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I talk to people in Tennessee every week who’ve spent hours researching Medicare online, and most of what they found doesn’t even apply to their county. Medicare Advantage plans are approved at the county level, so the only numbers that matter to you are the Moore County numbers. Here they are.
One client put it to me this way: “Retiring is not for the weak.” They weren’t talking about money. They were talking about the paperwork. The good news: the Medicare piece has an order to it, and once you see the order, the overwhelm drops fast.
Whether you’re in Lynchburg, Moore County, or anywhere else in Moore County, the numbers below are yours. Medicare sets plan availability county-wide.
Medicare Advantage in Moore County: the 2026 numbers
- 59 Medicare Advantage plans are approved in Moore County for 2026.
- 56 of them have a $0 monthly premium.
- 11 different insurance organizations offer plans here, including Humana, UnitedHealthcare, BlueCross BlueShield of Tennessee, Wellcare.
- the highest 2026 overall CMS Star Rating in the county is 5 out of 5, and 28 plans are rated 4 out of 5 or higher.
- in-network out-of-pocket maximums range from $2,975 to $9,250, and premiums run from $0 to $90.20 per month.
- of the county’s 1,515 Medicare beneficiaries (CMS, 2026-March), 40% chose Medicare Advantage, and the rest stayed on Original Medicare, most with a supplement and/or drug plan.
Source: CMS CY2026_Landscape_202607, plan year 2026, retrieved July 22, 2026.
That’s a lot of choices, and that’s exactly the problem. More options doesn’t mean an easier decision. It usually means more ways to pick a plan that looks fine on paper and surprises you at the pharmacy counter.
HMO or PPO? What Moore County actually offers
Of the 59 plans here, 38 are HMO-style and 21 are PPO-style. The difference matters more than most people realize. An HMO generally requires you to stay inside its network and often to get referrals. In exchange, costs are usually lower and more predictable. A PPO lets you see out-of-network doctors (at a higher cost), which matters if you split time between states, keep a specialist in another city, or just want the escape hatch.
Here is the question that actually decides it: if your cardiologist or your hospital dropped out of the network next year, how painful would that be? People with deep local roots and flexible doctor relationships often do fine in an HMO. People with established specialists or a snowbird schedule usually sleep better in a PPO.
How the plans here rate
CMS scores every Medicare Advantage plan on a 5-star scale using member complaints, care quality, and customer service. In Moore County, 28 of the 59 plans carry a 2026 overall Star Rating of 4 out of 5 or higher, and the highest rating available in the county is 5 out of 5. A strong rating is a good sign, but it can’t tell you whether your doctors are in a plan’s network or your prescriptions are on its formulary. That check is personal, and it’s the single most important step before enrolling.
To see how the plans in the county rate side by side, search the plans at your zip code, or bring us your doctor and prescription list and we’ll do the checking with you.
What “$0 premium” really means in Moore County
“So we paid out our nose.” That’s how one client described the year their coverage didn’t match their health. The number that protects you from that year is the out-of-pocket maximum, and here’s the local spread:
56 of the county’s 59 plans charge no monthly premium, and that’s the number the TV ads shout. Here’s the number they don’t: the maximum out-of-pocket. In Moore County it runs from $2,975 to $9,250 per year, with a median of $6,700. That’s the amount you could actually be responsible for in a bad health year, and the spread between plans is thousands of dollars.
Drug deductibles are just as uneven: others charge up to $615 before drug coverage kicks in. Same county, same $0 premium, very different first trip to the pharmacy in January.
The Part B Give-Back in Moore County
Here’s a benefit most people first hear about from a TV commercial and assume is a scam: some Medicare Advantage plans include a Part B premium reduction, lowering what you’re responsible for paying toward your Part B premium each month. It’s real. In Moore County, 19 plans include a reduction in 2026, and the largest available here is $184.70 per month. How it shows up depends on how you pay your premium, and processing can take a few months to start.
A larger reduction doesn’t automatically make a plan the better choice. Networks, drug coverage, and out-of-pocket limits differ plan to plan and can outweigh the monthly amount. Ask us which reductions apply to your situation, or see the plans at your zip code.
Who’s on Medicare in Moore County
1,515 people in Moore County are enrolled in Medicare as of CMS’s 2026 March Monthly Enrollment data; 601 of them (40%) chose a Medicare Advantage plan while 914 stayed on Original Medicare. That split matters: it tells you roughly how your neighbors weighed the same decision you’re making, though the right answer is personal, not popular.
159 county residents qualify for both Medicare and Medicaid. The county has 13 Dual-Eligible Special Needs Plans (D-SNPs) built specifically for that situation, often with benefits regular plans don’t include, and most people who qualify have no idea they exist.
Dental, vision, and hearing in Moore County plans
Original Medicare covers none of these, which surprises almost everyone. Among Moore County’s Medicare Advantage plans: 59 include dental benefits, 59 include vision, and 59 include hearing coverage. The fine print varies enormously: annual maximums, in-network dentist availability, and whether “dental” means cleanings only or actual crowns and dentures. If dental work is on your horizon, this comparison alone can be worth hundreds of dollars a year.
Stand-alone drug coverage (Part D) in Tennessee
If you stay on Original Medicare, with or without a supplement, you’ll want a stand-alone Part D drug plan. Tennessee has 12 PDPs for 2026. Premiums run from $0 to $129.50 per month (median $76.85), and 2 plans price at or below the regional benchmark, meaning people who qualify for Extra Help can get them for $0.
A pattern worth knowing: the cheapest Part D premiums usually pair with the highest deductibles. The only way to know which drug plan is actually cheapest for you is to price your exact prescription list against each plan. That’s precisely what we do on a consultation call, and it takes about ten minutes. Or run the comparison yourself at your zip code.
Extra Help with drug costs in Moore County
Extra Help is the federal program that cuts Part D costs for people with limited income and savings. For 2026, the limits are $23,940 a year in income and $18,090 in resources for a single person, or $32,460 and $36,100 for a married couple. If you qualify, a benchmark drug plan has a $0 premium, there’s no drug deductible, and covered drugs cost no more than $5.10 for a generic or $12.65 for a brand name.
In Moore County, 159 of the 1,515 people on Medicare (10%) also have Medicaid, per CMS enrollment data for March 2026. They get Extra Help automatically. People over the Medicaid line can still qualify for Extra Help on their own if they fall under the limits above.
If you’re close to those numbers, it’s worth a short call to check before you pick a drug plan.
When you can actually enroll
Availability means nothing if you miss your window. The three that matter for most people in Moore County:
- Initial Enrollment Period: the 7 months around your 65th birthday (3 before your birthday month, your birthday month, 3 after). Missing it can mean permanent late-enrollment penalties on Part B and Part D.
- Annual Enrollment Period (Oct 15 to Dec 7): when anyone can switch Medicare Advantage or Part D plans for the following year. This is when the plan numbers above get reshuffled, and when reviewing your plan against next year’s version actually pays.
- Still working past 65? If you have credible employer coverage, you may be able to delay Part B without penalty, but the rules are specific, and getting them wrong is one of the most expensive Medicare mistakes there is. This one is worth a conversation before your birthday, not after.
Disaster declarations and Medicare in Moore County
FEMA has issued 3 major disaster or emergency declarations covering Moore County since October 2024. That matters for Medicare because a declaration can open a Special Enrollment Period for people whose enrollment window got interrupted by the event.
- Severe winter storm (DR-4898, major disaster, declared Feb 6, 2026). Incident period: Jan 22, 2026 to Jan 27, 2026. Disaster SEP window: closed Mar 31, 2026.
- Severe winter storm (EM-3635, emergency, declared Jan 24, 2026). Incident period: Jan 22, 2026 to Jan 27, 2026. Disaster SEP window: closed Mar 31, 2026.
- Severe storms, straight-line winds, tornadoes, and flooding (EM-3625, emergency, declared Apr 2, 2025). Incident period: Apr 2, 2025 to Apr 24, 2025. Disaster SEP window: closed Jun 30, 2025.
Can a FEMA disaster declaration let me change my Medicare plan in Moore County, Tennessee?
Not from the FEMA declarations listed for Moore County. Their disaster Special Enrollment Period windows have closed. If you missed a change you meant to make, another window may still fit your situation; the fall Annual Enrollment Period is the one most people have.
How the window is set: under 42 CFR 422.62(b)(18) (Medicare Advantage) and 42 CFR 423.38(c)(23) (Part D), it starts on the declaration date or the incident start date, whichever comes first, and runs through the end of the second full calendar month after the incident period ends. With no end date set, it can run up to 14 full months. State and local declarations can set their own dates, and the plan decides each request, so confirm with the plan before you count on it.
Not sure whether this touches your situation? Book a quick call with Michael and we’ll check your dates together.
Source: OpenFEMA Disaster Declarations Summaries, retrieved Oct 10, 2026. Major disaster and emergency declarations only; fire management assistance declarations do not open this window.
Questions people actually ask me, in their own words
“Is drugs covered?” Only if your plan includes Part D coverage. 51 of 59 Medicare Advantage plans in Moore County do. If you go with Original Medicare plus a supplement, you’ll add a stand-alone drug plan.
“What is Part A and Part B, actually?” Part A is hospital coverage (usually $0 premium), Part B is medical/doctor coverage (standard premium applies). Everything else (Advantage plans, supplements, drug plans) builds on top of those two.
“Can I start earlier?” Your Initial Enrollment Period opens 3 months before your 65th birthday month. Starting the homework 6 months out is the sweet spot: enough time to compare without deadline pressure.
“I have trust issues.” Someone said that to me flat-out on a call once, and my answer was: good. You should. This industry earns skepticism. It’s why every number on this page comes from the official CMS plan file rather than my opinion, and why a consultation with me starts with your situation, not a pitch.
Quick answers for Moore County
Do all 59 plans include drug coverage? No. 51 of them do. If you pick one of the others, you generally cannot add a stand-alone drug plan on top of it, which surprises a lot of people.
Is the biggest carrier automatically the best here? No. Humana offers the most plans in Moore County, but plan count isn’t quality. The right plan depends on your doctors, your pharmacy, and your prescriptions, and it’s often not from the biggest name on the list.
Can I get help without being sold something? Yes. A consultation with me is a conversation, not a pitch. We look at your doctors, your prescriptions, and your timeline, and you leave knowing exactly where you stand. If a plan change doesn’t make sense for you, I’ll tell you that too.
Where can I get local Medicare help in Moore County? Right here. Guardian Health & Wealth works with Moore County residents by phone or video at (270) 721-5069, so you get local guidance without leaving home. Consultations are free, and there’s never an obligation.
The towns of Moore County
Everything on this page applies across the county, including Lynchburg, Moore County, because Medicare plan availability is set at the county level.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 42 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Your Moore County Medicare Snapshot, at no cost
I put the Moore County plan landscape into a one-page snapshot: what’s available, what it costs, and the deadlines that apply to your situation, in plain English, specific to where you live.
Prefer to just talk it through? Schedule a free Medicare enrollment consultation: a one-on-one call about your specific doctors, prescriptions, and timeline. Or if you’d rather learn first, the free workshop walks through the decisions in order.
Ready to see actual plans side by side? Search and compare the plans available at your zip code. You can review details and even enroll directly online.
Getting to know Moore County
Moore County covers about 129 square miles of Tennessee.
The county’s population centre is Lynchburg, Moore County. That works out to about 12 Medicare beneficiaries per square mile.
The CMS hospital registry lists no Medicare-registered hospital located within Moore County itself. Residents typically rely on hospitals in neighboring counties. That makes network coverage an even bigger part of the Medicare decision here: the plan you choose determines how those out-of-county hospitals and specialists are covered, so it’s worth checking a plan’s network against the facilities you’d actually use before enrolling.
Health context matters to plan choice, too. CDC county data shows about 15% of Moore County adults live with diabetes, 8% with coronary heart disease, and 10% with COPD. If you manage one of these conditions, it’s worth knowing the county has 6 Chronic-Condition Special Needs Plans, Medicare Advantage plans designed around specific conditions, with care coordination most standard plans don’t include. Whether one fits you is a network-and-medications question we can answer on a call.
The broader health picture from the same CDC dataset: 43% live with high blood pressure, 35% with arthritis, 29% with depression among Moore County adults. These aren’t just statistics. They map directly to what matters in a plan: tier placement of blood-pressure and antidepressant medications, physical-therapy coverage, and whether your specialists are in network.
For longer-term care, Medicare’s Care Compare registry lists 1 certified nursing home in the county: Lynchburg Nursing Center (Lynchburg, 5-star CMS rating). (Facility ratings are CMS’s own 5-star quality ratings, worth knowing about even if you hope never to need them, because Original Medicare and Advantage plans cover skilled nursing stays differently.)
A wider lens from CMS’s Geographic Variation data: Medicare spent about $11,071 per beneficiary in Moore County in 2024 (standardized, so it’s comparable across regions); local beneficiaries made about 494 emergency-room visits per 1,000 people; and 20% of hospital stays led to a readmission within 30 days. Numbers like these shape what care access and costs actually look like where you live, and they’re part of why the same national plan can perform differently county to county.
How Moore County compares to the rest of Tennessee
Averages hide the local picture, so here’s where Moore County actually sits against the other 94 counties in Tennessee: 40% of Moore County beneficiaries are in Medicare Advantage, well below the Tennessee median of 53%.
- Medicare spends $11,071 per beneficiary here, below the statewide median of $12,185.
- Emergency-room use runs below the state median (494 visits per 1,000 beneficiaries vs. 572).
- 10% qualify for both Medicare and Medicaid, well below the state median of 18%.
Numbers like these are the reason a plan that’s perfect one county over can be a poor fit in Moore County: the networks, the utilization, and the plan lineup are all local.
Medicare in the counties next to Moore County
Plan availability stops at the county line. Cross into a neighbouring county and the plan list, the premiums, and sometimes the carriers all change. If you’re helping a parent or comparing for a move, here are the counties bordering Moore:
- Medicare in Marshall County, about 13 miles away · 60 plans, 57 at $0
- Medicare in Grundy County, about 19 miles away · 63 plans, 59 at $0
- Medicare in Rutherford County, about 19 miles away · 68 plans, 63 at $0
- Medicare in Giles County, about 19 miles away · 64 plans, 60 at $0
- Medicare in Cannon County, about 20 miles away · 61 plans, 57 at $0
- Medicare in Warren County, about 21 miles away · 67 plans, 63 at $0
Or see the full Medicare in Tennessee guide for every county in the state.
Before you choose: the three questions that decide the rest
The plan counts above tell you what Moore County has on the shelf. They do not tell you which shelf you should be shopping from. These three guides answer that, in the order the decision actually gets made:
What clients say
Written and reviewed by Michael Smith, licensed insurance broker, founder of Guardian Health & Wealth (Bowling Green, KY), and author of 64+: Your Ultimate Guide to Medicare & Retirement Planning.
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 42 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Plan data: CMS Landscape file CY2026_Landscape_202607 and CMS 2026 Plan Benefit Package files, plan year 2026, retrieved July 22, 2026. Data last verified 2026-07-22. Figures are for Moore County, Tennessee and can change; always confirm details with the plan before enrolling. Star Ratings are the 2026 overall CMS ratings, measured on a 5-star scale.