Company vs company · Cannon County, TN · 2027 plan year
BlueCross BlueShield of Tennessee vs Humana Medicare Advantage plans
Medicare.gov compares Medicare Advantage plans with each other. This page also shows Original Medicare, so you can see the full trade-off: premiums, copays, the yearly limit, extra benefits, and the rules about doctors and approvals.
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In most states, including Tennessee, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Tennessee can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYour yearly cost, side by side
Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.
Want to check your exact drugs? Medicare.gov lets you enter each drug and shows what each plan charges for it. Enter your drugs on Medicare.gov
We have no Medigap Plan G price for a 65-year-old woman in Cannon County. Enter the monthly price from your quote, or check Medigap prices for ZIP 37190 on Medicare.gov.
Original Medicare
We have no Medigap Plan G price for a 65-year-old woman here, so we cannot show this total yet. Enter your quote above to see it. Check Medigap prices on Medicare.gov
BlueAdvantage Extra (PPO)
PPO from BlueCross BlueShield of Tennessee
$3,795 a year
- Premiums
- $2,670
- Medical costs
- $1,125
- Drugs
- $0
Most you can pay in a bad year, before drugs: $9,820.
Humana Value Plus H5216-180 (PPO)
PPO from Humana
$3,718 a year
- Premiums
- $2,678
- Medical costs
- $1,040
- Drugs
- $0
Most you can pay in a bad year, before drugs: $8,078.
With these settings, Humana Value Plus H5216-180 (PPO) costs about $77 less a year than BlueAdvantage Extra (PPO).
These are estimates, not quotes. Check every number with Medicare (Medicare.gov or 1-800-MEDICARE) and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Drug costs use typical prices for generic and brand-name drugs. Original Medicare amounts are 2027 projections from the 2026 Medicare Trustees Report. CMS sets the final amounts in November.
Text us about this comparisonWhat you pay each time you get care
In-network costs for one visit or one stay. The Original Medicare amounts follow your Medigap choice above: Plan G.
Primary doctor visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
BlueAdvantage Sapphire (PPO)
$0 copay
BlueAdvantage Ruby (PPO)
$0 copay
Humana USAA Honor Giveback (HMO)
$0
Humana Total Complete (HMO)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
BlueAdvantage Sapphire (PPO)
$39
BlueAdvantage Ruby (PPO)
$39
Humana USAA Honor Giveback (HMO)
$25
Prior authorizationHumana Total Complete (HMO)
$20
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
BlueAdvantage Sapphire (PPO)
$0-$40 or 20%
Prior authorizationBlueAdvantage Ruby (PPO)
$0-$40 or 20%
Prior authorizationHumana USAA Honor Giveback (HMO)
$0
Prior authorizationHumana Total Complete (HMO)
$0
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
BlueAdvantage Sapphire (PPO)
$250
Prior authorizationBlueAdvantage Ruby (PPO)
$200
Prior authorizationHumana USAA Honor Giveback (HMO)
$0-$345
Prior authorizationHumana Total Complete (HMO)
$0-$345
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
BlueAdvantage Sapphire (PPO)
$130
BlueAdvantage Ruby (PPO)
$150
Humana USAA Honor Giveback (HMO)
$150
Humana Total Complete (HMO)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
BlueAdvantage Sapphire (PPO)
$50
BlueAdvantage Ruby (PPO)
$25
Humana USAA Honor Giveback (HMO)
$65
Humana Total Complete (HMO)
$50
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
BlueAdvantage Sapphire (PPO)
$250
Prior authorizationBlueAdvantage Ruby (PPO)
$225
Prior authorizationHumana USAA Honor Giveback (HMO)
$0-$75
Prior authorizationHumana Total Complete (HMO)
$0-$175
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
BlueAdvantage Sapphire (PPO)
$325
Prior authorizationBlueAdvantage Ruby (PPO)
$200
Prior authorizationHumana USAA Honor Giveback (HMO)
$325
Prior authorizationHumana Total Complete (HMO)
$325
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
BlueAdvantage Sapphire (PPO)
$1,750
for a 5-day stay
Prior authorizationBlueAdvantage Ruby (PPO)
$1,475
for a 5-day stay
Prior authorizationHumana USAA Honor Giveback (HMO)
$875
for a 5-day stay
Prior authorizationHumana Total Complete (HMO)
$1,525
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | BlueAdvantage Sapphire (PPO) | BlueAdvantage Ruby (PPO) | Humana USAA Honor Giveback (HMO) | Humana Total Complete (HMO) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $5.30 | $0 + Part B $209.50 | $98 + Part B $209.50 | $0 (pays back $160 a month of your Part B premium) + Part B $209.50 | $0 + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $5,900 in network; $10,750 in and out of network | $4,450 in network; $6,700 in and out of network | $3,750 in network | $5,390 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $0 | $0 | $0 |
| Primary doctor visit | $0, after the $292 yearly Part B deductible | $0 copay | $0 copay | $0 copay | $0 copay |
| Specialist visit | $0, after the $292 yearly Part B deductible | $39 copay | $39 copay | $25 copayPrior authorization | $20 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0-$40 copay, 20% coinsurancePrior authorization | $0-$40 copay, 20% coinsurancePrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $250 copayPrior authorization | $200 copayPrior authorization | $0-$345 copayPrior authorization | $0-$345 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $0-$50 copayPrior authorization | $0-$50 copayPrior authorization | $0-$145 copayPrior authorization | $0-$145 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay | $150 copay | $150 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $50 copay | $25 copay | $65 copay | $50 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $375 copayPrior authorization | $325 copayPrior authorization | $0-$175 copayPrior authorization | $0-$250 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $250 copayPrior authorization | $225 copayPrior authorization | $0-$75 copayPrior authorization | $0-$175 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $325 copayPrior authorization | $200 copayPrior authorization | $325 copayPrior authorization | $325 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $350 per day for days 1-5; $0 per day for days 6-90Prior authorization | $295 per day for days 1-5; $0 per day for days 6-90Prior authorization | $175 per day for days 1-5; $0 per day for days 6-90Prior authorization | $305 per day for days 1-6; $0 per day for days 7-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization |
| Mental health visit | $0, after the $292 yearly Part B deductible | $30 copayPrior authorization | $30 copayPrior authorization | $0 copayPrior authorization | $35 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $25 copayPrior authorization | $25 copayPrior authorization | $25 copayPrior authorization | $25 copayPrior authorization |
| Home health care | $0, Medicare-covered home health | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Medical equipment | $0, after the $292 yearly Part B deductible | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | $700 | $700 | No drug coverage | $700 |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 50% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $10 copayPreferred Brand: 19% coinsuranceNon-Preferred Drug: 40% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 18% coinsuranceNon-Preferred Drug: 40% coinsuranceSpecialty Tier: 25% coinsurance | No drug coverage | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 38% coinsuranceSpecialty Tier: 25% coinsurance |
Not sure which of these costs apply to you?
Text us what you have now. We will help you read this comparison and check it with Medicare.gov.
A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In Tennessee, 11 drug plans are for sale for 2027, from $5.30 to $204.60 a month. Half of them cost $110.40 a month or less.
- Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
- The premium is one part of your yearly cost. The calculator above adds premiums, medical costs, and drug costs, so you can see the whole year.
- A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules, and you may not be able to get Medigap later.
- If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov
The two companies in Cannon County
BlueCross BlueShield of Tennessee
- 5 plans for 2027 (not counting special needs plans)
- 2 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $4,450 to $7,150
- Star ratings 3.5 to 3.5
- BlueAdvantage Sapphire (PPO) · $0 a month · limit $5,900
- BlueAdvantage Ruby (PPO) · $98 a month · limit $4,450
- BlueAdvantage Diamond (PPO) · $149 a month · limit $4,450
- BlueAdvantage Extra (PPO) · $13 a month · limit $7,150
- BlueAdvantage Freedom (PPO) · $0 a month · limit $4,450
Humana
- 9 plans for 2027 (not counting special needs plans)
- 5 with a $0 premium; 3 pay back part of your Part B premium
- Yearly limits from $3,400 to $9,850
- Star ratings 3.5 to 4.5
- Humana USAA Honor Giveback (HMO) · $0 a month · limit $3,750
- Humana Total Complete (HMO) · $0 a month · limit $5,390
- Humana Value Plus H5216-180 (PPO) · $13.70 a month · limit $5,400
- Humana Value Plus H7617-088 (PPO) · $13.70 a month · limit $5,400
- Humana Essentials Plus Giveback (HMO) · $0 a month · limit $9,850
- Humana USAA Honor Giveback (PPO) · $0 a month · limit $3,400
- HumanaChoice H5216-097 (PPO) · $85 a month · limit $9,100
- HumanaChoice R0110-018 (Regional PPO) · $124 a month · limit $7,000
- HumanaChoice R0110-017 (Regional PPO) · $0 a month · limit $4,650
Doctors, referrals, and prior authorization
Cost is one side. The other side is how you get care. These rules come from the CMS plan files. Prior authorization means the plan must approve a service before you get it.
Original Medicare
- Any doctor or hospital in the U.S. that takes Medicare
- No referrals
- Prior authorization only for a short list of services
BlueAdvantage Sapphire (PPO)
PPO
- The plan has a network. You can go outside it, but you pay more.
- No referral needed to see a specialist.
Prior authorization for 22 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
BlueAdvantage Ruby (PPO)
PPO
- The plan has a network. You can go outside it, but you pay more.
- No referral needed to see a specialist.
Prior authorization for 22 services
Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Humana USAA Honor Giveback (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- No referral needed to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Humana Total Complete (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- No referral needed to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | BlueAdvantage Sapphire (PPO) | BlueAdvantage Ruby (PPO) | Humana USAA Honor Giveback (HMO) | Humana Total Complete (HMO) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $2,250 a year | Comprehensive, up to $2,750 a year | Comprehensive, up to $4,000 a year | Comprehensive, up to $3,000 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $300 allowance | Yes, $300 allowance | Yes, $150 allowance | Yes, $350 allowance |
| Hearing aids | No | Yes, copays from $399 | Yes, copays from $199 | Yes, copays from $399 | Yes, copays from $575 |
| Over-the-counter allowance | No | No | $180 a year | No | No |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | No | No | No | No |
| Meals after a hospital stay | No | Yes | Yes | Yes | Yes |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes | Yes | Yes | Yes |
| Part B premium giveback | No | No | No | $160 a month | No |
What changed for 2027
BlueAdvantage Sapphire (PPO)
Renewal Plan with SAR · 2026 plan H7917-030-0
- In-network out-of-pocket maximum up from $4,200 to $5,900
- Drug deductible up from $250 to $700
- Specialist visit: $30 copay to $39 copay
- Emergency care: $150 copay to $130 copay
- Urgent care: $25 copay to $50 copay
- Diagnostic radiology (MRI, CT): $225 copay to $250 copay
- Outpatient hospital: $285 copay to $375 copay
- Ground ambulance: $295 copay to $325 copay
- Inpatient hospital: $295 per day for days 1-5; $0 per day for days 6-90 to $350 per day for days 1-5; $0 per day for days 6-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- OTC allowance removed
- Overall star rating down from 4 to 3.5
BlueAdvantage Ruby (PPO)
Renewal Plan · 2026 plan H7917-014-0
- Monthly premium up from $92 to $98
- In-network out-of-pocket maximum up from $3,850 to $4,450
- Drug deductible up from $250 to $700
- Specialist visit: $25 copay to $39 copay
- Outpatient hospital: $260 copay to $325 copay
- Ground ambulance: $175 copay to $200 copay
- Inpatient hospital: $215 per day for days 1-5; $0 per day for days 6-90 to $295 per day for days 1-5; $0 per day for days 6-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Dental maximum up from $2,250 to $2,750
- Yearly OTC allowance down from $244 to $180
- Overall star rating down from 4 to 3.5
Humana USAA Honor Giveback (HMO)
Renewal Plan · 2026 plan H4461-004-0
- Part B giveback up from $150 to $160
- Emergency care: $115 copay to $150 copay
- Diagnostic radiology (MRI, CT): $0-$335 copay to $0-$345 copay
- Outpatient hospital: $0-$250 copay to $0-$175 copay
- Ground ambulance: $335 copay to $325 copay
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Overall star rating up from 4 to 4.5
Humana Total Complete (HMO)
Renewal Plan · 2026 plan H4461-043-1
- In-network out-of-pocket maximum up from $5,100 to $5,390
- Drug deductible up from $615 to $700
- Part B giveback down from $1 to $0
- Specialist visit: $15 copay to $20 copay
- Emergency care: $115 copay to $130 copay
- Urgent care: $40 copay to $50 copay
- Diagnostic radiology (MRI, CT): $0-$335 copay to $0-$345 copay
- Ground ambulance: $335 copay to $325 copay
- Inpatient hospital: $285 per day for days 1-6; $0 per day for days 7-90 to $305 per day for days 1-6; $0 per day for days 7-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Eyewear allowance down from $400 to $350
- Overall star rating up from 4 to 4.5
More 2027 plans in Cannon County
- HealthSpring Preferred (HMO), H4513-049 (page for Cumberland County, TN)
- AARP Medicare Advantage Giveback from UHC TC-4 (HMO-POS), H5253-121 (page for Shelby County, TN)
- AARP Medicare Advantage Patriot No Rx TC-MA01 (HMO-POS), H5253-113 (page for Shelby County, TN)
- Wellpoint Medicare Advantage (HMO-POS), H5828-013 (page for Shelby County, TN)
- Wellpoint Extra Help (HMO-POS), H5828-008 (page for Shelby County, TN)
- HealthSpring Premier (HMO-POS), H4513-036 (page for Shelby County, TN)
- Aetna Medicare Value Plus (HMO), H3146-012 (page for Shelby County, TN)
- Aetna Medicare Signature Extra (PPO), H5521-501 (page for Shelby County, TN)
County guide: 2027 plans in Cannon CountyState guide: Tennessee
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. We checked a sample of plans field by field against Medicare.gov. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Cannon County, TN. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 37190 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- BlueAdvantage Sapphire (PPO) on Medicare.gov · plan website · drug list · doctor directory
- BlueAdvantage Ruby (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Humana USAA Honor Giveback (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Humana Total Complete (HMO) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 37190 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.