Your Guide to Medicare Advantage in Autauga County, AL
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For 2025, Autauga County has 33 Medicare Advantage Plans tailored to fit various healthcare needs. Navigating these options can be challenging. We’re here to help. This guide provides the insights you need to choose the best plan for your health and budget.
Compare Medicare Advantage Plans in Autauga County
Explore the 33 Medicare Advantage Plans currently offered in Autauga County. Take a closer look at any plan, and you'll find a dedicated page packed with benefit and coverage details.
Autauga County, Alabama Medicare Advantage Plans
| Plan Name | Type | Premium | MOOP | Rx Ded. | Rating |
|---|---|---|---|---|---|
| Aetna Medicare Eagle* | PPO | $0 | $7,900 | N/A | |
| Aetna Medicare Freedom* | PPO | $0 | $7,900 | $590 | |
| Aetna Medicare Value Plus* | PPO | $10 | $9,350 | $590 | |
| Cigna Courage Medicare* | HMO | $0 | $5,750 | N/A | |
| Cigna Preferred AL Medicare* | HMO | $0 | $6,900 | $0 | |
| Cigna Preferred Medicare* | HMO | $0 | $4,900 | $0 | |
| Cigna Preferred Plus Medicare* | HMO | $19 | $4,750 | $0 | |
| AARP Medicare Advantage from UHC AL-0003 | HMO-POS | $0 | $5,400 | $340 | |
| Blue Advantage Choice | PPO | $0 | $5,500 | $440 | |
| Blue Advantage Complete | PPO | $30 | $5,100 | $0 | |
| Blue Advantage Premier | PPO | $153 | $2,900 | $0 | |
| VIVA Medicare Plus | HMO | $0 | $9,350 | $300 | |
| VIVA Medicare Premier | HMO | $103 | $6,500 | $100 | |
| VIVA Medicare Prime | HMO | $53 | $7,500 | $200 | |
| VIVA Medicare Select | HMO | $0 | $9,350 | N/A | |
| AARP Medicare Advantage from UHC AL-0001 | HMO-POS | $0 | $5,900 | $420 | |
| AARP Medicare Advantage from UHC AL-0002 | HMO-POS | $32 | $4,500 | $340 | |
| AARP Medicare Advantage Patriot No Rx AL-MA01 | HMO-POS | $0 | $5,900 | N/A | |
| Devoted CORE Alabama | HMO | $0 | $5,500 | $590 | |
| Devoted GIVEBACK Alabama | HMO | $0 | $6,750 | $590 | |
| Humana Gold Plus H5619-089 | HMO | $0 | $6,100 | $590 | |
| Humana USAA Honor Giveback | PPO | $0 | $4,150 | N/A | |
| Humana Value Plus H5216-179 | PPO | $40 | $3,000 | $590 | |
| HumanaChoice H5216-269 | PPO | $0 | $4,000 | $590 | |
| HumanaChoice H5216-368 | PPO | $10 | $3,000 | $590 | |
| HumanaChoice R0110-017 | Regional PPO | $0 | $4,850 | N/A | |
| HumanaChoice R0110-018 | Regional PPO | $86 | $6,700 | $590 | |
| Cigna True Choice Access Medicare | PPO | $0 | $5,800 | $0 | |
| Cigna True Choice Medicare | PPO | $0 | $4,700 | $0 | |
| Devoted CHOICE Alabama | PPO | $0 | $6,200 | $590 | |
| Devoted CHOICE GIVEBACK Alabama | PPO | $0 | $7,900 | $590 | |
| Devoted LIBERTY CHOICE Alabama | PPO | $0 | $7,900 | N/A | |
| **Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages. | |||||
What Are Medicare Advantage Plans?
Medicare Advantage Plans, also known as Part C, are offered by private insurance companies and provide comprehensive coverage that includes both Medicare Part A (hospital insurance) and Part B (medical insurance). Many of the 33 plans available in Autauga County also include additional benefits such as prescription drug coverage, dental, vision, and wellness programs, making them an all-in-one alternative to Original Medicare.
- Health Maintenance Organization (HMO): Members must use the plan's network of doctors and hospitals in Autauga County, and typically need a referral to see a specialist. Some Medicare Advantage HMO Plans may have lower costs but offer less flexibility in choosing healthcare providers.
- Preferred Provider Organization (PPO): Allows more flexibility in choosing healthcare providers, with the option to see specialists without referrals, though often at a higher cost. Medicare Advantage PPOs usually have higher premiums and out-of-pocket expenses.
- Private Fee-for-Service (PFFS): Allows members to visit any Medicare-approved doctor or hospital in Autauga County that accepts the plan's payment terms. Medicare PFFS plans offer more flexibility but may result in higher costs.
- Medicare Savings Account (MSA): Features a high-deductible Medicare Advantage plan and a savings account where the plan deposits money. You can use these funds for qualified medical expenses before you reach the deductible. The MSA is ideal for those who want more control over their healthcare spending, with the potential to save money if account funds are not spent.
You may also have access to HMO-POS plans, which are a more flexible version of the traditional Medicare Advantage HMO plan. These plans still require you to use a network of providers and often need referrals for specialist visits. However, the key difference with a Medicare Advantage HMO-POS plan is that it gives you the option to receive some healthcare services outside the network, albeit with higher out-of-pocket costs.
Why Choose a Medicare Advantage Plan?
Many Medicare Advantage Plans offer extra benefits that go beyond Original Medicare, making them an attractive option for some people. These plans provide comprehensive coverage, often including additional services like prescription drug coverage, dental, vision, and wellness programs, all bundled into one plan. By choosing a Medicare Advantage Plan, you can simplify your healthcare and potentially save on costs.
Take a look at the main benefits provided by Medicare Advantage Plans in Autauga County:
- Cost Savings: Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.
- Wellness Programs: Many plans offer gym memberships, wellness programs, and preventive care services to help maintain your health.
- Coordinated Care: Plans often include care coordination services, helping manage your healthcare across different providers and services.
- Comprehensive Coverage: Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.
How to Find the Best Medicare Advantage Plan for You
When it comes to selecting from the 33 Medicare Advantage Plans available in Autauga County, it’s important to focus on these critical factors:
- Provider Network: Confirm that your doctors and preferred healthcare facilities are in the plan's network to avoid out-of-network charges.
- Prescription Drug Coverage: Review the plan's drug coverage to ensure it meets your needs, particularly for any specialty medications.
- Costs: Compare the overall costs, including premiums, copayments, and maximum out-of-pocket expenses, to find a plan that fits within your budget.
- Additional Benefits: Determine which additional benefits are offered and how they align with your personal health and wellness needs.
- Plan Ratings: Research the plan’s star ratings to understand its effectiveness, quality of care, and member satisfaction.
Find out how to effectively compare Medicare Advantage Plans and make an informed choice.
Understanding the Medicare Advantage Enrollment Process
Making sense of Medicare Advantage enrollment periods can seem overwhelming, but it's worth the effort for better health coverage. Missing these key dates could delay your coverage or limit your plan choices for 2025 in Autauga County.
- Initial Enrollment Period (IEP): The IEP is a seven-month window surrounding your 65th birthday, allowing you to sign up for a Medicare Advantage Plan as soon as you become eligible for Medicare.
- Annual Enrollment Period (AEP): The AEP runs from October 15 to December 7 each year, giving you the opportunity to change, drop, or enroll in a Medicare Advantage Plan.
- Open Enrollment Period (OEP): Between January 1 and March 31, if you’re already enrolled in a Medicare Advantage Plan, you can switch plans or revert to Original Medicare.
To learn more about the enrollment periods and steps to take, check out our comprehensive Medicare Enrollment guide.
Plan Availability
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in and all other areas of Autauga County, Alabama.
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
Citations & References
- CMS.gov, "2024 Medicare Part C Landscape Source Files", Last Accessed October 14, 2023
- CMS.gov, "2024 Part C and D Performance Data", Last Accessed October 14, 2023
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 18 June, 2023
- CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2024
- Medicare.gov, "How to compare Medigap policies", Last Accessed 1 June, 2024