Best Medicare Advantage Plans in Alabama (2027)

Humana is the best Medicare Advantage company in Alabama for 2027, with statewide availability, low out-of-pocket limits, multiple network options and strong quality ratings. Its HMO plans have a $4,900 median maximum out-of-pocket (MOOP) limit, $1,600 below Alabama's $6,500 HMO median. Its PPO median of $4,450 is also $2,700 below the statewide PPO median of $7,150.

Humana has 15 plans across all 67 counties, including HMOs, PPOs and Regional PPOs. Its 4-star median CMS quality rating exceeds Alabama's 3.89-star average, while its CAHPS member satisfaction rating of 88 is above the statewide average of 87.

Only 60% of Humana plans have $0 monthly premiums, compared to 83% statewide, with premiums for its remaining plans ranging from $2 to $58 per month. All but one of its plans include dental benefits, and every plan includes vision and hearing coverage. Its $2,500 median dental benefit is the highest in the state.

Blue Cross and Blue Shield of Alabama sells three PPO Medicare Advantage plans across all 67 counties for 2027, each with a $0 monthly premium. Its $6,000 median maximum out-of-pocket (MOOP) limit is $1,150 below Alabama's PPO median of $7,150. Quality ratings are another advantage. Blue Cross and Blue Shield of Alabama has a 4-star average CMS rating and a CAHPS member satisfaction rating of 88 out of 100.

All three plans include dental, vision and hearing benefits, though some coverage limits are modest. The carrier's $650 median annual dental benefit maximum is the lowest in the state and well below competitors like Aetna's $2,000. Hearing aid benefits are copay-only with copays starting at $499 per aid. Its vision allowance of $100 is also the lowest in the state.

Aetna Medicare has extensive supplemental benefits across its eight Alabama Medicare Advantage plans for 2027. All include dental coverage with annual maximums ranging from $1,500 to as high as $4,000 on the Eagle Plus PPO. Every plan also includes a $1,000 hearing aid allowance, while vision benefits reach $400.

Six of Aetna's eight plans have $0 monthly premiums. Primary care copays are $15 across all plans, while specialist copays range from $20 to $35 per visit. The Signature Care HMO is available in 55 of Alabama’s 67 counties, the carrier’s most widely available individual plan.

Aetna's PPO plans have a 4-star CMS rating, but its HMO plans drop to a 3.5-star rating. Its HMO plans have a $6,325 median MOOP, $175 below Alabama's $6,500 HMO median. Its PPO median of $8,400 is less competitive, exceeding the state PPO median of $7,150 by $1,250.

Devoted Health has 13 Medicare Advantage plans in Alabama for 2027, all with $0 monthly premiums. Several of its PPO plans have a 4.5-star CMS rating and a CAHPS member satisfaction rating of 90 out of 100, but its remaining PPO plans and its HMO plans have lower CMS ratings of 3.5 stars. The carrier's most widely available plan serves 43 counties, though the carrier is available in 47 counties.

Supplemental benefits vary widely across Devoted's plans. Vision allowances reach $400, while select plans include up to $428 annually for over-the-counter purchases. Dental benefit maximums range from just $250 to $2,750, though its median $2,000 dental benefit is tied with Aetna Medicare as the second-highest in the state.

Hearing benefits are less generous, with no fixed hearing aid allowance and copays ranging from $399 to $899 per device. Primary care visits are free on one plan but cost $15 per visit on the rest of its plans.

HealthSpring offers six Medicare Advantage plans across 29 Alabama counties for 2027, including five HMOs and one PPO. Four of its HMO plans and its PPO plan have $0 monthly premiums, while the remaining HMO plan has a modest $10 monthly premium. Its HMO plans have a $6,200 median maximum out-of-pocket (MOOP) limit, $300 below Alabama's HMO median. The Preferred Plus HMO plan has the carrier's lowest maximum out-of-pocket limit at $4,750.

Primary care copays are $15 across all plans, while two HMOs charge just $10 for specialist visits. All plans include dental and vision benefits, and its HMO plans all include hearing benefits with copays from $399 to $1,800 per hearing aid.

Quality ratings trail state averages. HealthSpring's median CMS rating is 3.5 stars, while its median CAHPS rating of 86 is below the state average of 87.

VIVA Medicare has the highest member satisfaction rating among Alabama's Medicare Advantage carriers for 2027. Its median CAHPS rating of 90 exceeds the state average of 87, while its 4-star CMS rating is also above the state average.

All five of its HMO plans have $0 monthly premiums and include dental, vision and hearing benefits. Dental maximums reach $1,400 and annual OTC allowances range from $120 to $280. Hearing aid copays range from $500 to $1,975 per device.

Out-of-pocket costs are less competitive. VIVA's $9,250 median maximum out-of-pocket (MOOP) limit is the highest in the state and exceeds Alabama's HMO median by $2,750. Its $35 median specialist copay is also $10 above the statewide HMO benchmark.

UnitedHealthcare has Medicare Advantage plans in 66 of Alabama's 67 counties for 2027, one of the state's most widely available carriers. Its eight plans include seven HMO-POS options and one PPO, with all but one of its HMO-POS plans at $0 per month. It's remaining HMO-POS plan has a small $4 monthly premium.

UnitedHealthcare is the only HMO-POS Medicare Advantage provider in the state. Unlike traditional HMO plans, HMO-POS plans allow you to receive certain services from out-of-network providers, usually at a higher cost, while maintaining the lower-cost in-network structure of an HMO.  

The carrier's 3.5-star median CMS rating falls below the state average, and its $7,150 median MOOP limit is the fourth-highest in the state. Supplemental coverage is  also mixed. Every plan includes vision and hearing benefits, with a $700 median hearing aid allowance, but only 62% of its plans include dental coverage, well below Alabama's 93% statewide rate.