Medicare Advantage Plans in Tennessee 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Tennessee has about 48 percent of Medicare beneficiaries in Advantage plans. Nashville, Memphis, and Knoxville all have competitive markets. BlueCross BlueShield of Tennessee is a major carrier across the state with a large provider network.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Tennessee.
Rural Coverage Note
Parts of Tennessee have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Tennessee Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Tennessee
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Tennessee
Tennessee's Medigap market is active in the major metros. Residents in rural east Tennessee and western Tennessee sometimes face limited Advantage network depth and tend to favor Medigap for its flexibility and predictable costs.