How to Find the Best Tennessee Medicare Advantage Plans

Customers can find the best Medicare Advantage Plan in Tennessee by identifying the components that suit their specific healthcare needs. MoneyGeek’s analysis summarizes the most widely available and highly rated plans in the state that offer a wide array of benefits. From our findings, Aetna Medicare Premier Plan from Aetna Medicare and BlueAdvantage Garnet from BlueCross BlueShield of Tennessee are the best PPO plans. The best HMO plan is AARP Medicare Advantage Plan 1 from UnitedHealthcare.

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Last Updated: 4/2/2022
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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.

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Best Medicare Advantage Plans in Tennessee

Best Medicare Advantage Plan in Tennessee - Overall

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.

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MoneyGeek Top Pick
Aetna Medicare

The best Medicare Advantage plan may also vary depending on each buyer’s needs.

According to MoneyGeek’s research, the Aetna Medicare Premium Plan is the best for Tennessee buyers looking for a PPO, which has the following details:

  • Monthly premium of $0
  • Includes drug coverage
  • An in-network max out-of-pocket limit of $6,700
  • An overall star rating of 4.5 out of 5 from CMS

With the Aetna Medicare Premium Plan, you will receive the six most common benefits: vision, dental, hearing, fitness, worldwide emergency and telehealth. The company received a high rating from the CMS, offers Part D drug coverage and has worldwide emergency benefits that make its plans for frequent travelers.

The BlueAdvantage Garnet from BlueCross BlueShield of Tennessee is also the best for Tennessee buyers looking for a PPO. This plan includes the following features:

  • Monthly premium of $0
  • Includes drug coverage
  • An in-network max out-of-pocket limit of $6,700
  • An overall star rating of 4.5 out of 5 from CMS

This plan includes the six most common benefits: vision, dental, hearing, fitness, worldwide emergency and telehealth. Frequent travelers may find its worldwide emergency benefit appealing. This plan received a rating of 4.5 out of 5 from the CMS and provides Part D drug coverage.

Best HMO Medicare Advantage Plan in Tennessee

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.

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MoneyGeek Top Pick
AARP

Your healthcare needs will determine which plan best fits you. Tennessee individuals looking for an HMO plan can look to AARP Medicare Advantage Plan 1 from UnitedHealthcare as the best option. The plan has the following details:

  • No monthly premium
  • Drug coverage
  • An in-network max out-of-pocket limit of $3,700
  • Overall star rating of 5 out of 5 from CMS

UnitedHealthcare’s AARP Medicare Advantage Plan has seven common additional benefits: vision, dental, hearing, transportation, fitness, telehealth and worldwide emergency. It also has the highest possible rating from CMS and Part D drug coverage.

Best Medicare Advantage Plan in Tennessee Without Drug Coverage

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.

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MoneyGeek Top Pick
AARP

Based on MoneyGeek’s findings, AARP Medicare Advantage Patriot from UnitedHealthcare is the best plan for buyers in Tennessee who need a plan with or without drug coverage. The plan offers the following:

  • No monthly premium
  • Drug coverage
  • An in-network max out-of-pocket limit of $3,200
  • A 5 out of 5 Overall Star Rating from CMS

Aside from the high CMS score, AARP Medicare Advantage Patriot includes the six common additional benefits: vision, dental, worldwide emergency, hearing, telehealth and fitness.

Best Medicare Advantage Plan in Tennessee for Low Max Out-of-Pocket Costs

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.

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MoneyGeek Top Pick
BlueCross BlueShield of Tennessee

The BlueAdvantage Emerald plan from BlueCross BlueShield of Tennessee is the best choice for buyers in Tennessee looking for a policy with low max out-of-pocket limits, regardless of whether the plan has drug coverage or not. The plan offers:

  • A monthly premium of $31
  • An in-network max out-of-pocket limit of $4,900
  • Overall CMS star rating of 4.5 out of 5

Having a plan with a low max out-of-pocket limit ensures that you do not spend a lot per year on health expenses. With the BlueAdvantage Emerald plans, you won’t pay any more money for in-network coverage once you reach the $4,900 MOOP limit. Since it’s a PPO plan, the max out-of-pocket limit for out-of-network coverage be $11,100.

Medicare Advantage Plan in Tennessee - Statistics

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.

1

Tennessee Medicare Advantage Plans are a mix of Health Maintenance Organizations (HMO) and Preferred Provider Organization (PPO) plans, with 79.4% offering drug coverage

Most Medicare Advantage Plans in Tennessee are HMO plans. PPO plans also make up 47.5% of the Medicare Advantage plans available on the market. In Tennessee, 79.4% of these plans offer drug coverage. Both HMO and PPO plans have a balanced percentage of options without drug coverage.

2

In Tennessee, 63% of Medicare Advantage Plans have a $0 premium

There are 36 unique plans in Tennessee with a $0 premium. These cover 63% of the total number of Medicare Advantage Plans in the market, which leaves 37% of the plans requiring a monthly premium. These premiums cost an average of $58.

3

Vision, hearing, dental and fitness benefits are common in Tennessee, with most plans offering them

Medicare Advantage Plans in Tennessee most commonly offer vision, hearing, dental and fitness benefits. In-home support and home safety devices and modifications are the rarest types of coverage. You may need to shop around to find plans with these benefits.

Methodology

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.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.