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

2026 Medicare Advantage Plans in Madison County, AL

Last update: September 1, 2026.

In Madison County, AL, there are 40 Medicare Advantage plans available for 2026. Of these, 26 offer a $0 monthly premium, and about 50% 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 Madison County, AL. Or explore all Medicare Options available in Madison County, AL.

  • 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
$18.43/mo
Plans with $0 Premium
26
Average MOOP Limit
$5,889 ($9,250 max. in 2026)
Star Ratings (Plan Mix)
4+ Stars: 50% · 3 Stars: 50% · Below 3: 0%
Average Part D Deductible
$485.78
Total MA/MAPD Enrollment
22,143
Plans with the Highest Enrollment
(as of September 8, 2026)
1. Blue Advantage Complete (PPO) — 5,385 enrollees
2. AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 2,004 enrollees
3. HealthSpring Preferred (HMO) — 1,663 enrollees

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
22
Average Monthly Premium
$23.96/mo
Total PPO Enrollment
13,746
$0 Premium PPO Plans
13
Average MOOP
$5,570
Top PPO by Enrollment
Blue Advantage Complete (PPO) — 5,385 enrollees
PPO Plans Without Drug Coverage
4

PPO Medicare Advantage plan comparison – Madison County, Alabama, 2026
Health Plan Name CMS Rating* Premium Per Mo MOOP PDP Ded. CMS Plan ID
Aetna Medicare Eagle Plus
☆☆☆☆☆
$0 $7,900 N/A H5521-229-0
Aetna Medicare Signature Giveback
☆☆☆☆☆
$0 $9,250 $615 H5521-475-0
Aetna Medicare Signature Plus
☆☆☆☆☆
$0 $8,900 $615 H5521-227-0
Aetna Medicare Value Plus
☆☆☆☆☆
$23 $9,250 $615 H5521-467-0
Humana Value Plus H7617-089
☆☆☆☆☆
$28 $3,000 $615 H7617-089-0
HumanaChoice H7617-090
☆☆☆☆☆
$20 $3,000 $615 H7617-090-0
HumanaChoice H7617-091
☆☆☆☆☆
$0 $4,000 $590 H7617-091-0
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 002 AL
☆☆☆☆☆
$0 $5,900 $375 H9888-002-0
DEVOTED CHOICE GIVEBACK 006 AL
☆☆☆☆☆
$0 $7,900 $605 H9888-006-0
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
Humana Value Plus H5216-179
☆☆☆☆☆
$28 $3,000 $615 H5216-179-0
HumanaChoice H5216-269
☆☆☆☆☆
$0 $4,000 $590 H5216-269-0
HumanaChoice H5216-368
☆☆☆☆☆
$20 $3,000 $615 H5216-368-0
HumanaChoice H5216-448
☆☆☆☆☆
$124 $1,800 $615 H5216-448-0
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 total number of PPO plans offered in Madison?

Madison County has 22 PPO plans for 2026, with 13,746 enrolled.

How much do PPO plans cost in Madison?

The typical PPO premium in Madison is $23.96, and 13 plans have no monthly premium.

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
$10.69/mo
Total HMO Enrollment
5,483
$0 Premium HMO Plans
10
Average MOOP
$6,477
Top HMO by Enrollment
HealthSpring Preferred (HMO) — 1,663 enrollees
HMO Plans Without Drug Coverage
3

HMO Medicare Advantage plan comparison – Madison County, Alabama, 2026
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 AL
☆☆☆☆☆
$0 $8,850 $590 H4513-046-2
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
VIVA Medicare Classic
☆☆☆☆☆
$0 $9,250 $350 H0154-017-0
VIVA Medicare Premier
☆☆☆☆☆
$99 $6,500 $200 H0154-011-0
VIVA Medicare Select
☆☆☆☆☆
$0 $9,250 N/A H0154-008-0
Aetna Medicare Signature Care
☆☆☆☆☆
$0 $6,750 $615 H3239-020-0
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 Madison cost $10.69 per month on average.
Which HMO plan is most popular in Madison?
The most popular HMO plan in Madison is HealthSpring Preferred (HMO), with 1,663 enrollees.
How many HMO plans in Madison do not include drug coverage?
There are 3 HMO plans in Madison 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 2,914
  • $0 Premium HMO-POS Plans 3
  • Average MOOP $5,760
  • Top HMO-POS by Enrollment AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 2,004 enrollees
  • HMO-POS Plans Without Drug Coverage 1

HMO-POS Medicare Advantage plan comparison – Madison County, Alabama, 2026
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 Madison?

There are 5 HMO-POS plans in 2026, covering 2,914 enrollees.

How much do HMO-POS plans cost in Madison?

The average HMO-POS premium in Madison is $14.20 per month, with 3 plans offering $0 premiums.

What is the leading HMO-POS plan in Madison?

AARP Medicare Advantage from UHC AL-0003 (HMO-POS) is the top HMO-POS in Madison, with 2,004 enrollees.

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

1 HMO-POS plans in Madison do not include prescription drug coverage.

The table below shows CMS star ratings for Medicare Advantage plans in Madison County, AL for 2026.

CMS Star Ratings for Medicare Advantage Plans in Madison County, AL (2026)
Rating Category Number of Plans Percent of Plans
5 Stars No 5-star plans available. 0%
4 Stars (includes 5 Stars) 20 50%
3 Stars 20 50%
Below 3 Stars 0 0%
Not Rated 0 0%
Average Rating 3.81

* Medicare Advantage star ratings are determined by CMS each year using a standardized 5-star rating system.

  • CMS.gov, Medicare Advantage & Special Needs Plan Landscape Source Files — Version: 202608
  • CMS.gov, Medicare Part C & D Performance Data — Version: 2026
  • CMS.gov, Medicare Advantage & Part D Contract and Enrollment Data — Version: 2026-08

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, "Compare types of Medicare Advantage Plans" — Last accessed 25 May, 2025
  • Medicare.gov, "Your 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.

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