Medicare Advantage Plans, Chambers County, AL, 2024
We reviewed the top 20 Medicare Advantage Plans available in Chambers County, Alabama for 2024. Here's what we learned:
Key Facts
- The average premium is $25.81 per month.[3]
- The average out-of-pocket limit is $5,284 per year.[3]
- The average drug plan deductible (for plans that include Part D) is $127.86 per year.[3]
- The Centers for Medicare & Medicaid Services (CMS) rated 89% of all plans available in Chambers County 4 stars or higher.[3]
- There are 4 5-star plans available that qualify for the 5-star special enrollment period.
- There are 3 plan types to choose from, including HMO, PPO, HMO-POS, and possibly SNP plans (see: Chambers County, AL Medicare Special Needs Plans.
Chambers County, Alabama Medicare Advantage Plans
Plan Name | Type | Premium | MOOP | Rx Ded. | Rating |
---|---|---|---|---|---|
VIVA Medicare Plus* | HMO | $0 | $5,400 | $0 | |
VIVA Medicare Premier* | HMO | $96 | $4,500 | $0 | |
VIVA Medicare Prime* | HMO | $46 | $5,400 | $0 | |
VIVA Medicare Select* | HMO | $0 | $4,500 | N/A | |
Humana USAA Honor* | PPO | $0 | $3,400 | N/A | |
Humana Value Plus H5216-179* | PPO | $41 | $3,000 | $545 | |
HumanaChoice H5216-142* | PPO | $7 | $7,800 | $250 | |
HumanaChoice H5216-269* | PPO | $0 | $5,900 | $150 | |
AARP Medicare Advantage from UHC AL-0001 | HMO-POS | $0 | $4,900 | $0 | |
AARP Medicare Advantage from UHC AL-0002 | HMO-POS | $39 | $3,800 | $0 | |
AARP Medicare Advantage Patriot No Rx AL-MA01 | HMO-POS | $0 | $5,500 | N/A | |
Aetna Medicare Eagle | PPO | $0 | $5,500 | N/A | |
Aetna Medicare Freedom | PPO | $0 | $5,900 | $0 | |
Aetna Medicare Value Plus | PPO | $27 | $7,900 | $300 | |
Blue Advantage Complete | PPO | $0 | $5,100 | $0 | |
Blue Advantage Premier | PPO | $159 | $3,400 | $0 | |
Humana Gold Plus H5619-089 | HMO | $0 | $5,900 | $0 | |
HumanaChoice R7315-001 | PPO | $0 | $5,900 | N/A | |
HumanaChoice R7315-002 | PPO | $75 | $6,700 | $545 | |
*Identified as one of the highest-rated Medicare Advantage plans available in Alabama based on the most recent CMS performance ratings.[4] **Certain PFFS, MSA, and HMO-POS plans have a combined in and out-of-network maximum. Limits are detailed on the plan pages. |
Chambers County, AL
Medicare Advantage Plan Information
Medicare Advantage (MA) plans provide an alternative to Original Medicare for people on Medicare living in Chambers County. The 20 plans available are offered by Medicare-approved private companies that agree to provide coverage by Medicare's rules. MA plans, also known as Medicare Part C, can offer additional benefits unavailable through Original Medicare.
One of the most common additional benefits offered is coverage for prescription medications. These plans are commonly referred to as Medicare Advantage Prescription Drug plans (MAPDs), and they provide comprehensive coverage for people on Medicare in Chambers County seeking to minimize their out-of-pocket expenses.
The top-rated Medicare Advantage plans in Alabama have a star rating of 4.0 stars or higher. Many people often start their search with these plans. See: medicarewire.com/medicare-advantage/alabama/
3 Plan Types to Choose in Chambers County
The Medicare Advantage program was created to give people on Medicare (beneficiaries) a choice. To that end, Medicare developed 7 different types of private health plans. In Chambers County, 3 of the 7 types of Medicare Advantage plans are available, as follows:
Plan Type | Description |
---|---|
HMO | Health Maintenance Organization (HMO) members usually receive services through the plan's local network of providers. Referrals are typically required to see a specialist and other providers. However, plans allow out-of-network care for emergencies and out-of-area dialysis. Prescription drug coverage is often included in HMO plans, and many plans include some coverage for dental, vison, and hearing. |
PPO | Preferred Provider Organization (PPO) members can usually use in-network and out-of-network providers for care, including hospitalization. However, visits to non-network providers could cost significantly more. PPO plans often include prescription drug coverage and other benefits, and referrals are typically not required for specialist visits. |
HMO-POS | An HMO-POS (point-of-sale) plan offers the same features as an HMO plan. There is however one major difference. HMO-POS plans allow members to access healthcare providers outside of the plan's network to receive some or all of their services. In most cases, to go out of the plan's network a member will need to get a referral from their physician. Plus, there are separate deductibles for in-network and out-of-network services. |
SNP |
See below. |
Who Can Enroll in Medicare Advantage?
The majority of residents aged 65 and above in County, Chambers, are eligible to enroll in a Medicare Advantage plan. Nonetheless, it's important to note that not all of the top-rated Medicare Advantage Plans in Alabama are accessible in the area.
You are only allowed to join, drop or change Medicare Advantage plans during a Medicare Election Period. The period between October 15 and December 7 is the Annual Enrollment Period. That's when most people join or change their Medicare Advantage and Medicare Part D plans or go back to Original Medicare.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is a 7-month period around your 65th birthday. It starts three months before your birth month and ends three months after, so you have plenty of time. If you are receiving Social Security Disability Insurance (SSDI), your IEP starts on the 25th month of your benefits.
How to Get Prescription Drug Coverage If It's Not Included
Some individuals may be eligible to join a standalone prescription drug plan. Otherwise known as a PDP or Part D plan, a standalone prescription drug plan adds prescription coverage to Original Medicare and Medicare Advantage plans that do not include coverage for prescriptions.
It’s important to note that health plans that include prescription drug coverage may disenroll members who sign up for a separate drug plan. You cannot be enrolled in plans with overlapping benefits.
Medicare Advantage Is Just One Option in Chambers County
If you are worried that your Medicare Advantage plan options in Chambers County may not meet your needs, or that Medicare Advantage plans are bad, inconvenient, or will limit your services, there is another way to get more coverage. There are Medicare Supplements available in Alabama, as well as Medicare prescription drug plans. These work hand-in-hand with your Original Medicare to give you more coverage and more flexibility.
If you are not aware of the benefits of Medicare Supplement Insurance, and how it helps pays medical bills from an extended illness or hospital stay, check out our Medigap page and compare Medicare supplement plans in your area. All Medicare supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
IMPORTANT: Medicare Advantage and Medicare Supplements are not compatible insurance. Medicare Supplements work with Original Medicare and cannot be purchased while you are enrolled in Medicare Advantage.
Special Needs Plans (SNP) in Chambers County
Some Americans may have special circumstances, including institutional care, care for chronic health conditions, and dual eligibility for both Medicare and Medicaid. If you or a loved one have one of these special needs, look into the availability of a Medicare Advantage Special Needs Plan (SNP).
MedicareWire has a special directory for Chambers County, Alabama Special Needs Plans. Although managed under the Medicare Advantage program, SNP plans are designed specifically for three types of people:
- People on Medicare in a nursing home or receiving skilled nursing care at home;
- People on Medicare with both Medicare and Medicaid benefits; and
- People on Medicare with certain chronic health conditions.
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 Five Points, Lafayette, Lanett, Valley, 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 Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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, 2022
- CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2023
- Medicare.gov, "Learn How Medigap Works", Last Accessed 1 July, 2023
[3]Data & Statistics
The data presented on this page is derived from the 2024 Landscape Source Files and the Part C and D Performance Data published by CMS.
The average premium, average out-of-pocket limit, and average drug plan deductible statistics for Chambers County, Alabama are derived from the most recent Landscape Source Files, excluding employer, MMP and SNP plans. MedicareWire publishes Special Needs Plans here.
Star rating statistics are derived from the most recent Part C and D Performance Data, excluding employer, MMP, SNP, and plans that have not yet been rated by CMS.
[4]Highest-Rated Medicare Advantage Plans
CMS publishes the Medicare Advantage and Medicare Part D Star Ratings each year to measure the quality of health and drug services received by people on Medicare in Chambers County. MedicareWire highlights plans rated 4.0 or better as "highest-rated" or "top-rated" because they received the overall highest summary rating from CMS. According to CMS, "The Star Ratings system helps Medicare consumers compare the quality of Medicare health and drug plans being offered so they are empowered to make the best health care decisions for them."