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

BlueAdvantage Ruby, 2027

H7917Contract012Plan

PPO · 21 counties in Tennessee

Run by BlueCross BlueShield of Tennessee, Inc. (contract H7917), sold as BlueCross BlueShield of Tennessee, owned by BlueCross BlueShield of Tennessee

Renews for 2027

2026 star rating, contract H7917: 4 of 5

BlueAdvantage Ruby (H7917-012) costs $95 a month in 2027, up $6 from 2026, with an in-network out-of-pocket limit of $4,450 ($3,850 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.
What you pay or get	2026	2027	Change
Monthly premium	$89	$95	up $6
In-network out-of-pocket limit	$3,850	$4,450	up $600
Drug deductible	$250	$700	up $450
Specialist visit	$25 copay	$39 copay	up $14
Hospital stay, in network	$210 a day for days 1–5, then $0 a day for days 6–90	$295 a day for days 1–7, then $0 a day for days 8–90	up $425for a 5-day stay
Skilled nursing facility, in network	$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	$175 copay	$200 copay	up $25
Over-the-counter items, yearly	$220 a year	$180 a year	down $40
Drug tier 3, preferred brand	$33	17% of the cost	changed
Drug tier 4, non-preferred drug	50% of the cost	40% of the cost	down 10 points
Drug tier 5, specialty tier	30% of the cost	25% of the cost	down 5 points
10 lines do not change
Part B premium reduction, monthly	none	none	no change
Primary care visit	$0 copay	$0 copay	no change
Emergency room	$150 copay	$150 copay	no change
Medical deductible, in network	none	none	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$150 a year	$150 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Counties served	21	21	no change
Drug tier 1, preferred generic	$6	$6	no change
Drug tier 2, generic	$10	$10	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. The plan charges less at its preferred pharmacies
Tier	What the tier holds	2026, standard pharmacy	2027, standard pharmacy	2027, preferred pharmacy
Tier 1	Preferred Generic	$6	$6	$0
Tier 2	Generic	$10	$10	$5
Tier 3	Preferred Brand	$33	17% of the cost	17% of the cost
Tier 4	Non-Preferred Drug	50% of the cost	40% of the cost	40% of the cost
Tier 5	Specialty Tier	30% of the cost	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, 45 plans open to everyone are sold for 2027, this one included. Against the others, 3 plans have a lower out-of-pocket limit, 4 the same, 37 a higher one. On the premium, 42 plans have a lower premium, 2 a higher one.

Out-of-pocket limits of the 45 plans open to everyone

$0 to under $2,0000 plans

$2,000 to under $4,0003 plans

$4,000 to under $6,000 (this plan)16 plans

$6,000 to under $8,00017 plans

$8,000 to $10,0009 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?

The premium and the out-of-pocket limit are the same in all 21 counties: $95 a month and $4,450.

Tennessee

Benton Carroll Chester Crockett Decatur Dyer Fayette Gibson Hardeman Hardin Haywood Henderson Henry Lake Lauderdale Madison McNairy Obion Shelby Tipton Weakley

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: H7917-012
Legal name of the contract: BlueCross BlueShield of Tennessee, Inc.
Sold as: BlueCross BlueShield of Tennessee
Parent company: BlueCross BlueShield of Tennessee
Plan type: PPO
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 4 of 5
Members, September 2026: 754
Plan website, as filed with CMS: medicare.bcbst.com

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 Shelby, TNWhere most of its members live; premiums and limits side by side
Every BlueCross BlueShield of Tennessee plan for 2027Its contracts, counties and plans that end
The other 19 plans of contract H7917Same 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.