Your Guide to Medicare Advantage in Chambers County, AL
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In Chambers County, Alabama, there are 28 Medicare Advantage Plans available for the 2025. From basics to specialized care, each of the 28 plans caters to distinct health needs and priorities. Our guide will help you weigh your options so you can make an informed decision.
Available Medicare Advantage Plans in Chambers County, Alabama
Below is a complete list of Medicare Advantage Plans available in Chambers County. Click on any plan to view full details, including benefits, coverage, and costs.
Chambers 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 | |
| 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 H5216-142 | PPO | $21 | $9,350 | $350 | |
| 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 | |
| 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. | |||||
Overview of Medicare Advantage Plans
Medicare Advantage Plans, also known as Medicare Part C, are private health plans that provide all-in-one coverage, including Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). On top of the core benefits, many of the plans in Chambers County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Mohave County looking for something more than Original Medicare.
- Health Maintenance Organization (HMO): Requires members to stay within a network of doctors and hospitals in Chambers County and typically needs referrals to see specialists. Medicare Advantage HMOs tend to be more affordable but may limit provider choices.
- Preferred Provider Organization (PPO): PPO Plans provide greater flexibility in choosing healthcare providers, allowing members to see specialists without a referral. However, PPOs generally come with higher premiums and out-of-pocket costs.
- Private Fee-for-Service (PFFS): Members can visit any Medicare-approved doctor or hospital in Chambers County that agrees to the plan's terms. Medicare Advantage PFFS plans offer more freedom in choosing providers but may have higher associated 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.
Advantages of Enrolling in Medicare Advantage
Medicare Advantage Plans, also known as Part C, provide several key advantages over Original Medicare. Bundle up your healthcare with plans that cover Medicare Parts A and B, plus some extras like prescription meds, dental care, and vision services - it's a package deal! Medicare Advantage can be a smart choice if you want to maximize your healthcare dollars and enjoy extras like additional services and lower out-of-pocket costs.
Here are some of the top advantages these plans offer Chambers County residents:
- Coordinated Care: Plans often include care coordination services, which helps 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 Chambers County plans offer free gym memberships, wellness programs, and preventive care services. You need to stay healthy, right?
Choosing the Right Medicare Advantage Plan
Choosing the right Medicare Advantage Plan out of the 28 plans available in Chambers County requires careful consideration of several key factors:
- 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.
- Prescription Drug Coverage: Make sure the plan covers your medications, particularly if you have specific prescriptions you rely on regularly.
- Costs: Examine the plan's premiums, copayments, and out-of-pocket limits. Compare these costs against your budget to avoid unexpected expenses.
- Additional Benefits: Consider what extra services, such as dental, vision, or wellness programs, are important to you, and check if the plan offers them.
- 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.
Understanding the Medicare Advantage Enrollment Process
Enrolling in a Medicare Advantage Plan is a straightforward process, but timing is crucial to ensure you don't miss out on the benefits. Understanding when you can enroll will help you take full advantage of the options available in Chambers County.
- Initial Enrollment Period (IEP): This initial enrollment window starts three months before and ends three months after your 65th birthday, offering a total of seven months to enroll in a Medicare Advantage Plan.
- Annual Enrollment Period (AEP): Every year from October 15 to December 7, you have the option to change, enroll, or disenroll from a Medicare Advantage Plan.
- Open Enrollment Period (OEP): Running from January 1 to March 31, this period allows changes to your Medicare Advantage Plan if you’re already enrolled or lets you switch back to Original Medicare.
For comprehensive details on how to enroll, visit our detailed guide on Medicare Enrollment.
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 Chambers 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, "Types of Medicare Advantage Plans", Last Accessed 17 May, 2023
- MedicareWire.com, "Special Needs Plans", Last Accessed 15 June, 2024
- Medicare.gov, "Learn How Medigap Works", Last Accessed 1 July, 2024