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  1. 🏠
  2. Medicare Advantage Plans
  3. Tennessee
  4. Clay County

2026 Medicare Advantage Plans in Clay County, TN

Last update: September 2, 2026.

For 2026, Clay County, TN includes 38 Medicare Advantage plans. Enrollment across these plans totals approximately 531, with 24 $0 premium options and 53% rated 4 stars or higher.

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Clay County, TN are summarized separately. Visit Medicare Options in Clay County, TN to see more options.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

  • Average Monthly Premium: $17.46/mo
  • $0 Premium Plans: 24
  • Average MOOP: $5,647 ($9,250 max. in 2026)
  • Star Ratings (Plan Mix): 4+ Stars: 53% · 3 Stars: 47% · Below 3: 0%
  • Average Part D Deductible: $463.17
  • Total MA/MAPD Enrollment: 531
  • Plans with the Highest Enrollment
    (as of September 8, 2026)
    1. BlueAdvantage Sapphire (PPO) — 239 enrollees
    2. Humana Gold Plus H4461-025 (HMO) — 74 enrollees
    3. AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) — 51 enrollees

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.

Total PPO Plans
18
Average Monthly Premium
$27.26/mo
Total PPO Enrollment
290
$0 Premium PPO Plans
10
Average MOOP
$5,729
Top PPO by Enrollment
BlueAdvantage Sapphire (PPO) — 239 enrollees
PPO Plans Without Drug Coverage
4

2026 PPO Medicare Advantage plans in Clay County, Tennessee (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Eagle Giveback
☆☆☆☆☆
$0 $8,200 N/A H5521-279-0
Aetna Medicare Enhanced
☆☆☆☆☆
$28 $6,750 $615 H5521-501-0
Aetna Medicare Signature
☆☆☆☆☆
$0 $6,750 $615 H5521-254-0
Humana Value Plus H7617-088
☆☆☆☆☆
$28 $4,900 $615 H7617-088-0
UHC Medicare Advantage TC-0001
☆☆☆☆☆
$0 $6,700 $440 H2001-104-0
BlueAdvantage Diamond
☆☆☆☆☆
$147 $2,975 $250 H7917-010-0
BlueAdvantage Extra
☆☆☆☆☆
$28 $5,100 $615 H7917-041-0
BlueAdvantage Freedom
☆☆☆☆☆
$0 $3,200 N/A H7917-039-0
BlueAdvantage Ruby
☆☆☆☆☆
$92 $3,850 $250 H7917-014-0
BlueAdvantage Sapphire
☆☆☆☆☆
$0 $4,200 $250 H7917-030-0
DEVOTED CHOICE 015 TN
☆☆☆☆☆
$0 $6,400 $375 H9231-015-0
DEVOTED CHOICE GIVEBACK 005 TN
☆☆☆☆☆
$0 $8,300 $605 H9231-005-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $3,400 N/A H5216-235-0
Humana Value Plus H5216-180
☆☆☆☆☆
$28 $4,900 $615 H5216-180-0
HumanaChoice H5216-097
☆☆☆☆☆
$55 $8,850 $590 H5216-097-0
HumanaChoice R0110-017
☆☆☆☆☆
$0 $4,650 N/A R0110-017-0
HumanaChoice R0110-018
☆☆☆☆☆
$86 $6,500 $590 R0110-018-0
HealthSpring True Choice
☆☆☆☆☆
$0 $7,500 $250 H7849-153-0

What is the average monthly premium for PPO plans in Clay?

PPO plans in Clay cost $27.26 per month on average.

Which PPO plan has the highest enrollment in Clay?

The most popular PPO plan in Clay is BlueAdvantage Sapphire (PPO), with 239 enrollees.

How many PPO plans in Clay do not include prescription drug coverage?

4 PPO plans in Clay do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.

  • Total HMO Plans 7
  • Average Monthly Premium $2.16/mo
  • Total HMO Enrollment 107
  • $0 Premium HMO Plans 6
  • Average MOOP $5,557
  • Top HMO by Enrollment Humana Gold Plus H4461-025 (HMO) — 74 enrollees
  • HMO Plans Without Drug Coverage 2

2026 HMO Medicare Advantage plans in Clay County, Tennessee (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Aetna Medicare Value Plus
☆☆☆☆☆
$15 $6,750 $615 H3146-012-0
HealthSpring Courage
☆☆☆☆☆
$0 $3,900 N/A H4513-033-0
HealthSpring Preferred
☆☆☆☆☆
$0 $4,900 $200 H4513-049-2
Humana Gold Plus H4461-025
☆☆☆☆☆
$0 $4,700 $615 H4461-025-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $3,750 N/A H4461-004-0
DEVOTED CORE 007 TN
☆☆☆☆☆
$0 $6,400 $375 H7605-007-0
DEVOTED GIVEBACK 008 TN
☆☆☆☆☆
$0 $8,500 $605 H7605-008-0
What is the top HMO by enrollment in Clay?

Humana Gold Plus H4461-025 (HMO) is the top HMO in Clay, with 74 enrollees.

What is the number of HMO plans without Part D coverage in Clay?

2 HMO plans in Clay do not include prescription drug coverage.

Medicare Advantage HMO-POS Plans

HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.

Total HMO-POS Plans
13
Average Monthly Premium
$12.12/mo
Total HMO-POS Enrollment
134
$0 Premium HMO-POS Plans
8
Average MOOP
$5,582
Top HMO-POS by Enrollment
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) — 51 enrollees
HMO-POS Plans Without Drug Coverage
2

2026 HMO-POS Medicare Advantage plans in Clay County, Tennessee (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage from UHC TC-0002
☆☆☆☆☆
$0 $4,200 $355 H5253-047-0
AARP Medicare Advantage from UHC TC-0003
☆☆☆☆☆
$42 $3,500 $355 H5253-048-0
AARP Medicare Advantage Giveback from UHC TC-4
☆☆☆☆☆
$0 $6,700 $600 H5253-121-0
AARP Medicare Advantage Patriot No Rx TC-MA01
☆☆☆☆☆
$0 $3,900 N/A H5253-113-0
HealthSpring Premier
☆☆☆☆☆
$45 $6,150 $250 H4513-036-0
Wellcare Assist
☆☆☆☆☆
$24 $4,800 $615 H1416-083-0
Wellcare Assist
☆☆☆☆☆
$28 $4,800 $615 H1416-042-0
Wellcare Giveback
☆☆☆☆☆
$0 $6,700 $615 H1416-079-0
Wellcare Patriot Giveback
☆☆☆☆☆
$0 $4,800 N/A H1416-061-0
Wellcare Simple
☆☆☆☆☆
$0 $4,800 $615 H1416-077-0
Wellpoint Extra Help
☆☆☆☆☆
$0 $9,000 $390 H5828-008-0
Wellpoint Medicare Advantage
☆☆☆☆☆
$19 $6,750 $200 H5828-013-0
Wellpoint Medicare Advantage 2
☆☆☆☆☆
$0 $6,460 $200 H5828-016-0

What is the typical premium for HMO-POS plans in Clay?

HMO-POS plans in Clay cost $12.12 per month on average.

Which HMO-POS plan has the most members in Clay?

The most popular HMO-POS plan in Clay is AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS), with 51 enrollees.

How many HMO-POS options are offered without prescription drug coverage in Clay?

There are 2 HMO-POS plans in Clay without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Clay County, TN (2026) are summarized below.

Medicare Advantage Plan Ratings in Clay County, TN (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 20 53%
3 Stars 18 47%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.71

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.

Data sources and methodology documentation .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025

MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.

Data provenance is documented in accordance with the U.S. Core Data for Interoperability (USCDI) Provenance standard .

Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.

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