2026 Medicare Advantage Plans in Shelby County, TN
Last update: . Enrollment data updated: May 2, 2026
For 2026, Shelby County, TN includes 44 Medicare Advantage plans. Enrollment across these plans totals approximately 46,196, with 28 $0 premium options and 52% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Shelby County, TN are summarized separately. Visit Medicare Options in Shelby County, TN to see more options.
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
- 19
- Average Monthly Premium
- $26.19/mo
- Total PPO Enrollment
- 13,786
- $0 Premium PPO Plans
- 11
- Average MOOP
- $5,709
- Top PPO by Enrollment
- BlueAdvantage Garnet (PPO) — 7,034 enrollees
- PPO Plans Without Drug Coverage
- 4
- What is the average monthly premium for PPO plans in Shelby?
- PPO plans in Shelby cost $26.19 per month on average.
- Which PPO plan has the highest enrollment in Shelby?
- The most popular PPO plan in Shelby is BlueAdvantage Garnet (PPO), with 7,034 enrollees.
- How many PPO plans in Shelby do not include prescription drug coverage?
- 4 PPO plans in Shelby 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.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Aetna Medicare Enhanced | $63 | $5,900 | $615 | H3146-046-0 | |
| Aetna Medicare Value Plus | $15 | $6,750 | $615 | H3146-012-0 | |
| HealthSpring Courage | $0 | $3,900 | N/A | H4513-033-0 | |
| HealthSpring Preferred | $0 | $5,100 | $200 | H4513-049-4 | |
| HealthSpring Preferred Savings | $0 | $6,750 | $300 | H4513-068-2 | |
| HealthSpring Primary | $18 | $5,000 | $615 | H4513-053-0 | |
| 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 004 TN | $0 | $4,900 | $375 | H7605-004-0 | |
| DEVOTED GIVEBACK 005 TN | $0 | $6,700 | $605 | H7605-005-0 | |
| Zing Elite Select TN-MS | $0 | $3,900 | $0 | H4624-043-0 | |
| Zing Select Care TN-MS | $0 | $4,500 | $0 | H4624-044-0 |
What is the total number of HMO plans offered in Shelby?
There are 12 HMO plans in 2026, covering 23,148 enrollees.
How much do HMO plans cost in Shelby?
The average HMO premium in Shelby is $7.98 per month, with 9 plans offering $0 premiums.
What is the top HMO by enrollment in Shelby?
Humana Gold Plus H4461-025 (HMO) is the top HMO in Shelby, with 12,425 enrollees.
What is the number of HMO plans without Part D coverage in Shelby?
2 HMO plans in Shelby 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
- $10.35/mo
- Total HMO-POS Enrollment
- 9,262
- $0 Premium HMO-POS Plans
- 8
- Average MOOP
- $5,600
- Top HMO-POS by Enrollment
- AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) — 1,716 enrollees
- HMO-POS Plans Without Drug Coverage
- 2
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC TN-0003 | $0 | $5,400 | $440 | H5253-081-0 | |
| AARP Medicare Advantage from UHC TN-0004 | $19 | $3,800 | $340 | H5253-082-0 | |
| 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 | $5,200 | $200 | H5828-014-0 |
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Shelby cost $10.35 per month on average.
Which HMO-POS plan is most popular in Shelby?
The most popular HMO-POS plan in Shelby is AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS), with 1,716 enrollees.
How many HMO-POS plans in Shelby do not include drug coverage?
There are 2 HMO-POS plans in Shelby without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Shelby County, TN (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 23 | 52% |
| 3 Stars | 19 | 43% |
| Below 3 Stars | 2 | 5% |
| Not Rated | 0 | 0% |
| Average Rating | 3.66 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 2026
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.