How to Find the Best Alabama Medicare Advantage Plans

If you’re looking for a Medicare Advantage Plan in Alabama, the best option for you is the one that offers the benefits and coverages that fit your needs. Keeping in mind broad benefits and widespread availability, MoneyGeek summarized the top-rated plans in the state and found that the VIVA Medicare Plus is the best HMO plan while the Aetna Medicare Freedom Plan is the best PPO plan.

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Last Updated: 9/23/2022
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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.

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Best Medicare Advantage Plans in Alabama

Best Medicare Advantage Plan in Alabama - Overall

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.

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MoneyGeek Top Pick
Aetna Medicare

MoneyGeek determined that the Aetna Medicare Freedom Plan from the Aetna Medicare could be a good option for people looking for a PPO plan. However, the best option for you might be different depending on your needs.

Here are the details about the Aetna Medicare Freedom Plan:

  • No Monthly Premium
  • Includes drug coverage with an annual deductible of $150
  • In-network maximum out-of-pocket limit of $6,400
  • Overall CMS star rating of 4.5 out of 5

The Aetna Medicare Freedom Plan offers all the six common additional benefits, including vision, dental, hearing, fitness, worldwide emergency and telehealth. It also offers Part D drug coverage and has a high CMS rating.

Since this plan includes worldwide emergency benefits, it’s a good option for travelers.

Best HMO Medicare Advantage Plan in Alabama

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.

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MoneyGeek Top Pick
Viva Medicare

While MoneyGeek chose VIVA Medicare Plus by VIVA Medicare as the best HMO Medicare Advantage Plan in Alabama, the best option for you will depend on your needs.

Here are the details of the VIVA Medicare Plus plan:

  • No Monthly Premium
  • Includes drug coverage
  • An in-network maximum out-of-pocket limit of $5,900
  • Has a 5 out of 5 overall CMS star rating

With the VIVA Medicare Plus Plan, you get all six common benefits like vision, dental, hearing, fitness, worldwide emergency and telehealth. This plan also offers Part D drug coverage and has a high CMS star rating.

Best Medicare Advantage Plan in Alabama Without Drug Coverage

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.

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MoneyGeek Top Pick
Viva Medicare

MoneyGeek found that the VIVA Medicare Select plan offered by VIVA Medicare is the best option for people looking for a plan with or without drug coverage. This plan does not offer Part D prescription drug coverage.

Here are its other details:

  • No Monthly Premium
  • Has a max in-network out-of-pocket limit of $4,500
  • A High overall CMS star rating of 5 out of 5

With a high star rating from the CMS, the VIVA Medicare Select plan also includes the six most common benefits, including vision, dental, telehealth, worldwide emergency, fitness and hearing.

Best Medicare Advantage Plan in Alabama for Low Max Out-of-Pocket Costs

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.

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MoneyGeek Top Pick
Aetna Medicare

By excluding health plans with high max out-of-pocket limits, MoneyGeek found that Aetna Medicare Freedom Plan is the best option for people looking for a plan with or without drug coverage.

Here are the key details of this plan:

  • No monthly premium
  • Has an in-network max out-of-pocket limit of $6,400
  • Overall CMS star rating of 4.5 out of 5

If you have a plan with a lower max out-of-pocket limit, you won’t have to cover excessive costs in case of high medical expenses in a given year. With Aetna Medicare Freedom Plan, you won’t have to pay for in-network coverage after you reach the max out-of-pocket limit of $6,400. Since it’s a PPO plan, the max out-of-pocket limit for out-of-network coverage is different. It’s $11,300 for this plan.

Medicare Advantage Plan in Alabama - Statistics

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.

1

Alabama Medicare Advantage Plans are a mix of HMO, MSA and PPO, with 68.2% offering drug coverage

In Alabama, 55.0% of the offered plans are Preferred Provider Organization plans, while 35.7% are Health Maintenance Organization plans and 9.4% are Medical Savings Account plans. We found that 68.2% plans offer drug coverage.

2

70% of Medicare Advantage Plans in Alabama have a $0 premium

MoneyGeek’s research shows that there are 40 health plans in Alabama with a $0 premium, which means 70% of all available health plans in the state offer a $0 premium. On average, it costs $67.80 to buy plans that do not offer free premiums.

3

Vision, dental, hearing, fitness and telehealth benefits are common in Alabama, with most plans offering them

We found that most health plans in the state offer vision, dental, hearing, fitness and telehealth benefits. On the other hand, it’s rare to find a plan offering in-home support, emergency response device and home safety device & modifications.

Expert Advice: Finding the Best Medicare Advantage Plan in Alabama

  1. 1. What types of Medicare Advantage Plans are offered in Alabama?
  2. 2. What is the best way to shop around for Medicare Advantage plans in Alabama?
  3. 3. What types of Medicare Advantage Plans are offered in Alabama?
  4. 4. What is the best way to shop around for Medicare Advantage plans in Alabama?
Monica Aswani
Monica Aswani

Assistant Professor in the Department of Health Services Administration at University of Alabama at Birmingham

Methodology

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.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.