2026 Medicare Advantage Plans in Cherokee County, AL
Last update: . Enrollment data updated: June 13, 2026
For 2026, Cherokee County, AL includes 34 Medicare Advantage plans. Enrollment across these plans totals approximately 2,639, with 23 $0 premium options and 50% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Cherokee County, AL are summarized separately. Visit Medicare Options in Cherokee County, AL to see more options.
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. Out-of-network care usually costs more, but PPOs offer greater flexibility in how members access care.
- Total PPO Plans
- 16
- Average Monthly Premium
- $21.74/mo
- Total PPO Enrollment
- 1,549
- $0 Premium PPO Plans
- 10
- Average MOOP
- $6,113
- Top PPO by Enrollment
- Blue Advantage Complete (PPO) — 514 enrollees
- PPO Plans Without Drug Coverage
- 4
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Plus | $0 | $7,900 | N/A | H5521-229-0 | |
| Aetna Medicare Signature Plus | $0 | $8,900 | $615 | H5521-227-0 | |
| Aetna Medicare Value Plus | $23 | $9,250 | $615 | H5521-467-0 | |
| HumanaChoice H7617-090 | $20 | $3,000 | $615 | H7617-090-0 | |
| AARP Medicare Advantage from UHC AL-0004 | $0 | $6,700 | $600 | H1889-015-0 | |
| Blue Advantage Choice | $0 | $6,150 | $325 | H0104-016-0 | |
| Blue Advantage Complete | $36 | $5,900 | $200 | H0104-012-0 | |
| Blue Advantage Premier | $163 | $2,900 | $0 | H0104-015-0 | |
| DEVOTED CHOICE 001 AL | $0 | $6,200 | $375 | H9888-001-0 | |
| DEVOTED CHOICE GIVEBACK 005 AL | $0 | $7,900 | $605 | H9888-005-0 | |
| DEVOTED CHOICE MA ONLY 007 AL | $0 | $7,900 | N/A | H9888-007-0 | |
| Humana USAA Honor Giveback | $0 | $4,150 | N/A | H5216-236-0 | |
| HumanaChoice H5216-368 | $20 | $3,000 | $615 | H5216-368-0 | |
| HumanaChoice R0110-017 | $0 | $4,650 | N/A | R0110-017-0 | |
| HumanaChoice R0110-018 | $86 | $6,500 | $590 | R0110-018-0 | |
| HealthSpring True Choice | $0 | $6,800 | $250 | H7849-143-0 |
- What is the typical premium for PPO plans available in Cherokee?
- The typical PPO premium in Cherokee is $21.74, and 10 plans have no monthly premium.
- Which PPO plan do most beneficiaries choose in Cherokee?
- Blue Advantage Complete (PPO) has the highest PPO enrollment in Cherokee, with 514 enrollees.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use in-network doctors, hospitals, and other providers, except in emergencies. Because of this structure, HMOs often have lower premiums and out-of-pocket costs than other plan types.
- Total HMO Plans 13
- Average Monthly Premium $10.69/mo
- Total HMO Enrollment 937
- $0 Premium HMO Plans 10
- Average MOOP $6,119
- Top HMO by Enrollment HealthSpring Preferred Full Savings (HMO) — 204 enrollees
- HMO Plans Without Drug Coverage 3
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| HealthSpring Courage | $0 | $5,750 | N/A | H4513-045-0 | |
| HealthSpring Preferred | $0 | $4,750 | $200 | H4513-077-1 | |
| HealthSpring Preferred Full Savings | $0 | $5,600 | $500 | H4513-088-0 | |
| HealthSpring Preferred Plus | $20 | $4,750 | $200 | H4513-087-1 | |
| Humana Gold Plus H4461-078 | $0 | $6,100 | $590 | H4461-078-0 | |
| Humana Gold Plus H4461-079 | $20 | $4,450 | $615 | H4461-079-0 | |
| Humana USAA Honor Giveback | $0 | $4,150 | N/A | H4461-075-0 | |
| VIVA Medicare Plus | $0 | $9,250 | $350 | H0154-015-2 | |
| VIVA Medicare Premier | $99 | $6,500 | $200 | H0154-011-0 | |
| VIVA Medicare Select | $0 | $9,250 | N/A | H0154-008-0 | |
| DEVOTED CORE 001 AL | $0 | $5,500 | $375 | H3080-001-0 | |
| DEVOTED GIVEBACK 002 AL | $0 | $6,750 | $605 | H3080-002-0 | |
| Humana Gold Plus H5619-089 | $0 | $6,750 | $615 | H5619-089-0 |
- What is the top HMO by enrollment in Cherokee?
- HealthSpring Preferred Full Savings (HMO) is the top HMO in Cherokee, with 204 enrollees.
- What is the number of HMO plans without Part D coverage in Cherokee?
- 3 HMO plans in Cherokee do not include prescription drug coverage.
- What is the total number of HMO plans offered in Cherokee?
- There are 13 HMO plans in 2026, covering 937 enrollees.
- How much do HMO plans cost in Cherokee?
- The average HMO premium in Cherokee is $10.69 per month, with 10 plans offering $0 premiums.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine HMO network requirements 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 5
- Average Monthly Premium $14.20/mo
- Total HMO-POS Enrollment 153
- $0 Premium HMO-POS Plans 3
- Average MOOP $5,760
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 101 enrollees
- HMO-POS Plans Without Drug Coverage 1
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC AL-0003 | $0 | $5,900 | $440 | H2802-041-0 | |
| AARP Medicare Advantage from UHC AL-6 | $31 | $4,900 | $440 | H2802-079-0 | |
| AARP Medicare Advantage from UHC AL-0001 | $0 | $6,700 | $600 | H0432-003-0 | |
| AARP Medicare Advantage from UHC AL-0002 | $40 | $5,400 | $440 | H0432-004-0 | |
| AARP Medicare Advantage Patriot No Rx AL-MA01 | $0 | $5,900 | N/A | H0432-012-0 |
How many HMO-POS plans are available in Cherokee?
Cherokee offers 5 HMO-POS plans for 2026, with 153 enrollees.
What is the average monthly premium for HMO-POS plans?
HMO-POS plans in Cherokee cost $14.20 per month on average.
Which HMO-POS plan is most popular in Cherokee?
The most popular HMO-POS plan in Cherokee is AARP Medicare Advantage from UHC AL-0003 (HMO-POS), with 101 enrollees.
CMS quality ratings for Medicare Advantage plans in Cherokee County, AL (2026) are summarized below.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 17 | 50% |
| 3 Stars | 17 | 50% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.78 | |
* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.
- CMS.gov, Medicare Advantage Landscape Source Files — Last accessed June 13, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed June 13, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed June 13, 2026
All plan counts, enrollment totals, averages, and percentage distributions are calculated at the county level using CMS data and include standard Medicare Advantage (MA/MAPD) plans only, based on a consistent aggregation methodology.
Data sources and methodology documentation .
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
MedicarePlans.com is an independent, non-government informational resource and is not affiliated with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard .
Page content independently curated and maintained by David W. Bynon, Editorial Steward, using a standardized, data-driven methodology for accurate, non-commercial Medicare plan interpretation and resolution.