Medicare Advantage

Spring Hill, TN Medicare options for 2027

Spring Hill, Tenn. — If you're turning 65 in Spring Hill, or already on Medicare and reviewing your coverage for 2027, here's the most recent headline number: 58 Medicare Advantage plans were available to residents of Maury County for 2026, according to the CMS 2026 Medicare Advantage and Part D Landscape files. The 2027 lineup is spelled out in each plan's Annual Notice of Change and on Medicare.gov's Plan Finder.

That's a lot to sort through. This guide walks through how to read those numbers and where to go for help — without pointing you toward any one plan.

What the 58 number actually means

Medicare plan availability is set at the county level, not the city level. Spring Hill sits in Maury County (with a small slice in Williamson County), and in Maury County there were 58 Medicare Advantage plans on the shelf for 2026, from 9 different carriers offering Medicare Advantage with prescription drug coverage (MA-PD). The 2027 counts are in each plan's ANOC and on Medicare.gov's Plan Finder.

A few things worth knowing:

• Not every plan is a fit for every person. Provider networks, drug lists, and service areas vary.
• The 58 figure counts distinct plan options, not carriers. Nine companies competing for your business is a healthy amount of choice.
• Tennessee has 12 stand-alone Part D plans for 2026, sold statewide. If you have Original Medicare and want drug coverage, ask 1-800-MEDICARE or your SHIP counselor to confirm what's available in your ZIP code before you decide.

Original Medicare vs. Medicare Advantage: the first fork in the road

Before you compare 58 plans against each other, decide which lane you're in:

• Original Medicare (Parts A and B) is the federal program. You can add a stand-alone Part D drug plan and, if you want, a Medigap (Medicare Supplement) policy to help with out-of-pocket costs.
• Medicare Advantage (Part C) is offered by private insurers approved by Medicare. It bundles Part A, Part B, and usually Part D into one plan, often with extra features.

Neither lane is universally "better." The right pick depends on your doctors, your prescriptions, your budget, and how you like to get care.

Part D figures to know for 2027

These figures come straight from Medicare and apply nationwide:

• $2,400 — the annual out-of-pocket cap on Part D prescription drug spending in 2027 (it is $2,100 in 2026). Once you hit it, you pay nothing for covered drugs the rest of the year.
• $700 — the maximum Part D deductible a plan can charge in 2027 (it is $615 in 2026).
• Coverage gap ("donut hole") is gone. Since 2025, Part D has three phases instead of four.
• Medicare Prescription Payment Plan — an optional program that lets you spread your drug costs across the calendar year in monthly installments instead of paying big amounts at the pharmacy counter.
• IRMAA — higher-income surcharges on Part B and Part D premiums start above $109,000 in income for a single filer in 2026.

Dates to circle for 2027 coverage

• October 15 – December 7: Annual Enrollment Period (AEP). This is when most people compare and switch plans.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you get one more chance to switch to another MA plan or drop back to Original Medicare.

Miss these windows and you may be locked in until next fall, unless you qualify for a Special Enrollment Period.

How to narrow 58 plans down to one

You don't have to read 58 brochures. Try this approach:

1. Make a list of your doctors and your prescriptions (name, dose, and how often). 2. Go to medicare.gov/plan-compare. Enter your ZIP code and drugs. The tool will show which plans cover your medications and which include your doctors. 3. Look past the premium. Deductibles, copays, and out-of-pocket maximums matter just as much. 4. Check the Star Ratings. CMS rates plans from 1 to 5 stars on quality and service. Ratings shift each year, so check the current numbers rather than relying on reputation. 5. Call in help. Tennessee's SHIP program (called TN SHIP) offers free, unbiased counseling to Medicare beneficiaries. They don't sell plans.

A quick note on Spring Hill's Medicare population

Roughly 18,447 people age 65 and older live in Maury County. That's a sizable community navigating the same questions you are — and it's why local resources like SHIP counselors and the Maury County office on aging can be worth a phone call.