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Medicare Advantage Plans in Shelby County, TN
Looking for Medicare Advantage plans in Shelby County? Enter your ZIP below to compare affordable monthly premium plans in your area.
Shelby County, TN, is home to 53 Medicare Advantage (Medicare Part C) plans in 2025.
Learn more about Medicare Advantage in Tennessee or call to speak with a licensed insurance agent who can help you compare Shelby County Medicare Advantage plans and – if you're eligible – help you enroll.
We offer plans from Humana, UnitedHealthcare®, Anthem Blue Cross and Blue Shield*, Aetna, Cigna Healthcare, Wellcare, or Kaiser Permanente.
Enrollment may be limited to certain times of the year. See why you may be able to enroll.
2025 Memphis Medicare Advantage Plans
The wide range of Memphis Medicare Advantage plans in 2025 includes plan types such as HMO, PPO and SNP plans.
2025 Medicare Advantage plans in Memphis – whatever plan type they are – combine your Medicare Part A (hospital insurance) and Part B (medical insurance) coverage into one simple plan. Medicare Advantage plans may also offer additional benefits Part A and B don't cover.
These additional benefits may include things like prescription drug coverage, dental, hearing, vision, transportation, fitness club memberships and more. Original Medicare (Part A and Part B) doesn't cover these additional benefits.
You can get help comparing Medicare Advantage plans in Memphis and all across Shelby County by calling to speak with a licensed insurance agent, or you can start by exploring the list of 2025 Memphis Medicare Advantage plans below.
2025 Medicare Advantage plans in Shelby County
| 2025 Medicare Advantage Plans in Shelby | |
|---|---|
| Number of unique plans | 53 |
| Average monthly premium | $12.99 |
| Average (in-network) out-of-pocket maximum | $6,108.49 |
| Average Medicare Star Rating* | 3.49 |
While the number of unique plans in any county can change slightly every year, the table above presents a good idea of what you can expect to see in 2025.
The average monthly premium for Medicare Advantage plans in Shelby is $12.99 per month in 2025, though there may be plans available where you live that feature different premiums.
Medicare Advantage plans in Shelby County have an average Medicare Star Rating of 3.49 in 2025.* Plans rated four stars or higher are considered top-rated Medicare plans.
Premiums, deductibles and other costs may vary. The numbers reported in the table above are taken from the Centers for Medicare & Medicaid Services (CMS). A licensed insurance agent will be able to help you review and compare costs for specific plans available in Tennessee or wherever you may live.
* Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system.
List of Medicare Advantage plans in Shelby County
The following table includes cost information and other plan details for Medicare Advantage plans available in Shelby in 2025.
| Plan Name | Plan Code | Monthly Premium | Deductible | Out of Pocket Max | Prescription Drug Coverage | Medicare Star Rating |
|---|---|---|---|---|---|---|
| AARP Medicare Advantage Access from UHC TN-7 (PPO) | H2001-086-000 | $247.00 | $570.00 | $3,000.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC TN-0002 (PPO) | H2001-094-000 | $0.00 | $255.00 | $5,900.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC TN-0003 (HMO-POS) | H5253-081-000 | $0.00 | $340.00 | $5,400.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage from UHC TN-0004 (HMO-POS) | H5253-082-000 | $39.00 | $340.00 | $3,800.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS) | H5253-121-000 | $0.00 | $495.00 | $6,300.00 | Yes | 4 out of 5 stars |
| AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS) | H5253-113-000 | $0.00 | N/A | $3,900.00 | No | 4 out of 5 stars |
| Aetna Medicare Eagle (PPO) | H5521-355-000 | $0.00 | N/A | $6,750.00 | No | 4.5 out of 5 stars |
| Aetna Medicare Primary (PPO) | H5521-502-000 | $0.00 | $0.00 | $6,750.00 | Yes | 4.5 out of 5 stars |
| Aetna Medicare Value Plus (HMO) | H3146-012-000 | $9.00 | $250.00 | $6,750.00 | Yes | 4 out of 5 stars |
| Aetna Medicare Value Plus (PPO) | H5521-501-000 | $11.00 | $250.00 | $6,750.00 | Yes | 4.5 out of 5 stars |
| Cigna Courage Medicare (HMO) | H4513-033-000 | $0.00 | N/A | $3,900.00 | No | 4.5 out of 5 stars |
| Cigna Preferred Medicare (HMO) | H4513-049-004 | $0.00 | $0.00 | $5,100.00 | Yes | 4.5 out of 5 stars |
| Cigna Preferred Savings Medicare (HMO) | H4513-068-002 | $0.00 | $0.00 | $6,200.00 | Yes | 4.5 out of 5 stars |
| Cigna Premier Medicare (HMO-POS) | H4513-036-000 | $51.00 | $0.00 | $6,150.00 | Yes | 4.5 out of 5 stars |
| Cigna Primary Medicare (HMO) | H4513-053-000 | $28.60 | $590.00 | $5,000.00 | Yes | 4.5 out of 5 stars |
| Cigna TotalCare Plus (HMO D-SNP) | H4513-034-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4.5 out of 5 stars |
| Devoted BE WELL PLUS Tennessee (HMO C-SNP) | H7605-006-000 | $24.90 | $590.00 | $6,200.00 | Yes | 4 out of 5 stars |
| Devoted CHOICE GIVEBACK Tennessee (PPO) | H9231-012-000 | $0.00 | $590.00 | $8,300.00 | Yes | Not enough data available |
| Devoted CHOICE Tennessee (PPO) | H9231-011-000 | $0.00 | $590.00 | $5,500.00 | Yes | Not enough data available |
| Devoted CORE Tennessee (HMO) | H7605-004-000 | $0.00 | $590.00 | $4,900.00 | Yes | 4 out of 5 stars |
| Devoted GIVEBACK Tennessee (HMO) | H7605-005-000 | $0.00 | $590.00 | $6,700.00 | Yes | 4 out of 5 stars |
| Humana Gold Plus - Diabetes and Heart (HMO C-SNP) | H4461-042-000 | $0.00 | $590.00 | $9,350.00 | Yes | 4.5 out of 5 stars |
| Humana Gold Plus H4461-025 (HMO) | H4461-025-000 | $0.00 | $450.00 | $4,900.00 | Yes | 4.5 out of 5 stars |
| Humana Gold Plus SNP-DE H4461-038 (HMO D-SNP) | H4461-038-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4.5 out of 5 stars |
| Humana USAA Honor Giveback (HMO) | H4461-004-000 | $0.00 | N/A | $3,200.00 | No | 4.5 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | H5216-235-000 | $0.00 | N/A | $3,400.00 | No | 3.5 out of 5 stars |
| Humana Value Plus H5216-180 (PPO) | H5216-180-000 | $30.90 | $590.00 | $4,900.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice H5216-097 (PPO) | H5216-097-000 | $55.00 | $590.00 | $8,850.00 | Yes | 3.5 out of 5 stars |
| HumanaChoice R0110-017 (Regional PPO) | R0110-017-000 | $0.00 | N/A | $4,850.00 | No | 3.5 out of 5 stars |
| HumanaChoice R0110-018 (Regional PPO) | R0110-018-000 | $86.00 | $590.00 | $6,700.00 | Yes | 3.5 out of 5 stars |
| UHC Complete Care Support TC-6 (HMO-POS C-SNP) | H5253-194-001 | $40.00 | $590.00 | $6,700.00 | Yes | 4 out of 5 stars |
| UHC Complete Care TC-0005 (HMO-POS C-SNP) | H5253-193-001 | $0.00 | $255.00 | $6,700.00 | Yes | 4 out of 5 stars |
| UHC Dual Complete TN-S001 (HMO-POS D-SNP) | H0251-002-000 | $0.00 | $0.00 | $9,350.00 | Yes | 4 out of 5 stars |
| Wellcare Assist (HMO-POS) | H1416-083-000 | $26.70 | $590.00 | $4,900.00 | Yes | 3.5 out of 5 stars |
| Wellcare Assist (HMO-POS) | H1416-042-000 | $30.20 | $520.00 | $4,900.00 | Yes | 3.5 out of 5 stars |
| Wellcare Dual Access (HMO-POS D-SNP) | H1416-035-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Wellcare Giveback (HMO-POS) | H1416-079-000 | $0.00 | $420.00 | $6,700.00 | Yes | 3.5 out of 5 stars |
| Wellcare Patriot Giveback (HMO-POS) | H1416-061-000 | $0.00 | N/A | $5,000.00 | No | 3.5 out of 5 stars |
| Wellcare Simple (HMO-POS) | H1416-077-000 | $0.00 | $420.00 | $3,800.00 | Yes | 3.5 out of 5 stars |
| Wellpoint Extra Help (HMO-POS) | H5828-008-000 | $9.10 | $590.00 | $4,900.00 | Yes | 3 out of 5 stars |
| Wellpoint Full Dual Advantage (HMO D-SNP) | H5828-002-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3 out of 5 stars |
| Wellpoint Full Dual Advantage Support (HMO D-SNP) | H5828-001-000 | $0.00 | $0.00 | $9,350.00 | Yes | 3 out of 5 stars |
| Wellpoint Medicare Advantage (HMO-POS) | H5828-013-000 | $0.00 | $0.00 | $6,750.00 | Yes | 3 out of 5 stars |
| Wellpoint Medicare Advantage 2 (HMO-POS) | H5828-014-000 | $0.00 | $0.00 | $4,150.00 | Yes | 3 out of 5 stars |
| Zing Choice Diabetes & Heart Complete TN (PPO C-SNP) | H6876-008-000 | $0.00 | $590.00 | $9,350.00 | Yes | Plan too new to be measured |
| Zing Elite Diabetes & Heart TN-MS (HMO C-SNP) | H4624-039-000 | $0.00 | $0.00 | $4,500.00 | Yes | 3.5 out of 5 stars |
| Zing Elite Select TN-MS (HMO) | H4624-043-000 | $0.00 | $0.00 | $3,900.00 | Yes | 3.5 out of 5 stars |
| Zing ESRD Select TN-MS (HMO C-SNP) | H4624-042-000 | $0.00 | $0.00 | $4,950.00 | Yes | 3.5 out of 5 stars |
| Zing Open Choice Diabetes & Heart TN (PPO C-SNP) | H6876-007-000 | $0.00 | $0.00 | $6,350.00 | Yes | Plan too new to be measured |
| Zing Open Choice TN (PPO) | H6876-009-000 | $0.00 | $0.00 | $6,350.00 | Yes | Plan too new to be measured |
| Zing Select Care TN-MS (HMO) | H4624-044-000 | $0.00 | $0.00 | $4,500.00 | Yes | 3.5 out of 5 stars |
| Zing Select Diabetes & Heart Complete TN-MS (HMO C-SNP) | H4624-041-000 | $0.00 | $590.00 | $9,350.00 | Yes | 3.5 out of 5 stars |
| Zing Select Diabetes & Heart TN-MS (HMO C-SNP) | H4624-040-000 | $0.00 | $0.00 | $4,500.00 | Yes | 3.5 out of 5 stars |
List of prescription drug plans in Shelby County
The following table includes cost information and other plan details for prescription drug plans available in Shelby in 2025.
| Plan Name | Plan Code | Monthly Premium | Deductible | Preferred Pharmacies | Accepts Mail Order | Medicare Star Rating |
|---|---|---|---|---|---|---|
| AARP Medicare Rx Preferred from UHC (PDP) | S5921-393-000 | $94.60 | $0.00 | Yes | Yes | 2.5 out of 5 stars |
| AARP Medicare Rx Saver from UHC (PDP) | S5921-357-000 | $54.60 | $590.00 | Yes | Yes | 2.5 out of 5 stars |
| Cigna Healthcare Assurance Rx (PDP) | S5617-220-000 | $78.10 | $590.00 | Yes | Yes | 2.5 out of 5 stars |
| Cigna Healthcare Extra Rx (PDP) | S5617-257-000 | $113.20 | $175.00 | Yes | Yes | 2.5 out of 5 stars |
| Cigna Healthcare Saver Rx (PDP) | S5617-362-000 | $27.50 | $590.00 | Yes | Yes | 2.5 out of 5 stars |
| Humana Basic Rx Plan (PDP) | S5884-106-000 | $15.50 | $590.00 | Yes | Yes | Plan too new to be measured |
| Humana Premier Rx Plan (PDP) | S5884-158-000 | $120.90 | $0.00 | Yes | Yes | 3.5 out of 5 stars |
| Humana Value Rx Plan (PDP) | S5884-191-000 | $43.40 | $573.00 | Yes | Yes | 3.5 out of 5 stars |
| SilverScript Choice (PDP) | S5601-024-000 | $47.30 | $590.00 | No | Yes | 2.5 out of 5 stars |
Fall Medicare open enrollment in Memphis
Fall Medicare open enrollment is an important time of year for Memphis Medicare beneficiaries. The 2024 Medicare open enrollment period lasts from October 15 until December 7.
Depending on your circumstances, this may be the only time of year to make changes to your 2025 Medicare coverage.
Call to speak with a licensed insurance agent to find out if you're eligible to enroll in 2025 Medicare Advantage plans in Memphis.