Best Alabama Medicare Advantage Plans

MoneyGeek used the five-star quality rating system from the Centers for Medicare & Medicaid Services (CMS) to determine the most widely available plans with the highest rating. We figured out the best medicare advantage plans in Alabama based on plan type, if you need drug coverage and whether you want to limit out-of-pocket costs.

However, since these are general recommendations, it’s best to choose a plan that fits your needs and includes the hospitals and providers you want in its network.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Alabama.

In Alabama, the best Medicare Advantage Plan is the one that fits your needs. MoneyGeek's research shows that if you're looking for a PPO plan with drug coverage, six core benefits and a high star rating from the CMS, the Aetna Medicare Freedom Plan from the Aetna Medicare could be the best option for you.

While a PPO plan costs more, it offers greater flexibility and other benefits. You don't need a referral to see a specialist with a PPO plan. It also provides a wider network, allowing you to pick a doctor or a hospital of your choice.

While MoneyGeek analyzed the best HMO Medicare Advantage Plans in Alabama, the best one for you will depend on your needs. We found out that the VIVA Medicare Plus plan, offered by VIVA Medicare, is the top option for people looking for an HMO plan with drug coverage, six core benefits and a high CMS star rating.

The cost of an HMO is typically less compared to other plans. However, it does not allow you to seek out-of-network treatment except in an emergency. You’ll also need a referral if you want to see a specialist.

If you’re not looking for prescription Part D drug coverage in Alabama, there are many other plans available for you. MoneyGeek’s research shows that a shopper looking for a Medicare Advantage Plan with or without drug coverage, six core benefits and a high star rating from the CMS could benefit the most from VIVA Medicare Select plan offered by VIVA Medicare.

In Alabama, there are many Medicare Advantage Plans that offer low to no premiums. That said, you still may have to pay a higher amount out of pocket. MoneyGeek’s research shows that if you’re looking for a Medicare Advantage Plan with a low in-network max out-of-pocket limit, drug coverage, six core benefits and a high star rating from the CMS, the Aetna Medicare Freedom Plan by Aetna Medicare could be the best option.

MoneyGeek found out that there are 10 healthcare organizations offering Medicare Advantage Plans in Alabama. We researched the following statistics on Medicare Advantage Plans in Alabama to help you figure out what plan components are rare versus common.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Alabama were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Alabama based on county availability.