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  1. 🏠
  2. Medicare Advantage Plans
  3. Alabama
  4. Clay County

2027 Medicare Advantage Plans in Clay County, AL

Last update: October 4, 2026.

For 2027, Clay County, AL includes 30 Medicare Advantage plans. Enrollment across these plans totals approximately 995, with 21 $0 premium options and 47% rated 4 stars or higher.

  • PPO Plans
  • HMO Plans
  • HMO-POS Plans

At a Glance

County-level summary of Medicare Advantage plan availability and enrollment based on CMS data.

Average Monthly Premium
$11.98/mo
Plans with $0 Premium
21
Average MOOP Limit
$6,375 ($9,250 max. in 2027)
Star Ratings (Plan Mix)
4+ Stars: 47% · 3 Stars: 53% · Below 3: 0%
Average Part D Deductible
$619.46
Total MA/MAPD Enrollment
995
Plans with the Highest Enrollment
(as of October 5, 2026)
1. Blue Advantage Complete (PPO) — 397 enrollees
2. AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS) — 130 enrollees
3. AARP Medicare Advantage from UHC AL-0001 (HMO-POS) — 78 enrollees

This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Clay County, AL are summarized separately. Visit Medicare Options in Clay County, AL to see more options. For a broader perspective, explore Alabama Medicare Advantage plans, including statewide premiums, out-of-pocket costs, CMS ratings, and enrollment comparisons.

Medicare Advantage PPO Plans

Preferred Provider Organization (PPO) plans allow members to use both in-network and out-of-network providers. Out-of-network care typically costs more, but PPOs offer greater flexibility in how care is accessed.

Total PPO Plans
16
Average Monthly Premium
$14.72/mo
Total PPO Enrollment
589
$0 Premium PPO Plans
10
Average MOOP
$6,294
Top PPO by Enrollment
Blue Advantage Complete (PPO) — 397 enrollees
PPO Plans Without Drug Coverage
3

Comparison table of 2027 PPO Medicare Advantage Plans available in Clay County, Alabama
PPO Plan Name Rating* Premium MOOP Rx Ded. 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
Humana Value Plus H7617-089
☆☆☆☆☆
$1 $6,200 $400 H7617-089-0
HumanaChoice H7617-090
☆☆☆☆☆
$34 $3,250 $700 H7617-090-0
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
Humana Value Plus H5216-179
☆☆☆☆☆
$0 $6,200 $400 H5216-179-0
HumanaChoice H5216-368
☆☆☆☆☆
$28 $3,250 $700 H5216-368-0
AARP Medicare Advantage from UHC AL-0004
☆☆☆☆☆
$10 $7,150 $685 H1889-015-0
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

How much do PPO plans cost in Clay?

PPO plans in Clay cost $14.72 per month on average.

What is the most popular PPO plan in Clay?

The most popular PPO plan in Clay is Blue Advantage Complete (PPO), with 397 enrollees.

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

3 PPO plans in Clay do not include prescription drug coverage.

Medicare Advantage HMO Plans

Health Maintenance Organization (HMO) plans are built around a defined network of doctors and hospitals. Care is generally covered only within the network, except in emergencies, but this structure often results in lower premiums and out-of-pocket costs.

Total HMO Plans
7
Average Monthly Premium
$5.14/mo
Total HMO Enrollment
142
$0 Premium HMO Plans
6
Average MOOP
$6,409
Top HMO by Enrollment
Humana Gold Plus H4461-078 (HMO) — 49 enrollees
HMO Plans Without Drug Coverage
1

Comparison table of 2027 HMO Medicare Advantage Plans available in Clay County, Alabama
Plan Name Rating* Premium MOOP Rx Ded. 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
Aetna Medicare Signature Care
☆☆☆☆☆
$0 $6,750 $400 H3239-020-0
DEVOTED CORE 001 AL
☆☆☆☆☆
$0 $5,700 $465 H3080-001-0
DEVOTED GIVEBACK 002 AL
☆☆☆☆☆
$0 $9,850 $461 H3080-002-0

Which HMO plan is most popular in Clay?

The most popular HMO plan in Clay is Humana Gold Plus H4461-078 (HMO), with 49 enrollees.

How many HMO plans in Clay do not include drug coverage?

There are 1 HMO plans in Clay without prescription drug coverage.

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 7
  • Average Monthly Premium $12.57/mo
  • Total HMO-POS Enrollment 264
  • $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) — 130 enrollees
  • HMO-POS Plans Without Drug Coverage 2

Comparison table of 2027 HMO-POS Medicare Advantage Plans available in Clay County, Alabama
Plan Name Rating* Premium MOOP Rx Ded. 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

How much do HMO-POS plans cost in Clay?

HMO-POS plans in Clay cost $12.57 per month on average.

What is the leading HMO-POS plan in Clay?

The most popular HMO-POS plan in Clay is AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS), with 130 enrollees.

What is the number of HMO-POS plans without Part D coverage in Clay?

There are 2 HMO-POS plans in Clay without prescription drug coverage.

What is the total number of HMO-POS plans in Clay?

Clay offers 7 HMO-POS plans for 2027, with 264 enrollees.

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

CMS Star Ratings for Medicare Advantage Plans in Clay County, AL (2027)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 14 47%
3 Stars 16 53%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.87

* CMS assigns Medicare Advantage star ratings annually based on plan quality and performance measures.

Medicare Advantage plans listed on this page are available to eligible beneficiaries residing in Clay County, Alabama, including communities such as Ashland, Delta, Lineville, and other areas throughout the county. Plan availability is determined by county of residence, not by city.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202609
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-09

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 .

  • Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
  • NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 is documented in accordance 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.

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