Medicare Advantage Plans, Choctaw County, AL, 2024
We reviewed the top 20 Medicare Advantage Plans available in Choctaw County, Alabama for 2024. Here's what we learned:
Key Facts
- The average premium is $19.44 per month.[3]
- The average out-of-pocket limit is $5,334 per year.[3]
- The average drug plan deductible (for plans that include Part D) is $185.33 per year.[3]
- The Centers for Medicare & Medicaid Services (CMS) rated 68% of all plans available in Choctaw County 4 stars or higher.[3]
- There are no 5-star plans available.
- There are 3 plan types to choose from, including PPO, HMO-POS, HMO, and possibly SNP plans (see: Choctaw County, AL Medicare Special Needs Plans.
Choctaw County, Alabama Medicare Advantage Plans
Plan Name | Type | Premium | MOOP | Rx Ded. | Rating |
---|---|---|---|---|---|
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 | $5,900 | $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 | |
Wellcare Assist | HMO | $21 | $4,500 | $545 | |
Wellcare Giveback Open | PPO | $0 | $7,350 | $545 | |
Wellcare No Premium | HMO | $0 | $4,500 | $0 | |
Wellcare No Premium Open | PPO | $0 | $5,500 | $0 | |
*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. |
Choctaw County, AL
Medicare Advantage Plan Information
In County, Choctaw, 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 20 MA plans available (not including Special Needs Plans). Many deliver supplementary benefits beyond what Original Medicare provides.
Prescription medication coverage is one of the most popular additional benefits. These plans are also known as Medicare Advantage Prescription Drug Plans (MAPDs). These Choctaw County plans offer people on Medicare comprehensive coverage that can help them reduce their out-of-pocket costs.
Medicare Advantage plans in Alabama with a star rating of 4.0 or higher are often the plans people consider first. See: medicarewire.com/medicare-advantage/alabama/
Types of MA Plans in Choctaw 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 Choctaw 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. |
Getting Enrolled in a Medicare Advantage Plan
The majority of residents aged 65 and above in County, Choctaw, 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.
You also have a 7-month Individual Election Period (IEP). Your IEP begins three calendar months before your 65th birthday and continues for three months after your birth month. If you get Social Security Disability Insurance (SSDI), your IEP starts on the 25th month of your benefits.
Adding Prescription Drug Coverage
Some Medicare beneficiaries may be eligible for a standalone prescription drug plan. Also known as a PDP, or Part D plan, a standalone prescription plan provides coverage for prescription drugs to Original Medicare and Medicare Advantage plans that do not include Part D.
It is important to know that most Medicare Advantage plans include prescription drug coverage and may not allow members to sign up for a separate drug plan. Medicare rules do not allow you to be enrolled in plans that offer overlapping benefits.
Medicare Advantage Is Just One Option in Choctaw County
If you are worried that your Medicare Advantage plan options in Choctaw 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 Choctaw County
Numerous individuals enrolled in Medicare have distinct health plan requirements, encompassing institutional care, the management of chronic conditions, and eligibility for both Medicare and Medicaid. If you or a family member has any of these specific needs, consider exploring your Special Needs Plan (SNP) options.
MedicareWire has a special directory for Choctaw 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 Butler, Gilbertown, Lisman, Silas, Toxey, and all other areas of Choctaw 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, "Types of Medicare Advantage Plans", Last Accessed 17 May, 2022
- Medicare.gov, "Special Needs Plans (SNP)", Last Accessed 11 June, 2023
- Medicare.gov, "How to compare Medigap policies", Last Accessed 1 June, 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 Choctaw 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 Choctaw 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."