County guide · Lauderdale County, AL · 2027 plan year
Original Medicare vs Medicare Advantage in Lauderdale County, AL
This guide lists 37 Medicare Advantage plans for 2027 in Lauderdale County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 37
- $0 premium
- 26 plans
- Lowest in-network limit
- $3,250
- Highest in-network limit
- $9,850
In most states, including Alabama, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Alabama can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| DEVOTED CHOICE GIVEBACK 006 AL (PPO)PPO from Devoted Health · Plan ID H9888-006 · Medicare.govIts page is set for Madison County, AL | $0 plan + Part B $209.50 (the plan pays back $134 of Part B) | $9,850 in network; $11,950 in and out of network | 3.5 of 5 | 24 services | $1,190 | $4,077 | $10,272 |
| DEVOTED GIVEBACK 002 AL (HMO)HMO from Devoted Health · Plan ID H3080-002 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $135.50 of Part B) | $9,850 in network | 3.5 of 5 | 24 services | $1,097 | $4,079 | $10,593 |
| VIVA Medicare Plus (HMO)HMO from VIVA Medicare · Plan ID H0154-015 · Medicare.govIts page is set for Calhoun County, AL | $0 plan + Part B $209.50 | $9,250 in network | 4 of 5 | 17 services | $2,514 | $4,709 | $9,699 |
| Aetna Medicare Signature Care (HMO)HMO from Aetna Medicare · Plan ID H3239-020 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $6,750 in network | 3.5 of 5 | 19 services | $2,564 | $4,848 | $10,458 |
| HealthSpring Preferred (HMO)HMO from HealthSpring · Plan ID H4513-077 · Medicare.govIts page is set for Madison County, AL | $0 plan + Part B $209.50 | $6,200 in network | 3.5 of 5 | 24 services | $2,574 | $5,064 | $9,794 |
| DEVOTED CHOICE GIVEBACK 010 AL (PPO)PPO from Devoted Health · Plan ID H7028-010 · Medicare.govIts page is set for Madison County, AL | $0 plan + Part B $209.50 (the plan pays back $132 of Part B) | $9,850 in network; $14,800 in and out of network | 4.5 of 5 | 24 services | $1,216 | $5,077 | $11,271 |
| Aetna Medicare Signature Extra Care (HMO)HMO from Aetna Medicare · Plan ID H3239-031 · Medicare.govIts page is set for Jefferson County, AL | $23 plan + Part B $209.50 | $5,900 in network | 3.5 of 5 | 19 services | $2,840 | $5,106 | $10,143 |
| HealthSpring Preferred Plus (HMO)HMO from HealthSpring · Plan ID H4513-087 · Medicare.govIts page is set for Madison County, AL | $30 plan + Part B $209.50 | $5,700 in network | 3.5 of 5 | 24 services | $2,934 | $5,344 | $9,504 |
| Humana Gold Plus H4461-078 (HMO)HMO from Humana · Plan ID H4461-078 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $6,360 in network | 4.5 of 5 | 24 services | $2,589 | $5,407 | $10,254 |
| Humana Gold Plus H5619-089 (HMO)HMO from Humana · Plan ID H5619-089 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 24 services | $2,604 | $5,497 | $10,914 |
| Humana Gold Plus H4461-079 (HMO)HMO from Humana · Plan ID H4461-079 · Medicare.govIts page is set for Jefferson County, AL | $36 plan + Part B $209.50 | $4,900 in network | 4.5 of 5 | 24 services | $3,011 | $5,649 | $8,826 |
| DEVOTED CHOICE GIVEBACK EXTRAS 039 AL (PPO)PPO from Devoted Health · Plan ID H7028-039 · Medicare.govIts page is set for Madison County, AL | $0 plan + Part B $209.50 (the plan pays back $70 of Part B) | $7,700 in network; $12,750 in and out of network | 4.5 of 5 | 24 services | $1,910 | $5,725 | $11,770 |
| Humana Value Plus H5216-179 (PPO)PPO from Humana · Plan ID H5216-179 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $6,200 in network; $8,200 in and out of network | 4 of 5 | 24 services | $2,589 | $5,809 | $10,159 |
| Humana Value Plus H7617-089 (PPO)PPO from Humana · Plan ID H7617-089 · Medicare.govIts page is set for Jefferson County, AL | $0.50 plan + Part B $209.50 | $6,200 in network; $8,200 in and out of network | 4.5 of 5 | 24 services | $2,595 | $5,815 | $10,165 |
| AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-041 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $6,300 in network | 3.5 of 5 | 24 services | $2,514 | $5,865 | $11,214 |
| Blue Advantage Complete (PPO)PPO from Blue Cross and Blue Shield of Alabama · Plan ID H0104-012 · Medicare.govIts page is set for Madison County, AL | $39.50 plan + Part B $209.50 | $6,000 in network; $10,000 in and out of network | 4 of 5 | 5 services | $3,299 | $5,896 | $11,105 |
| VIVA Medicare Premier (HMO)HMO from VIVA Medicare · Plan ID H0154-011 · Medicare.govIts page is set for Jefferson County, AL | $99 plan + Part B $209.50 | $6,500 in network | 4 of 5 | 17 services | $3,702 | $5,917 | $10,532 |
| AARP Medicare Advantage from UHC AL-0001 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0432-003 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 24 services | $2,514 | $5,937 | $12,064 |
| HumanaChoice H5216-269 (PPO)PPO from Humana · Plan ID H5216-269 · Medicare.govIts page is set for Mobile County, AL | $0 plan + Part B $209.50 | $4,450 in network; $6,700 in and out of network | 4 of 5 | 24 services | $2,999 | $5,960 | $9,364 |
| HumanaChoice H7617-091 (PPO)PPO from Humana · Plan ID H7617-091 · Medicare.govIts page is set for Mobile County, AL | $0 plan + Part B $209.50 | $4,450 in network; $6,700 in and out of network | 4.5 of 5 | 24 services | $2,999 | $5,960 | $9,364 |
| AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-087 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 24 services | $2,514 | $6,040 | $12,064 |
| AARP Medicare Advantage from UHC AL-0002 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0432-004 · Medicare.govIts page is set for Jefferson County, AL | $45 plan + Part B $209.50 | $5,400 in network | 3.5 of 5 | 24 services | $3,054 | $6,131 | $10,854 |
| HumanaChoice H5216-368 (PPO)PPO from Humana · Plan ID H5216-368 · Medicare.govIts page is set for Jefferson County, AL | $27.50 plan + Part B $209.50 | $3,250 in network; $6,200 in and out of network | 4 of 5 | 24 services | $3,162 | $6,196 | $8,494 |
| AARP Medicare Advantage from UHC AL-6 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-079 · Medicare.govIts page is set for Jefferson County, AL | $43 plan + Part B $209.50 | $5,400 in network | 3.5 of 5 | 24 services | $3,030 | $6,232 | $10,830 |
| DEVOTED CHOICE 002 AL (PPO)PPO from Devoted Health · Plan ID H9888-002 · Medicare.govIts page is set for Madison County, AL | $0 plan + Part B $209.50 | $5,900 in network; $10,100 in and out of network | 3.5 of 5 | 24 services | $2,636 | $6,250 | $10,814 |
| HumanaChoice H7617-090 (PPO)PPO from Humana · Plan ID H7617-090 · Medicare.govIts page is set for Jefferson County, AL | $34 plan + Part B $209.50 | $3,250 in network; $6,200 in and out of network | 4.5 of 5 | 24 services | $3,240 | $6,274 | $8,572 |
| Blue Advantage Choice (PPO)PPO from Blue Cross and Blue Shield of Alabama · Plan ID H0104-016 · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 | $7,150 in network; $10,000 in and out of network | 4 of 5 | 5 services | $2,981 | $6,302 | $11,523 |
| DEVOTED CHOICE 008 AL (PPO)PPO from Devoted Health · Plan ID H7028-008 · Medicare.govIts page is set for Madison County, AL | $0 plan + Part B $209.50 | $5,600 in network; $10,750 in and out of network | 4.5 of 5 | 24 services | $2,606 | $6,385 | $10,514 |
| HumanaChoice R0110-018 (Regional PPO)Regional PPO from Humana · Plan ID R0110-018 · Medicare.govIts page is set for Shelby County, TN | $124 plan + Part B $209.50 | $7,000 in network; $9,800 in and out of network | 3.5 of 5 | 24 services | $4,487 | $7,505 | $12,669 |
| AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H0432-012 · No drug coverage · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $190 of Part B) | $7,150 in network | 3.5 of 5 | 24 services | $522 | $8,596 | $28,850 |
| DEVOTED CHOICE MA ONLY 007 AL (PPO)PPO from Devoted Health · Plan ID H9888-007 · No drug coverage · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $184.70 of Part B) | $7,900 in network; $10,000 in and out of network | 3.5 of 5 | 24 services | $631 | $8,955 | $28,479 |
| AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H2802-086 · No drug coverage · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $170 of Part B) | $7,150 in network | 3.5 of 5 | 24 services | $762 | $8,991 | $29,200 |
| VIVA Medicare Select (HMO)HMO from VIVA Medicare · Plan ID H0154-008 · No drug coverage · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $100 of Part B) | $9,250 in network | 4 of 5 | 17 services | $1,602 | $9,011 | $27,925 |
| Humana USAA Honor Giveback (HMO)HMO from Humana · Plan ID H4461-075 · No drug coverage · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $135 of Part B) | $4,150 in network | 4.5 of 5 | 24 services | $1,282 | $9,211 | $26,620 |
| HealthSpring Courage (HMO)HMO from HealthSpring · Plan ID H4513-045 · No drug coverage · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $75 of Part B) | $5,750 in network | 3.5 of 5 | 24 services | $1,977 | $9,741 | $28,220 |
| Humana USAA Honor Giveback (PPO)PPO from Humana · Plan ID H5216-236 · No drug coverage · Medicare.govIts page is set for Jefferson County, AL | $0 plan + Part B $209.50 (the plan pays back $102 of Part B) | $4,150 in network; $6,300 in and out of network | 4 of 5 | 24 services | $1,678 | $9,742 | $27,016 |
| HumanaChoice R0110-017 (Regional PPO)Regional PPO from Humana · Plan ID R0110-017 · No drug coverage · Medicare.govIts page is set for Shelby County, TN | $0 plan + Part B $209.50 | $4,650 in network; $9,350 in and out of network | 3.5 of 5 | 24 services | $2,882 | $10,671 | $28,740 |
A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Lauderdale County, AL. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 35633 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 35633 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.