from the Centers for Medicare and Medicaid Services, the best plan will be AARP Medicare Advantage Plan 1 from UnitedHealthcare.

HMO plans are often more affordable than other plan types. However, you will need to stay within your provider network, except during emergencies. You will also need a referral to see any specialists.

Buyers who do not need Part D prescription drug coverage can consider several Medicare Advantage plans in Tennessee. If you are looking for the best plan in the state with or without drug coverage which includes the six core benefits and received a high star rating from the CMS, consider AARP Medicare Advantage Patriot from UnitedHealthcare, which MoneyGeek's analysis indicates is the best plan.

Some of the best Medicare Advantage plans in Tennessee have low or no premiums. However, these plans require you to pay higher amounts out of pocket. MoneyGeek’s research indicates that BlueAdvantage Emerald from BlueCross BlueShield of Tennessee is the best plan for buyers seeking a Medicare Advantage plan with low max out-of-pocket (MOOP) limits, a high rating from the CMS, drug coverage and the six core benefits.

Tennessee residents can purchase Medicare Advantage plans from 11 healthcare organizations. The section below provides statistics about rare versus common plan components, including plan types, core benefits and $0 premium plans.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Tennessee were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Tennessee based on county availability.