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Written by David Bynon [3], Medicare Analyst since 2012.  Last updated July 15, 2025

MedicareWire is a public-trust resource. We do not sell plans or accept payment to influence content. Here's why you can trust our data and how we operate. Also see our references and how we're building EEAT trust.

Medicare Advantage
 » 
Alabama
 » 
Limestone County

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

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

There are 32 Medicare Advantage plans available in Limestone County, AL for the 2025 plan year, including 22 plans with $0 premiums. Most plans include prescription drug coverage. These counts exclude Special Needs Plans.

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

  • Top 3 Plans by Enrollment:
    1. Blue Advantage Complete (PPO) — 1,403 enrollees
    2. HumanaChoice H5216-269 (PPO) — 648 enrollees
    3. Cigna Preferred Medicare (HMO) — 563 enrollees
  • Average Monthly Premium: $19.29
  • Average Maximum Out-of-Pocket Limit: $5,944
  • Average Prescription Drug Deductible: $342.40
  • Ratings (Plan Mix): 4+ Stars: 48% · 3 Stars: 52% · Below 3: 0%
  • Plan Type Breakdown 17 PPO · 9 HMO · 4 HMO-POS · 2 REGIONAL PPO

Limestone County, Alabama Medicare Advantage Plans

Medicare Advantage Plans in Limestone 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 Value Plus* PPO $10 $9,350 $590
☆☆☆☆☆
Cigna Courage Medicare* HMO $0 $5,750 N/A
☆☆☆☆☆
Cigna Preferred AL Medicare* HMO $0 $8,850 $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 Classic HMO $0 $9,350 $300
☆☆☆☆☆
VIVA Medicare Premier HMO $103 $6,500 $100
☆☆☆☆☆
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 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 H5216-448 PPO $135 $2,000 $300
☆☆☆☆☆
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 $5,500 $0
☆☆☆☆☆
Cigna True Choice Medicare PPO $0 $5,950 $0
☆☆☆☆☆
Devoted CHOICE Alabama PPO $0 $5,900 $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 Limestone County
Average Monthly Premium
$19.29
Plans with $0 Premium
22
Average MOOP Limit
$5,944 ($9,350 max. in 2025)
Average Rx Deductible
$342.40
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: 48% · 3 Stars: 52% · Below 3: 0%
Plans Available
32 (excluding Limestone County SNP plans)
Plan Type Breakdown
17 PPO · 9 HMO · 4 HMO-POS · 2 REGIONAL PPO
Countywide Enrollments
5,814 (excluding SNP plans)
Top 3 Plans by Enrollment
1. Blue Advantage Complete (PPO) — 1,403 enrollees
2. HumanaChoice H5216-269 (PPO) — 648 enrollees
3. Cigna Preferred Medicare (HMO) — 563 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, 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 Limestone County throw in some nice extras - think prescription drug coverage, dental, vision, and wellness programs - making them a solid choice for those in Limestone County looking for something more than Original Medicare.

🏥 Health Maintenance Organization (HMO) Plans

HMO plan members must use the plan's network of doctors and hospitals in Limestone 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 1,571 residents enrolled in HMO plans in this county. The most popular plan is Cigna Preferred Medicare .

🔓 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 3,806 Limestone 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 425 residents enrolled in HMO-POS plans in this Limestone County. The most popular plan by enrollments is AARP Medicare Advantage from UHC AL-0001 .

Advantages of Enrolling in Medicare Advantage

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 Limestone County:

🧑‍⚕️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

When it comes to selecting from the 32 Medicare Advantage Plans available in Limestone County, it’s important to focus on these critical factors:

🏥1. Provider Network

Confirm that your doctors and preferred healthcare facilities are in the plan's network to avoid out-of-network charges.

💊 2. Prescription Drug Coverage

Review the plan's drug coverage to ensure it meets your needs, particularly for any specialty medications.

💰 3. Costs

Compare the overall costs, including premiums, copayments, and maximum out-of-pocket expenses, to find a plan that fits within your budget.

🎁 4. Additional Benefits

Determine which additional benefits are offered and how they align with your personal health and wellness needs.

⭐ 5. 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.

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 Limestone 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 Limestone County?

Based on the 2025 plan data, PPO plans are the most common in Limestone County. The full breakdown of plan types is: 17 PPO · 9 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 Limestone County is $5,944 for 2025.

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

No 5-star rated Medicare Advantage plans are available in Limestone County for the 2025 plan year. However, 48% of plans have a rating of 4 stars or higher.

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

The average monthly premium for Medicare Advantage plans in Limestone County is $19.29. A total of 22 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 227, H5521 467, H4513 045, H4513 046 2, H4513 077 2, H4513 087 2, H2802 041, H0104 016, H0104 012, H0104 015, H0154 017, H0154 011, H0154 008, H0432 003, H0432 004, H1889 015, H0432 012, H3080 002, H5619 089, H5216 236, H5216 179, H5216 269, H5216 368, H5216 448, R0110 017, R0110 018, H7849 064 2, H7849 112 2, H9888 002, H9888 006, 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 Ardmore, Athens, Elkmont, Lester, Madison, Tanner, and all other areas of Limestone County, Alabama, including the following zip codes: 35610, 35611, 35612, 35613, 35614, 35615, 35620, 35647, 35649, 35652, 35671, 35739, 35749, 35756, 35757, 35773.

Citations & References
  • Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 19 March, 2025
  • CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 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.

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On This Page

  • List of Plans
  • Plan Overview
  • Benefits
  • How to Choose
  • Enrollment

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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 delivered independent, data-driven Medicare research to help seniors make informed, confident decisions.

David is also the founder of TrustPublishing.com and the inventor of the Memory-First Publishing and Semantic Digest protocols.

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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