Medicare Advantage Plans, Bullock County, AL, 2024
We reviewed the top 23 Medicare Advantage Plans available in Bullock County, Alabama for 2024. Here's what we learned:
Key Facts
- The average premium is $22.29 per month.[3]
- The average out-of-pocket limit is $5,218 per year.[3]
- The average drug plan deductible (for plans that include Part D) is $140.29 per year.[3]
- The Centers for Medicare & Medicaid Services (CMS) rated 77% of all plans available in Bullock 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: Bullock County, AL Medicare Special Needs Plans.
Bullock 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 H5216-269* | PPO | $0 | $5,900 | $150 | |
HumanaChoice H5216-368* | PPO | $7 | $6,700 | $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 | $5,000 | $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 | |
Devoted CHOICE Alabama | PPO | $0 | $5,900 | $150 | |
Devoted CORE Alabama | HMO | $0 | $4,500 | $0 | |
Devoted GIVEBACK Alabama | HMO | $0 | $6,000 | $545 | |
*Rated by CMS as one of the best Medicare Advantage plans available in Alabama based on the most recent Part C and Part D 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. |
Bullock County, AL
Medicare Advantage Plan Information
In County, Bullock, Medicare Advantage (MA) plans offer a distinct option for people on Medicare. These plans, also referred to as Medicare Part C, are provided by private companies authorized by Medicare, adhering to stringent regulations. Presently, there are 23 MA plans available (not including Special Needs Plans). Many deliver supplementary benefits beyond what Original Medicare provides.
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 Bullock 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 Available in Bullock County
Medicare allows 7 distinct types of private health plans, although the availability of these plans may vary by location. In Bullock County, people on Medicare (beneficiaries) can select from 3 out of the 7 plan types, which are 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. |
How-To Enroll in a Medicare Advantage Plan
Most people with Medicare in Alabama qualify to join a Medicare Advantage plan. The availability of plans in your area that meet your needs may be the determining factor.
You can join or switch Medicare Advantage plans during a Medicare Election Period. For most people, the Annual Enrollment Period, which starts on October 15 and ends on December 7, is the time they update their plan choices.
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.
Adding Medicare Part D for Prescription Coverage
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 Bullock County
Medicare Advantage is one way to get full coverage healthcare. However, many people feel that Medicare Advantage plans have too many disadvantages. Another option is to keep Original Medicare benefits and add more coverage with a Alabama Medicare Supplement plan and a Alabama Medicare Part D plan (PDP) to help pay for your prescription medications.
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.
Medicare SNP Plans Available in Bullock County
Many people on Medicare have unique health plan needs. This includes institutional care, care for chronic diseases, and access to both Medicare and Medicaid. Consider a Medicare Advantage Special Care Plan (SNP) if you or your loved one has one or more of these special needs.
MedicareWire has a special directory for Bullock 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 Midway, Union Springs, and all other areas of Bullock 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
- MedicareWire.com, "What is Medicare Advantage?", Last Accessed 11 April, 2022
- CMS.gov, "Special Needs Plans (SNP)", Last Accessed 24 May, 2023
- Medicare.gov, "What's Medicare Supplement Insurance (Medigap)?", Last Accessed 22 May, 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 Bullock 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 Bullock 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."