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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated May 24, 2025

MedicareWire partners with HealthCompare for some plans. Compensation does not influence content. Here's why you can trust our data and how we make money. Also see our references and how we're building EEAT trust.

Medicare Advantage
 » 
Alabama
 » 
Baldwin County

Guide to Medicare Advantage Plans in Baldwin County, AL for 2025

List of Plans | Plan Overview | Benefits | How to Choose | Enrollment | FAQ

There are 36 Medicare Advantage plans available in Baldwin County, AL for the 2025 plan year, including 27 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

Not in Baldwin County? Enter your ZIP code to see plans in your area.

  • Top 3 Plans by Enrollment:
    1. Blue Advantage Complete (PPO) — 6,949 enrollees
    2. AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 4,533 enrollees
    3. Humana Gold Plus H5619-089 (HMO) — 3,151 enrollees
  • Average Monthly Premium: $14.05
  • Average Maximum Out-of-Pocket Limit: $6,144
  • Average Prescription Drug Deductible: $342.76
  • Ratings (Plan Mix): 4+ Stars: 55% · 3 Stars: 45% · Below 3: 0%
  • Plan Type Breakdown 16 PPO · 14 HMO · 4 HMO-POS · 2 REGIONAL PPO

Baldwin County, Alabama Medicare Advantage Plans

Medicare Advantage Plans in Baldwin County, AL for 2024
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 Giveback Choice* PPO $0 $9,350 $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 Full Savings Medicare* HMO $0 $5,750 $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
☆☆☆☆☆
Aetna Medicare Signature HMO $0 $6,900 $590
☆☆☆☆☆
Blue Advantage Complete PPO $0 $5,100 $150
☆☆☆☆☆
Blue Advantage Premier PPO $153 $2,900 $0
☆☆☆☆☆
VIVA Medicare Infirmary Health Advantage HMO $0 $6,500 $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 from UHC AL-0004 PPO $0 $6,700 $420
☆☆☆☆☆
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 $4,300 $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.
📊 At a Glance: Medicare Advantage in Baldwin County
Average Monthly Premium
$14.05
Plans with $0 Premium
27
Average MOOP Limit
$6,144 ($9,350 max. in 2025)
Average Rx Deductible
$342.76
Plans Without Drug Coverage
4 (standalone Alabama Part D plans)
Plans with 5-Star Ratings
No 5-star plans available.
Stars  Ratings (Plan Mix)
4+ Stars: 55% · 3 Stars: 45% · Below 3: 0%
Plans Available
36 (excluding Baldwin County SNP plans)
Plan Type Breakdown
16 PPO · 14 HMO · 4 HMO-POS · 2 REGIONAL PPO
Countywide Enrollments
23,180 (excluding SNP plans)
Top 3 Plans by Enrollment
1. Blue Advantage Complete (PPO) — 6,949 enrollees
2. AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 4,533 enrollees
3. Humana Gold Plus H5619-089 (HMO) — 3,151 enrollees

Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated April 7, 2025. County demographic data last updated April 5, 2025.

Understanding Your Medicare Advantage Options

Medicare Advantage Plans, or Part C, are health plans provided by private insurers that offer all-in-one coverage, combining Medicare Part A (hospital coverage) and Part B (medical coverage). Many of the 36 plans available to you in Baldwin County also include additional benefits like prescription drug coverage, as well as dental, vision, and wellness services, offering a more comprehensive package than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Baldwin 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. There are 6,219 residents enrolled in HMO plans in this county. The most popular plan is Humana Gold Plus H5619-089 .

🔓 Preferred Provider Organization (PPO)

A 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. There are 11,015 Baldwin County residents enrolled in PPO plans. The most popular of these plans by enrollments is Blue Advantage Complete .

🔀 Health Maintenance Organization Point of Sale (HMO-POS)

Medicare HMO-POS plans are a type of HMO that offers a little more flexibility. Like a regular HMO, you typically use the plan's network of doctors and hospitals for care, usually requiring a referral to see specialists. However, an HMO-POS plan lets you receive certain healthcare services outside of the network at a higher cost. There are 5,881 residents enrolled in HMO-POS plans in this Baldwin County. The most popular plan by enrollments is AARP Medicare Advantage from UHC AL-0003 .

If you qualify for Original Medicare or Medicare Advantage in Baldwin County but don't know where to begin, we have licensed insurance agents[1] at 1-855-728-0510 (TTY 711) who can answer your questions (Mon-Fri 5am-6pm, Sat 6am-5pm PST) and help you get enrolled. There's no obligation.

Advantages of Enrolling in Medicare Advantage

Enrolling in a Medicare Advantage Plan can offer significant benefits compared to Original Medicare. These plans provide all-in-one coverage, including hospital and medical insurance, and often come with added perks like drug coverage, dental care, and wellness programs. With a Medicare Advantage Plan, you can access a wider range of services while potentially reducing your overall healthcare costs.

Below are some of the key benefits you can enjoy in Baldwin County with a Medicare Advantage Plan:

🧑‍⚕️Coordinated Care

Plans often include care coordination services, which help you manage your healthcare across different providers and services.

💸 Cost Savings

Many plans have low or $0 premiums and offer capped out-of-pocket costs, providing financial protection against high medical expenses.

🧾 Comprehensive Coverage

Includes Medicare Part A, Part B, and often Part D (prescription drug coverage), along with additional benefits like dental, vision, and hearing.

🧘 Wellness Programs

Many Yavapai County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?

Tips for Selecting a Medicare Advantage Plan

Choosing the right Medicare Advantage Plan out of the 36 plans available in Baldwin County requires careful consideration of several key factors:

🏥1. Provider Network

Verify that your current doctors and preferred hospitals are included in the plan's network. Access to your healthcare providers can significantly impact your care experience.

💊 2. Prescription Drug Coverage

Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.

💰 3. Costs

Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.

🎁 4. Additional Benefits

Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.

⭐ 5. Plan Ratings

Look into the plan's star ratings, which provide insight into the plan's overall quality and member satisfaction.

Learn more about the basics of comparing Medicare Advantage Plans.

Medicare Advantage Enrollment Periods

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 Baldwin 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.

Are you ready to enroll? Do you still have questions? Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

Frequently Asked Questions

What are the most popular Medicare Advantage plan types in Baldwin County?

Based on the 2025 plan data, PPO plans are the most common in Baldwin County. The full breakdown of plan types is: 16 PPO · 14 HMO · 4 HMO-POS · 2 REGIONAL PPO.

How much can I expect to pay out of pocket for Medicare Advantage plans?

The average maximum out-of-pocket limit (MOOP) in Baldwin County is $6,144 for 2025.

Do any Medicare Advantage plans in Baldwin County have 5-star ratings?

No 5-star rated Medicare Advantage plans are available in Baldwin County for the 2025 plan year. However, 55% of plans have a rating of 4 stars or higher.

What is the average monthly premium for Medicare Advantage plans in Baldwin County?

The average monthly premium for Medicare Advantage plans in Baldwin County is $14.05. A total of 27 offer $0 premiums, though costs vary by plan type and benefits.

More About These Plans

Carrier 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.

Master Plan Pages by Plan ID

The plan pages listed in the table above have been modified for localization to help consumers identify plans available in their area. Most plans are available in multiple areas. The following list of plan IDs link to each plan's master page.

H5521 229, H5521 116, H5521 475, H5521 467, H4513 045, H4513 046 1, H4513 089, H4513 077 3, H4513 087 3, H2802 041, H3239 020, H0104 014, H0104 015, H0154 020, H0154 015 1, H0154 011, H0154 016, H0154 008, H0432 003, H0432 004, H1889 015, H0432 012, H3080 001, H3080 002, H5619 089, H5216 236, H5216 179, H5216 269, H5216 368, R0110 017, R0110 018, H7849 064 1, H7849 112 3, H9888 001, H9888 005, H9888 007

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 Bay Minette, Daphne, Elberta, Fairhope, Foley, Gulf Shores, Lillian, Loxley, Orange Beach, Perdido, Robertsdale, Seminole, Silverhill, Stapleton, Stockton, Summerdale, and all other areas of Baldwin County, Alabama, including the following zip codes: 36502, 36507, 36511, 36526, 36527, 36530, 36532, 36533, 36535, 36536, 36542, 36547, 36549, 36550, 36551, 36555, 36559, 36561, 36562, 36564, 36567, 36574, 36576, 36577, 36578, 36579, 36580.

Citations & References
  • Medicare.gov, "Compare types of Medicare Advantage Plans", Last Accessed 19 March, 2025
  • Medicare.gov, "Special Needs Plans (SNP)", Last Accessed 11 June, 2024
  • Medicare.gov, "How to compare Medigap policies", Last Accessed 19 March, 2025
  • Plan and enrollment data provided by the Centers for Medicare & Medicaid Services (CMS)
  • Data processed and interpreted by MedicareWire.com editorial team.
  • Read our methodology and sourcing policy.

Primary Sidebar

On This Page

  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment
Are you ready to enroll?
Do you still have questions?

Our licensed insurance agents are ready to help with no obligation. Call 1-855-728-0510 (TTY 711) for assistance, Mon-Fri 5am-6pm, Sat 6am-5pm PST.

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[3]About the Author

David Bynon is a Medicare analyst, published author, and U.S. Navy veteran with over 40 years of experience in cryptology, cybersecurity, and healthcare systems. Since founding MedicareWire in 2012, he has provided unbiased, data-driven Medicare plan research to assist seniors in making informed decisions.

Connect with David on LinkedIn or view his Amazon Author Profile. His latest book, Why Medicare Advantage Plans Are Bad, is available on Amazon.

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