Medicare Advantage Plans, Coffee County, AL, 2024
We reviewed the top 20 Medicare Advantage Plans available in Coffee 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 $5,287 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 Coffee 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: Coffee County, AL Medicare Special Needs Plans.
Coffee 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 | $5,000 | $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 | |
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. |
Coffee County, AL
Medicare Advantage Plan Information
In County, Coffee, 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 often included as an additional benefit. Plans that include prescription coverage are called Medicare Advantage Prescription Drug Plans (or MAPDs). They help Coffee County people on Medicare reduce their premiums and/or out-of-pocket costs.
The highest-rated Medicare Advantage plans in Alabama have a CMS star rating of 4.0 stars or better. These plans are where many people start their search. See: medicarewire.com/medicare-advantage/alabama/
3 Plan Types to Choose in Coffee County
Medicare allows 7 distinct types of private health plans, although the availability of these plans may vary by location. In Coffee 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. |
Who Can Enroll in Medicare Advantage?
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 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 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.
Other Medicare Plan Options in Coffee 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're not familiar with Medigap policies, and how they protect you from out-of-pocket costs in Original Medicare, please review our Medicare Supplement directory, where you can learn about and compare Medigap plans. All Medigap plans are standardized. That means you can choose the plan you need based on the best price without worrying about the benefits.
NOTE: If you choose a Medicare Advantage plan you cannot buy a Medicare Supplement for additional coverage. Medicare Supplements only work with Original Medicare.
Special Needs Plans (SNP) in Coffee 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.
We organize Medicare Special Needs Plans for Coffee County, Alabama in a separate directory. Although SNP plans are Medicare Advantage plans, they are only available to qualifying individuals, including:
- Individuals in a nursing home or receiving skilled nursing care at home;
- Individuals with both Medicare and Medicaid benefits; and
- Individuals 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 Elba, Enterprise, Jack, Kinston, New Brockton, and all other areas of Coffee 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 Coffee 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 Coffee 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."