2026 Medicare Advantage Plans in Lawrence County, AL
Last update: . Enrollment data updated: May 2, 2026
In Lawrence County, AL, there are 33 Medicare Advantage plans available for 2026. Of these, 20 offer a $0 monthly premium, and about 42% are rated 4 stars or higher based on CMS quality ratings.
Medicare Advantage Special Needs Plans (SNPs) are not included in the figures shown above. View Special Needs Plans in Lawrence County, AL. Or explore all Medicare Options available in Lawrence 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 20
- Average Monthly Premium $26.36/mo
- Total PPO Enrollment 1,469
- $0 Premium PPO Plans 11
- Average MOOP $5,288
- Top PPO by Enrollment Blue Advantage Complete (PPO) — 616 enrollees
- PPO Plans Without Drug Coverage 3
What is the total number of PPO plans offered in Lawrence?
There are 20 PPO plans in 2026, covering 1,469 beneficiaries.
How much do PPO plans cost in Lawrence?
The average PPO premium in Lawrence is $26.36 per month, with 11 plans offering $0 premiums.
What is the most popular PPO plan in Lawrence?
Blue Advantage Complete (PPO) is the top PPO in Lawrence, with 616 enrollees.
What is the number of PPO plans without Part D coverage in Lawrence?
There are 3 PPO plans in Lawrence 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
- 8
- Average Monthly Premium
- $5.00/mo
- Total HMO Enrollment
- 500
- $0 Premium HMO Plans
- 6
- Average MOOP
- $5,450
- Top HMO by Enrollment
- HealthSpring Preferred (HMO) — 212 enrollees
- HMO Plans Without Drug Coverage
- 2
| Health Plan Name | CMS Rating* | Premium Per Mo | MOOP | PDP Ded. | CMS Plan ID |
|---|---|---|---|---|---|
| HealthSpring Courage | $0 | $5,750 | N/A | H4513-045-0 | |
| HealthSpring Preferred | $0 | $4,900 | $200 | H4513-077-2 | |
| HealthSpring Preferred Plus | $20 | $4,750 | $200 | H4513-087-2 | |
| 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 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 average monthly premium for HMO plans?
HMO plans in Lawrence cost $5.00 per month on average.
Which HMO plan is most popular in Lawrence?
The most popular HMO plan in Lawrence is HealthSpring Preferred (HMO), with 212 enrollees.
How many HMO plans in Lawrence do not include drug coverage?
There are 2 HMO plans in Lawrence without prescription drug coverage.
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.
| 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 leading HMO-POS plan in Lawrence?
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) is the top HMO-POS in Lawrence, with 140 enrollees.
What is the number of HMO-POS plans without Part D coverage in Lawrence?
1 HMO-POS plans in Lawrence do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Lawrence 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) | 14 | 42% |
| 3 Stars | 19 | 58% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.76 | |
* 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 May 2, 2026
- CMS.gov, Medicare Part C & D Performance Data — Last accessed May 2, 2026
- CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Last accessed May 2, 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 .
- Medicare.gov, "Compare types of Medicare Advantage Plans" — 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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