Guide to Medicare Advantage Plans in Clay County, AL for 2025
There are 22 Medicare Advantage plans available in Clay County, AL for the 2025 plan year, including 14 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.
Not in Clay County? Enter your ZIP code to see plans in your area.
- Top 3 Plans by Enrollment:
1. Blue Advantage Complete (PPO) — 389 enrollees
2. AARP Medicare Advantage from UHC AL-0001 (HMO-POS) — 171 enrollees
3. Aetna Medicare Freedom (PPO) — 114 enrollees - Average Monthly Premium: $17.15
- Average Maximum Out-of-Pocket Limit: $5,829
- Average Prescription Drug Deductible: $465.00
- Ratings (Plan Mix): 4+ Stars: 39% · 3 Stars: 61% · Below 3: 0%
- Plan Type Breakdown 12 PPO · 4 HMO-POS · 3 HMO · 2 REGIONAL PPO
Clay 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 | |
| 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 H5216-368 | 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. | |||||
📊 At a Glance: Medicare Advantage in Clay County
- Average Monthly Premium
- $17.15
- Plans with $0 Premium
- 14
- Average MOOP Limit
- $5,829 ($9,350 max. in 2025)
- Average Rx Deductible
- $465.00
- 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: 39% · 3 Stars: 61% · Below 3: 0%
- Plans Available
- 22 (excluding Clay County SNP plans)
- Plan Type Breakdown
- 12 PPO · 4 HMO-POS · 3 HMO · 2 REGIONAL PPO
- Countywide Enrollments
- 1,033 (excluding SNP plans)
- Top 3 Plans by Enrollment
- 1. Blue Advantage Complete (PPO) — 389 enrollees
2. AARP Medicare Advantage from UHC AL-0001 (HMO-POS) — 171 enrollees
3. Aetna Medicare Freedom (PPO) — 114 enrollees
Data Sources: CY2025 Landscape, PBP Benefits, Star Ratings Data, Monthly Enrollment by CPSC, and SimpleMaps U.S. Counties. Enrollment data last updated . County demographic data last updated .
Understanding Your Medicare Advantage Options
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 22 plans available in Clay 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) Plans
HMO plan members must use the plan's network of doctors and hospitals in Clay 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 69 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 690 Clay 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 274 residents enrolled in HMO-POS plans in this Clay County. The most popular plan by enrollments is AARP Medicare Advantage from UHC AL-0001 .
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 Clay County residents:
🧑⚕️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 22 plans available in Clay 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
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 Clay County.
📅 Initial Enrollment Period (IEP)
This is your first opportunity to enroll in a Medicare Advantage Plan when you first become eligible for Medicare. Your Initial Enrollment Period lasts for seven months, starting three months before your 65th birthday.
🗓️ Annual Enrollment Period (AEP)
Occurs every year from October 15 to December 7. During the Annual Enrollment Period, you can switch, drop, or join a Medicare Advantage Plan.
🔁 Open Enrollment Period (OEP)
From January 1 to March 31, you can switch Medicare Advantage plans or return to Original Medicare if you’re already enrolled in a Medicare Advantage Plan.
For more detailed information on the enrollment periods and how to enroll, visit our comprehensive guide on Medicare Advantage Plan Enrollment.
Frequently Asked Questions
What are the most popular Medicare Advantage plan types in Clay County?
Based on the 2025 plan data, PPO plans are the most common in Clay County. The full breakdown of plan types is: 12 PPO · 4 HMO-POS · 3 HMO · 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 Clay County is $5,829 for 2025.
Do any Medicare Advantage plans in Clay County have 5-star ratings?
No 5-star rated Medicare Advantage plans are available in Clay County for the 2025 plan year. However, 39% of plans have a rating of 4 stars or higher.
What is the average monthly premium for Medicare Advantage plans in Clay County?
The average monthly premium for Medicare Advantage plans in Clay County is $17.15. A total of 14 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.
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 Ashland, Delta, Lineville, and all other areas of Clay County, Alabama, including the following zip codes: 35072, 35082, 35150, 35160, 36251, 36255, 36256, 36258, 36266, 36267, 36268, 36276.
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, "What's Medicare Supplement Insurance (Medigap)?", 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.