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2027 Medicare Advantage Plans in Cherokee County, AL

Last update: .

In Cherokee County, AL, there are 37 Medicare Advantage plans available for 2027. Of these, 26 offer a $0 monthly premium, and about 49% are rated 4 stars or higher based on CMS quality ratings.

At a Glance

Average Monthly Premium
$13.82/mo
Plans with $0 Premium
26
Average MOOP Limit
$6,673 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 49% · 3 Stars: 51% · Below 3: 0%
Average Part D Deductible
$585.07
Total MA/MAPD Enrollment
2,583
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Blue Advantage Complete (PPO) — 527 enrollees
2. Aetna Medicare Signature Plus (PPO) — 364 enrollees
3. HumanaChoice H5216-368 (PPO) — 300 enrollees

Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Cherokee County, AL. Or explore all Medicare Options available in Cherokee County, AL. To understand how local plans fit into the broader market, visit our Alabama Medicare Advantage plan directory for statewide plan counts, premiums, out-of-pocket limits, CMS ratings, and enrollment data.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow access to both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in choosing doctors and hospitals.

  • Total PPO Plans 17
  • Average Monthly Premium $15.49/mo
  • Total PPO Enrollment 1,474
  • $0 Premium PPO Plans 11
  • Average MOOP $6,679
  • Top PPO by Enrollment Blue Advantage Complete (PPO) — 527 enrollees
  • PPO Plans Without Drug Coverage 4

PPO Medicare Advantage plan comparison – Cherokee County, Alabama, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
DEVOTED CHOICE 007 AL
☆☆☆☆☆
 $0 $5,600 $650 H7028-007-0
DEVOTED CHOICE GIVEBACK 009 AL
☆☆☆☆☆
 $0 $9,850 $650 H7028-009-0
DEVOTED CHOICE GIVEBACK EXTRAS 038 AL
☆☆☆☆☆
 $0 $7,250 $700 H7028-038-0
HumanaChoice H7617-090
☆☆☆☆☆
 $34 $3,250 $700 H7617-090-0
Aetna Medicare Eagle Plus
☆☆☆☆☆
 $0 $7,900 N/A H5521-229-0
Aetna Medicare Signature Plus
☆☆☆☆☆
 $0 $7,150 $600 H5521-227-0
Aetna Medicare Value Plus
☆☆☆☆☆
 $23 $9,850 $400 H5521-467-0
Blue Advantage Choice
☆☆☆☆☆
 $0 $7,150 $700 H0104-016-0
Blue Advantage Complete
☆☆☆☆☆
 $40 $6,000 $620 H0104-012-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,150 N/A H5216-236-0
HumanaChoice H5216-368
☆☆☆☆☆
 $28 $3,250 $700 H5216-368-0
DEVOTED CHOICE 001 AL
☆☆☆☆☆
 $0 $6,200 $650 H9888-001-0
DEVOTED CHOICE GIVEBACK 005 AL
☆☆☆☆☆
 $0 $8,900 $461 H9888-005-0
DEVOTED CHOICE MA ONLY 007 AL
☆☆☆☆☆
 $0 $7,900 N/A H9888-007-0
HumanaChoice R0110-017
☆☆☆☆☆
 $0 $4,650 N/A R0110-017-0
HumanaChoice R0110-018
☆☆☆☆☆
 $124 $7,000 $700 R0110-018-0
HealthSpring True Choice
☆☆☆☆☆
 $15 $7,500 $500 H7849-143-0
What is the most popular PPO plan in Cherokee?

Blue Advantage Complete (PPO) has the highest PPO enrollment in Cherokee, with 527 enrollees.

What is the number of PPO plans without Part D coverage in Cherokee?

In Cherokee, 4 PPO plans are offered without prescription drug coverage.

What is the total number of PPO plans offered in Cherokee?

Cherokee County has 17 PPO plans for 2027, with 1,474 enrolled.

Medicare Advantage HMO Plans

HMO plans typically require members to use in-network providers and facilities, except in emergencies. In return, HMOs often offer lower monthly premiums and reduced cost-sharing.

Total HMO Plans
13
Average Monthly Premium
$12.31/mo
Total HMO Enrollment
947
$0 Premium HMO Plans
10
Average MOOP
$6,743
Top HMO by Enrollment
HealthSpring Preferred Extra Savings (HMO) — 211 enrollees
HMO Plans Without Drug Coverage
3

HMO Medicare Advantage plan comparison – Cherokee County, Alabama, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Humana Gold Plus H4461-078
☆☆☆☆☆
 $0 $6,360 $700 H4461-078-0
Humana Gold Plus H4461-079
☆☆☆☆☆
 $36 $4,900 $700 H4461-079-0
Humana USAA Honor Giveback
☆☆☆☆☆
 $0 $4,150 N/A H4461-075-0
Humana Gold Plus H5619-089
☆☆☆☆☆
 $0 $7,150 $700 H5619-089-0
VIVA Medicare Plus
☆☆☆☆☆
 $0 $9,250 $450 H0154-015-2
VIVA Medicare Premier
☆☆☆☆☆
 $99 $6,500 $350 H0154-011-0
VIVA Medicare Select
☆☆☆☆☆
 $0 $9,250 N/A H0154-008-0
DEVOTED CORE 001 AL
☆☆☆☆☆
 $0 $5,700 $465 H3080-001-0
DEVOTED GIVEBACK 002 AL
☆☆☆☆☆
 $0 $9,850 $461 H3080-002-0
HealthSpring Courage
☆☆☆☆☆
 $0 $5,750 N/A H4513-045-0
HealthSpring Preferred
☆☆☆☆☆
 $0 $5,550 $400 H4513-077-1
HealthSpring Preferred Extra Savings
☆☆☆☆☆
 $0 $8,500 $300 H4513-088-0
HealthSpring Preferred Plus
☆☆☆☆☆
 $25 $4,750 $400 H4513-087-1
How many HMO plans are available in Cherokee?
In 2027, Cherokee County has 13 HMO plans with 947 enrollees.
What is the average monthly premium for HMO plans?
The typical HMO premium in Cherokee is $12.31, and 10 plans have no monthly premium.
Which HMO plan is most popular in Cherokee?
HealthSpring Preferred Extra Savings (HMO) has the highest HMO enrollment in Cherokee, with 211 enrollees.

Medicare Advantage HMO-POS Plans

HMO Point-of-Service (HMO-POS) plans combine HMO network rules with limited out-of-network access. Care outside the network typically costs more, but HMO-POS plans provide added flexibility compared with standard HMOs.

Total HMO-POS Plans
7
Average Monthly Premium
$12.57/mo
Total HMO-POS Enrollment
162
$0 Premium HMO-POS Plans
5
Average MOOP
$6,529
Top HMO-POS by Enrollment
AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS) — 103 enrollees
HMO-POS Plans Without Drug Coverage
2

HMO-POS Medicare Advantage plan comparison – Cherokee County, Alabama, 2027
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
AARP Medicare Advantage Essentials from UHC AL-3
☆☆☆☆☆
 $0 $6,300 $685 H2802-041-0
AARP Medicare Advantage Extras from UHC AL-7
☆☆☆☆☆
 $0 $7,150 $685 H2802-087-0
AARP Medicare Advantage from UHC AL-0001
☆☆☆☆☆
 $0 $7,150 $685 H0432-003-0
AARP Medicare Advantage from UHC AL-0002
☆☆☆☆☆
 $45 $5,400 $685 H0432-004-0
AARP Medicare Advantage from UHC AL-6
☆☆☆☆☆
 $43 $5,400 $685 H2802-079-0
AARP Medicare Advantage Patriot No Rx AL-MA01
☆☆☆☆☆
 $0 $7,150 N/A H0432-012-0
AARP Medicare Advantage Patriot No Rx AL-MA2
☆☆☆☆☆
 $0 $7,150 N/A H2802-086-0
Which HMO-POS plan is most popular in Cherokee?

AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS) is the top HMO-POS in Cherokee, with 103 enrollees.

How many HMO-POS plans in Cherokee do not include drug coverage?

2 HMO-POS plans in Cherokee do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Cherokee County, AL for 2027.

Quality Ratings for Medicare Advantage Plans in Cherokee County, AL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 18 49%
3 Stars 19 51%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.82

* Star ratings are based on CMS quality measures and reflect plan performance for the 2027 rating period.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Cherokee County, Alabama, including communities such as Cedar Bluff, Centre, Gaylesville, Leesburg, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

This page presents county-level Medicare Advantage (MA/MAPD) data, including plan counts, enrollment totals, averages, and percentage distributions, derived from CMS datasets using a standardized aggregation approach.

Data sources and methodology documentation .

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Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .