2026 Medicare Advantage Plans in Montgomery County, AL
Last update: . Enrollment data updated: June 13, 2026
For 2026, Montgomery County, AL includes 36 Medicare Advantage plans. Enrollment across these plans totals approximately 12,320, with 24 $0 premium options and 44% rated 4 stars or higher.
This page and its statistics exclude Medicare Advantage Special Needs Plans (SNPs). Special Needs Plans in Montgomery County, AL are summarized separately. Visit Medicare Options in Montgomery 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
- 17
- Average Monthly Premium
- $22.35/mo
- Total PPO Enrollment
- 5,410
- $0 Premium PPO Plans
- 10
- Average MOOP
- $5,044
- Top PPO by Enrollment
- Blue Advantage Complete (PPO) — 2,158 enrollees
- PPO Plans Without Drug Coverage
- 3
What is the average monthly premium for PPO plans in Montgomery?
PPO plans in Montgomery cost $22.35 per month on average.
Which PPO plan has the highest enrollment in Montgomery?
The most popular PPO plan in Montgomery is Blue Advantage Complete (PPO), with 2,158 enrollees.
How many PPO plans in Montgomery do not include prescription drug coverage?
3 PPO plans in Montgomery do not include prescription drug coverage.
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 14
- Average Monthly Premium $9.93/mo
- Total HMO Enrollment 3,779
- $0 Premium HMO Plans 11
- Average MOOP $6,268
- Top HMO by Enrollment VIVA Medicare Plus (HMO) — 1,939 enrollees
- HMO Plans Without Drug Coverage 3
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | Plan-ID |
|---|---|---|---|---|---|
| HealthSpring Courage | $0 | $5,750 | N/A | H4513-045-0 | |
| HealthSpring Preferred | $0 | $4,900 | $200 | H4513-077-4 | |
| HealthSpring Preferred AL | $0 | $6,900 | $590 | H4513-046-1 | |
| HealthSpring Preferred Plus | $20 | $4,750 | $200 | H4513-087-4 | |
| 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 | H0154-015-1 | |
| 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 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 Montgomery?
VIVA Medicare Plus (HMO) is the top HMO in Montgomery, with 1,939 enrollees.
What is the number of HMO plans without Part D coverage in Montgomery?
3 HMO plans in Montgomery do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
HMO-POS plans are structured like HMOs, requiring in-network care for the lowest costs, while allowing limited out-of-network access at higher cost. This provides added flexibility compared with standard HMO plans.
- Total HMO-POS Plans
- 5
- Average Monthly Premium
- $14.20/mo
- Total HMO-POS Enrollment
- 3,131
- $0 Premium HMO-POS Plans
- 3
- Average MOOP
- $5,760
- Top HMO-POS by Enrollment
- AARP Medicare Advantage from UHC AL-0003 (HMO-POS) — 2,328 enrollees
- HMO-POS Plans Without Drug Coverage
- 1
| Plan Name | Rating* | Premium | MOOP | Rx Ded. | 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 typical premium for HMO-POS plans in Montgomery?
HMO-POS plans in Montgomery cost $14.20 per month on average.
Which HMO-POS plan has the most members in Montgomery?
The most popular HMO-POS plan in Montgomery is AARP Medicare Advantage from UHC AL-0003 (HMO-POS), with 2,328 enrollees.
How many HMO-POS options are offered without prescription drug coverage in Montgomery?
There are 1 HMO-POS plans in Montgomery without prescription drug coverage.
CMS quality ratings for Medicare Advantage plans in Montgomery 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) | 16 | 44% |
| 3 Stars | 20 | 56% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.74 | |
* 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, "Compare Original Medicare & Medicare Advantage" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 25 May, 2025
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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.