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

2027 Medicare Advantage Plans in Rutherford County, TN

Last update: October 5, 2026.

For 2027, Rutherford County, TN includes 34 Medicare Advantage plans. Enrollment across these plans totals approximately 18,929, with 21 $0 premium options and 35% 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: $22.08/mo
  • $0 Premium Plans: 21
  • Average MOOP: $6,702 ($9,250 max. in 2027)
  • Star Ratings (Plan Mix): 4+ Stars: 35% · 3 Stars: 65% · Below 3: 0%
  • Average Part D Deductible: $619.15
  • Total MA/MAPD Enrollment: 18,929
  • Plans with the Highest Enrollment
    (as of October 5, 2026)
    1. BlueAdvantage Garnet (PPO) — 6,532 enrollees
    2. HealthSpring Preferred (HMO) — 3,151 enrollees
    3. AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) — 1,758 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Rutherford County, TN are summarized separately. Visit Medicare Options in Rutherford 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
16
Average Monthly Premium
$34.71/mo
Total PPO Enrollment
8,228
$0 Premium PPO Plans
8
Average MOOP
$6,743
Top PPO by Enrollment
BlueAdvantage Garnet (PPO) — 6,532 enrollees
PPO Plans Without Drug Coverage
4

2027 PPO Medicare Advantage plans in Rutherford County, Tennessee (comparison chart)
PPO Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Value Plus H7617-088
☆☆☆☆☆
$14 $5,400 $700 H7617-088-0
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
☆☆☆☆☆
$161 $4,450 $700 H7917-009-0
BlueAdvantage Extra
☆☆☆☆☆
$13 $7,150 $700 H7917-041-0
BlueAdvantage Freedom
☆☆☆☆☆
$0 $4,450 N/A H7917-039-0
BlueAdvantage Garnet
☆☆☆☆☆
$0 $7,145 $700 H7917-032-0
BlueAdvantage Ruby
☆☆☆☆☆
$116 $4,450 $700 H7917-013-0
DEVOTED CHOICE 015 TN
☆☆☆☆☆
$0 $6,400 $650 H9231-015-0
DEVOTED CHOICE GIVEBACK 005 TN
☆☆☆☆☆
$0 $9,350 $461 H9231-005-0
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 Rutherford?

PPO plans in Rutherford cost $34.71 per month on average.

Which PPO plan has the highest enrollment in Rutherford?

The most popular PPO plan in Rutherford is BlueAdvantage Garnet (PPO), with 6,532 enrollees.

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

4 PPO plans in Rutherford 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 11
  • Average Monthly Premium $1.25/mo
  • Total HMO Enrollment 7,639
  • $0 Premium HMO Plans 10
  • Average MOOP $6,640
  • Top HMO by Enrollment HealthSpring Preferred (HMO) — 3,151 enrollees
  • HMO Plans Without Drug Coverage 2

2027 HMO Medicare Advantage plans in Rutherford County, Tennessee (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
Humana Essentials Plus Giveback
☆☆☆☆☆
$0 $9,850 $500 H4461-039-0
Humana Total Complete
☆☆☆☆☆
$0 $5,390 $700 H4461-043-1
Humana USAA Honor Giveback
☆☆☆☆☆
$0 $3,750 N/A H4461-004-0
Aetna Medicare Value Plus
☆☆☆☆☆
$0 $6,750 $400 H3146-012-0
DEVOTED CORE 007 TN
☆☆☆☆☆
$0 $6,400 $650 H7605-007-0
DEVOTED GIVEBACK 008 TN
☆☆☆☆☆
$0 $9,500 $461 H7605-008-0
HealthSpring Courage
☆☆☆☆☆
$0 $3,900 N/A H4513-033-0
HealthSpring Preferred
☆☆☆☆☆
$0 $6,000 $500 H4513-049-1
HealthSpring Preferred Extra Savings
☆☆☆☆☆
$0 $8,950 $700 H4513-090-0
HealthSpring Preferred Savings
☆☆☆☆☆
$0 $7,150 $700 H4513-068-1
HealthSpring Primary
☆☆☆☆☆
$14 $5,400 $700 H4513-053-0
What is the top HMO by enrollment in Rutherford?

HealthSpring Preferred (HMO) is the top HMO in Rutherford, with 3,151 enrollees.

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

2 HMO plans in Rutherford 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
7
Average Monthly Premium
$25.96/mo
Total HMO-POS Enrollment
3,062
$0 Premium HMO-POS Plans
3
Average MOOP
$6,706
Top HMO-POS by Enrollment
AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) — 1,758 enrollees
HMO-POS Plans Without Drug Coverage
1

2027 HMO-POS Medicare Advantage plans in Rutherford County, Tennessee (comparison chart)
Plan Name Rating* Premium MOOP Rx Ded. Plan-ID
AARP Medicare Advantage from UHC TN-0006
☆☆☆☆☆
$78 $6,300 $685 H5253-084-0
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 $7,145 $550 H5828-015-0

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

HMO-POS plans in Rutherford cost $25.96 per month on average.

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

The most popular HMO-POS plan in Rutherford is AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS), with 1,758 enrollees.

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

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

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

Medicare Advantage Plan Ratings in Rutherford County, TN (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 12 35%
3 Stars 22 65%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.68

* 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 Rutherford County, Tennessee, including communities such as Christiana, Eagleville, Lascassas, La Vergne, Murfreesboro, Rockvale, Smyrna, 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, 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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