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

2027 Medicare Advantage Plans in Putnam County, TN

Last update: October 5, 2026.

For 2027, Putnam County, TN includes 31 Medicare Advantage plans. Enrollment across these plans totals approximately 5,178, with 17 $0 premium options and 52% rated 4 stars or higher.

  • 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: $25.68/mo
  • $0 Premium Plans: 17
  • Average MOOP: $5,810 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 52% · 3 Stars: 48% · Below 3: 0%
  • Average Part D Deductible: $584.58
  • Total MA/MAPD Enrollment: 5,178
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. BlueAdvantage Sapphire (PPO) — 2,737 enrollees
    2. AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS) — 493 enrollees
    3. HealthSpring Preferred (HMO) — 357 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Putnam County, TN are summarized separately. Visit Medicare Options in Putnam County, TN to see more options. For a broader perspective, explore Tennessee Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

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
15
Average Monthly Premium
$35.03/mo
Total PPO Enrollment
3,473
$0 Premium PPO Plans
7
Average MOOP
$6,537
Top PPO by Enrollment
BlueAdvantage Sapphire (PPO) — 2,737 enrollees
PPO Plans Without Drug Coverage
4

2027 PPO Medicare Advantage plans in Putnam County, Tennessee (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Value Plus H7617-088
☆☆☆☆☆
$14 $5,400 $700 H7617-088-0
UHC Medicare Advantage TC-0001
☆☆☆☆☆
$0 $7,150 $685 H2001-104-0
Aetna Medicare Eagle
☆☆☆☆☆
$0 $9,850 N/A H5521-279-0
Aetna Medicare Signature Extra
☆☆☆☆☆
$29 $9,850 $700 H5521-501-0
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $3,400 N/A H5216-235-0
Humana Value Plus H5216-180
☆☆☆☆☆
$14 $5,400 $700 H5216-180-0
HumanaChoice H5216-097
☆☆☆☆☆
$85 $9,100 $400 H5216-097-0
BlueAdvantage Diamond
☆☆☆☆☆
$149 $4,450 $700 H7917-010-0
BlueAdvantage Extra
☆☆☆☆☆
$13 $7,150 $700 H7917-041-0
BlueAdvantage Freedom
☆☆☆☆☆
$0 $4,450 N/A H7917-039-0
BlueAdvantage Ruby
☆☆☆☆☆
$98 $4,450 $700 H7917-014-0
BlueAdvantage Sapphire
☆☆☆☆☆
$0 $5,900 $700 H7917-030-0
HumanaChoice R0110-017
☆☆☆☆☆
$0 $4,650 N/A R0110-017-0
HumanaChoice R0110-018
☆☆☆☆☆
$124 $7,000 $700 R0110-018-0
HealthSpring True Choice
☆☆☆☆☆
$0 $9,850 $700 H7849-153-0
What is the average monthly premium for PPO plans in Putnam?
PPO plans in Putnam cost $35.03 per month on average.
Which PPO plan has the highest enrollment in Putnam?
The most popular PPO plan in Putnam is BlueAdvantage Sapphire (PPO), with 2,737 enrollees.
How many PPO plans in Putnam do not include prescription drug coverage?
4 PPO plans in Putnam do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
7
Average Monthly Premium
$16.00/mo
Total HMO Enrollment
534
$0 Premium HMO Plans
5
Average MOOP
$4,121
Top HMO by Enrollment
HealthSpring Preferred (HMO) — 357 enrollees
HMO Plans Without Drug Coverage
2

2027 HMO Medicare Advantage plans in Putnam County, Tennessee (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
Humana Gold Plus H4461-080
☆☆☆☆☆
$0 $3,800 $700 H4461-080-2
Humana Gold Plus H4461-081
☆☆☆☆☆
$90 $1,900 $250 H4461-081-2
Humana Gold Plus H4461-083
☆☆☆☆☆
$22 $3,200 $395 H4461-083-2
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $3,750 N/A H4461-004-0
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $6,750 $400 H3146-012-0
HealthSpring Courage
☆☆☆☆☆
$0 $3,900 N/A H4513-033-0
HealthSpring Preferred
☆☆☆☆☆
$0 $5,550 $500 H4513-049-2
What is the total number of HMO plans offered in Putnam?

There are 7 HMO plans in 2027, covering 534 enrollees.

How much do HMO plans cost in Putnam?

The average HMO premium in Putnam is $16.00 per month, with 5 plans offering $0 premiums.

What is the top HMO by enrollment in Putnam?

HealthSpring Preferred (HMO) is the top HMO in Putnam, with 357 enrollees.

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

2 HMO plans in Putnam 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
9
Average Monthly Premium
$17.63/mo
Total HMO-POS Enrollment
1,171
$0 Premium HMO-POS Plans
5
Average MOOP
$5,914
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS) — 493 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Putnam County, Tennessee (comparison chart)
Plan Name CMS Stars* Premium/Mo MOOP Rx Ded. CMS ID
AARP Medicare Advantage Essentials from UHC TC-2
☆☆☆☆☆
$0 $4,200 $595 H5253-047-0
AARP Medicare Advantage Extras from UHC TC-7
☆☆☆☆☆
$0 $4,900 $685 H5253-255-0
AARP Medicare Advantage from UHC TC-0003
☆☆☆☆☆
$55 $3,500 $495 H5253-048-0
AARP Medicare Advantage Giveback from UHC TC-4
☆☆☆☆☆
$0 $7,150 $685 H5253-121-0
AARP Medicare Advantage Patriot No Rx TC-MA01
☆☆☆☆☆
$0 $4,450 N/A H5253-113-0
HealthSpring Premier
☆☆☆☆☆
$50 $6,150 $500 H4513-036-0
Wellpoint Extra Help
☆☆☆☆☆
$14 $9,000 $700 H5828-008-0
Wellpoint Medicare Advantage
☆☆☆☆☆
$40 $6,750 $475 H5828-013-0
Wellpoint Medicare Advantage 2
☆☆☆☆☆
$0 $7,125 $265 H5828-016-0

What is the average monthly premium for HMO-POS plans?

HMO-POS plans in Putnam cost $17.63 per month on average.

Which HMO-POS plan is most popular in Putnam?

The most popular HMO-POS plan in Putnam is AARP Medicare Advantage Essentials from UHC TC-2 (HMO-POS), with 493 enrollees.

How many HMO-POS plans in Putnam do not include drug coverage?

There are 1 HMO-POS plans in Putnam without prescription drug coverage.

CMS quality ratings for Medicare Advantage plans in Putnam County, TN (2027) are summarized below.

Medicare Advantage Plan Ratings in Putnam County, TN (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 16 52%
3 Stars 15 48%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.79

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

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Putnam County, Tennessee, including communities such as Cookeville, Baxter, Monterey, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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 informational resource and has no affiliation with, or endorsement from, 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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