Tennessee · 2026 plan year
Medicare Advantage HMO plans in Tennessee
There are 70 Medicare Advantage HMO plans in Tennessee from 10 carriers, averaging 3.86 out of 5 stars across the 69 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
70
HMO plans
10
Carriers
95
Counties covered
3.9
Avg stars (69 of 70 rated)
$6,388
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Tennessee HMO plans rank 21st of 49 on star rating.
Across the 69 rated plans here the average overall rating is 3.86 stars, 21st highest of the 49 states with HMO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated HMO plans in Tennessee
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| HealthSpring Preferred (HMO)Cigna HealthCare | 4.5★ | $4,900 | $0 |
| HealthSpring Primary (HMO)Cigna HealthCare | 4.5★ | $5,000 | $0 |
| Aetna Medicare Enhanced (HMO)Aetna Medicare | 4.5★ | $5,900 | $16 |
| HealthSpring Premier (HMO-POS)Cigna HealthCare | 4.5★ | $6,150 | $0 |
| HealthSpring Preferred Savings (HMO)Cigna HealthCare | 4.5★ | $6,200 | $0 |
Showing 5 of 70. See all TennesseeMedicare Advantage plans →
Who sells here
HMO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| UnitedHealthcareUnitedHealth Group, Inc. | 14 | 3.9 | 7 |
| Cigna HealthCareHealth Care Service Corporation | 13 | 4.5 | 2 |
| HumanaHumana Inc. | 11 | 4.0 | 3 |
| Devoted HealthDevoted Health, Inc. | 9 | 4.0 | 1 |
| WellpointElevance Health, Inc. | 9 | 3.0 | 3 |
| WellcareCentene Corporation | 6 | 3.0 | 1 |
| Aetna MedicareCVS Health Corporation | 3 | 4.5 | — |
| BlueCare Plus TennesseeBlueCross BlueShield of Tennessee | 3 | 3.5 | 3 |
| American Health Advantage of TennesseeMitchell Family Office | 1 | 4.5 | 1 |
| Ascension CompleteCentene Corporation | 1 | — | — |
Other plan types in Tennessee
How HMO compares
Nearby on quality
States with similar HMO star ratings
Common questions
Tennessee Medicare Advantage HMO plans, answered
How much do Medicare Advantage HMO plans cost in Tennessee?
Of the Tennessee HMO plans with a published premium, 94% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the in-network out-of-pocket maximum, which averages $6,388 across these plans.
What are the star ratings for Tennessee HMO plans?
The 69 rated HMO plans in Tennessee average 3.86 out of 5 stars, with 48 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage HMO plans are available in Tennessee?
There are 70 HMO plans from 10 carriers, sold across 95 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 21 of them are Special Needs Plans with extra eligibility rules (see below).
Do Tennessee HMO plans include prescription drug coverage?
70 of the 70 HMO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Tennessee?
21 of the 70 HMO plans in Tennessee are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
Simplivera models your actual annual costs across Tennessee Medicare Advantage plans.
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