Medicare Advantage plans in Alabama are a good way to fill in the gaps in coverage with Original Medicare. They are also great for those on a limited budget, or those who have a rainy day fund.

How Medicare Advantage Plans Work in Alabama

Even though you’ll be replacing your Medicare coverage with a private form of insurance, these policies are still heavily regulated by the federal government.

Most providers also throw in additional benefits, like vision or dental, to attract customers. It is fairly common for Medicare Advantage plans to come with a prescription drug policy also. These are called MAPD plans.

In 2022, there are up to 37 plans available in Alabama in some counties. The amount of plans available to you is dependent on your zip code.

Advantage plans are based on a five-star review system. Depending on how effective a plan is, it will receive up to a maximum of five stars.

Medicare Advantage Plans Offered in Alabama

Below, we’ll list out Alabama Medicare Advantage plans that have a zero dollar premium, some that have a zero dollar drug deductible, a few with a 5-star rating, and a couple that includes a Part B reduction.

Plans with a Zero Dollar Premium

The most important thing to remember is the plans with a zero-dollar premium will come with higher out-of-pocket costs as you use the benefits.

PlanPremiumMOOPDrug DeductibleStar Ratings
AARP Medicare Advantage Choice (PPO)$0$5,900$04
Humana Gold Plus H5619-088 (HMO)$0$6,300$04
Aetna Medicare Freedom Plan (PPO)$0$6,400$1504
Cigna Preferred AL Medicare (HMO)$0$6,500$1954
HumanaChoice H5216-269 (PPO)$0$6,700$1504

Plans with a Zero Dollar Drug Deductible

There are a few options that have both a zero-dollar premium & a zero-dollar deductible. As you can see in the chart, Cigna offers a plan with a monthly premium of $30, but it has the lowest MOOP.

PlanPremiumMOOPDrug DeductibleStar Ratings
AARP Medicare Advantage Plan 3 (HMO)$0$5,000$04
Cigna Preferred Medicare (HMO)$0$5,000$04
Cigna True Choice Medicare (PPO)$0$5,100$03
Cigna Preferred Plus Medicare (HMO)$30$4,500$04
VIVA Medicare Prime (HMO)$55$5,400$05

Plans with a 5-Star Rating

If a 5-star plan becomes available in your area, then you may be eligible for a Special Enrollment Period to enroll in it. As you can see, the only Medicare Advantage carrier in Alabama with a 5-star rating currently is VIVA.

PlanPremiumMOOPDrug DeductibleStar Ratings
VIVA Medicare Select (HMO)$0$4,500n/a5
VIVA Medicare Me (HMO)$0$5,400$05
VIVA Medicare Plus (HMO)$0$5,900$05
VIVA Medicare Prime (HMO)$55$5,400$05
VIVA Medicare Premier (HMO)$105$4,500$05

Plans with a Part B Reduction

If you’re looking for money back in your Social Security check, then these plans may be a good fit for you. It’s important to know that not all zip codes offer plans with a Part B give-back. The below rates are from Jefferson county. The Part B reduction starts from $6 and goes all the way up to $50.

PlanPremiumMOOPPart B ReductionStar Ratings
Humana Honor (PPO)$0$3,400$504
VIVA Medicare Select (HMO)$0$4,500$505
AARP Medicare Advantage Patriot (HMO)$0$5,000$504
Cigna True Choice Medicare (PPO)$0$5,100$203
HumanaChoice R7315-001 (Regional PPO)$0$3,400$63

Drug, Vision, and Dental Coverage

Ancillary coverage, such as drug, vision, or dental, are all options which can be added to a Medicare Advantage policy.

This is what makes Part C plans so appealing to some seniors – they get access to forms of coverage that Original Medicare does not provide, and all are bundled under one plan.

However, keep in mind that the more coverage you add, the more expensive your plan will become.

How to Get Help Enrolling in an Alabama Medicare Advantage Plan

Our licensed agents are fully educated on all Medicare Advantage plans available in your area. Since we work with most carriers, you will have many options to choose from. Give us a call, or complete our online rate form to get rates in your area now.

by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
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