2026 Medicare Advantage Plans in Clay County, AL
Last update: . Enrollment data updated: June 13, 2026
Clay County, AL has 28 Medicare Advantage plans available in 2026. These include 17 plans with no monthly premium, and roughly 39% are rated at least 4 stars based on CMS data.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Clay County, AL. Or explore all Medicare Options available in Clay County, AL.
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 $23.72/mo
- Total PPO Enrollment 726
- $0 Premium PPO Plans 9
- Average MOOP $5,706
- Top PPO by Enrollment Blue Advantage Complete (PPO) — 398 enrollees
- PPO Plans Without Drug Coverage 4
What is the most popular PPO plan in Clay?
Blue Advantage Complete (PPO) is the top PPO in Clay, with 398 enrollees.
What is the number of PPO plans without Part D coverage in Clay?
There are 4 PPO plans in Clay without prescription drug coverage.
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
- 6
- Average Monthly Premium
- $3.33/mo
- Total HMO Enrollment
- 136
- $0 Premium HMO Plans
- 5
- Average MOOP
- $5,617
- Top HMO by Enrollment
- Humana Gold Plus H4461-078 (HMO) — 46 enrollees
- HMO Plans Without Drug Coverage
- 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| 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 | |
| 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 typical premium for HMO plans in Clay?
HMO plans in Clay cost $3.33 per month on average.
Which HMO plan do most beneficiaries choose in Clay?
The most popular HMO plan in Clay is Humana Gold Plus H4461-078 (HMO), with 46 enrollees.
How many HMO options are offered without prescription drug coverage in Clay?
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 5
- Average Monthly Premium $14.20/mo
- Total HMO-POS Enrollment 259
- $0 Premium HMO-POS Plans 3
- Average MOOP $5,760
- Top HMO-POS by Enrollment AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 129 enrollees
- HMO-POS Plans Without Drug Coverage 1
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan 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 |
What is the total number of HMO-POS plans in Clay?
In 2026, Clay has 5 HMO-POS plans with 259 enrollees.
How much do HMO-POS plans cost in Clay?
The typical HMO-POS premium in Clay is $14.20, and 3 plans have no monthly premium.
Below is a breakdown of CMS star ratings for Medicare Advantage plans available in Clay County, AL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 11 | 39% |
| 3 Stars | 17 | 61% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.77 | |
* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.
- 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
County-level figures shown on this page, including plan counts, enrollment totals, averages, and percentage distributions, reflect standard Medicare Advantage (MA/MAPD) plans only and are derived from CMS datasets using a standardized aggregation methodology.
Data sources and methodology documentation .
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- Medicare.gov, "Joining a plan" — Last accessed 25 May, 2025
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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.