2026 Medicare Advantage Plans in Saint Clair County, AL
Last update: . Enrollment data updated: May 2, 2026
In Saint Clair County, AL, there are 39 Medicare Advantage plans available for 2026. Of these, 26 offer a $0 monthly premium, and about 51% 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 Saint Clair County, AL. Or explore all Medicare Options available in Saint Clair 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 $20.16/mo
- Total PPO Enrollment 3,423
- $0 Premium PPO Plans 12
- Average MOOP $5,590
- Top PPO by Enrollment Blue Advantage Complete (PPO) — 2,036 enrollees
- PPO Plans Without Drug Coverage 4
What is the total number of PPO plans offered in Saint Clair?
There are 20 PPO plans in 2026, covering 3,423 beneficiaries.
How much do PPO plans cost in Saint Clair?
The average PPO premium in Saint Clair is $20.16 per month, with 12 plans offering $0 premiums.
What is the most popular PPO plan in Saint Clair?
Blue Advantage Complete (PPO) is the top PPO in Saint Clair, with 2,036 enrollees.
What is the number of PPO plans without Part D coverage in Saint Clair?
There are 4 PPO plans in Saint Clair 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
- 14
- Average Monthly Premium
- $9.93/mo
- Total HMO Enrollment
- 4,180
- $0 Premium HMO Plans
- 11
- Average MOOP
- $6,314
- Top HMO by Enrollment
- VIVA Medicare Plus (HMO) — 2,276 enrollees
- HMO Plans Without Drug Coverage
- 3
| 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 | $4,750 | $200 | H4513-077-1 | |
| HealthSpring Preferred AL | $0 | $8,850 | $590 | H4513-046-2 | |
| HealthSpring Preferred Full Savings | $0 | $5,600 | $500 | H4513-088-0 | |
| HealthSpring Preferred Plus | $20 | $4,750 | $200 | H4513-087-1 | |
| 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 | |
| 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 average monthly premium for HMO plans?
HMO plans in Saint Clair cost $9.93 per month on average.
Which HMO plan is most popular in Saint Clair?
The most popular HMO plan in Saint Clair is VIVA Medicare Plus (HMO), with 2,276 enrollees.
How many HMO plans in Saint Clair do not include drug coverage?
There are 3 HMO plans in Saint Clair 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 Saint Clair?
AARP Medicare Advantage from UHC AL-0003 (HMO-POS) is the top HMO-POS in Saint Clair, with 951 enrollees.
What is the number of HMO-POS plans without Part D coverage in Saint Clair?
1 HMO-POS plans in Saint Clair do not include prescription drug coverage.
The table below shows CMS star ratings for Medicare Advantage plans in Saint Clair 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) | 20 | 51% |
| 3 Stars | 19 | 49% |
| 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 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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