Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Humana Total Complete, 2027

H4461Contract043Plan

HMO · 19 counties in Tennessee

Run by Cariten Health Plan Inc. (contract H4461), sold as Humana, owned by Humana Inc.

Renews for 2027

2026 star rating, contract H4461: 4 of 5

Humana Total Complete (H4461-043) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $5,390 to $9,150 depending on the county ($5,100 to $9,150 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it. The plan files its benefits in parts for different counties, so lines marked ◆ show the most generous part of its area and some counties get less: the plan's Evidence of Coverage gives your county's amounts.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit, by county	$5,100 to $9,150	$5,390 to $9,150	no change
Drug deductible	$615	$700	up $85
Part B premium reduction, monthly (best in its area)	$1	none	dropped
Specialist visit (best in its area)	$15 copay	$20 copay	up $5
Emergency room (best in its area)	$115 copay	$130 copay	up $15
Hospital stay, in network (best in its area)	$285 a day for days 1–6, then $0 a day for days 7–90	$305 a day for days 1–6, then $0 a day for days 7–90	up $100for a 5-day stay
Skilled nursing facility, in network (best in its area)	$0 a day for days 1–20, then $218 a day for days 21–100	$0 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network (best in its area)	$335 copay	$325 copay	down $10
Eyewear, yearly limit (best in its area)	$400 a year	$350 a year	down $50
Drug tier 3, preferred brand	$47	17% of the cost	changed
Drug tier 4, non-preferred drug	41% of the cost	38% of the cost	down 3 points
10 lines do not change
Monthly premium	$0	$0	no change
Primary care visit (best in its area)	$0 copay	$0 copay	no change
Medical deductible, in network (best in its area)	none	none	no change
Comprehensive dental, yearly limit (best in its area)	not offered	not offered	no change
Hearing aids, yearly limit for both ears (best in its area)	not offered	not offered	no change
Over-the-counter items, yearly (best in its area)	not offered	not offered	no change
Counties served	19	19	no change
Drug tier 1, preferred generic	$0	$0	no change
Drug tier 2, generic	$5	$5	no change
Drug tier 5, specialty tier	25% of the cost	25% of the cost	no change

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$5	$5
Tier 3	Preferred Brand	$47	17% of the cost
Tier 4	Non-Preferred Drug	41% of the cost	38% of the cost
Tier 5	Specialty Tier	25% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 56 plans open to everyone are sold for 2027, this one included. Against the others, 15 plans have a lower out-of-pocket limit, 40 a higher one. On the premium, 36 the same, 19 a higher one.

Its limit differs by county ($5,390 to $9,150); the chart marks its lowest.

Out-of-pocket limits of the 56 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0004 plans

$4,000 to under $6,000 (this plan)20 plans

$6,000 to under $8,00021 plans

$8,000 to $10,00011 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

19 counties, grouped by what the plan costs there
Monthly premium	Out-of-pocket limit	Where
$0	$5,390	Cannon (TN), DeKalb (TN), Giles (TN), Henry (TN), Maury (TN), Rutherford (TN), Warren (TN), White (TN), Williamson (TN), Wilson (TN)
$0	$9,150	Cheatham (TN), Coffee (TN), Davidson (TN), Dickson (TN), Hickman (TN), Marshall (TN), Montgomery (TN), Robertson (TN), Sumner (TN)

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H4461-043
Legal name of the contract: Cariten Health Plan Inc.
Sold as: Humana
Parent company: Humana Inc.
Plan type: HMO
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 3 of 5
Members, September 2026: 9,633
Plan website, as filed with CMS: www.humana.com/medicare

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Davidson, TNWhere most of its members live; premiums and limits side by side
Every Humana plan for 2027Its contracts, counties and plans that end
The other 48 plans of contract H4461Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.