Medicare Advantage plans in Shelby County, AL: what changed for 2027
For 2027, Shelby County in Alabama has 34 Medicare Advantage plans that include drug coverage, compared with 29 in 2026, according to the CMS plan landscape files.
Advantage plans with drug coverage34+5 from 2026
Advantage plans without drug coverage9+1 from 2026
Special Needs Plans34+8 from 2026
$0 premium plans with drug coverage20+3 from 2026
Median out-of-pocket limit$6,6252026: $6,100
Plans rated 4 stars or more17-3 from 2026
2 Advantage plan IDs (not counting Special Needs or Cost plans) listed here for 2026 are not in the 2027 file and 8 plan IDs are new. Some of these are the same plan renamed or merged, so check the Annual Notice of Change from your plan.
How many people here are in Medicare Advantage
In October 2026, 28,215 of the 46,249 people eligible for Medicare in Shelby County were enrolled in a Medicare Advantage or other Medicare health plan, 61.0%. A year earlier it was 27,200 of 44,639 (60.9%).
CMS counts enrollees in all Medicare health plans, including Advantage, cost and PACE plans, by the county where they live.
Before you choose a plan
Compare plans for your ZIP code, drugs and doctors on the official Medicare Plan Finder, or call 1-800-MEDICARE (1-800-633-4227). Free, unbiased counselling is available from your State Health Insurance Assistance Program at shiphelp.org.
Advantage plans with drug coverage for 2027 (34)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $6,300 | 3.5 of 5 |
| AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 of 5 |
| AARP Medicare Advantage from UHC AL-0001 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | $7,150 | 3.5 of 5 |
| Aetna Medicare Signature Care (HMO) | Aetna Medicare | HMO | $0 | $6,750 | 3.5 of 5 |
| Aetna Medicare Signature Giveback (PPO) | Aetna Medicare | PPO | $0 | $9,250 | 4 of 5 |
| Aetna Medicare Signature Plus (PPO) | Aetna Medicare | PPO | $0 | $8,900 | 4 of 5 |
| Blue Advantage Choice (PPO) | Blue Cross and Blue Shield of Alabama | PPO | $0 | $7,150 | 4 of 5 |
| DEVOTED CHOICE 001 AL (PPO) | Devoted Health | PPO | $0 | $6,200 | 3.5 of 5 |
| DEVOTED CHOICE 007 AL (PPO) | Devoted Health | PPO | $0 | $5,600 | 4.5 of 5 |
| DEVOTED CHOICE GIVEBACK 005 AL (PPO) | Devoted Health | PPO | $0 | $8,900 | 3.5 of 5 |
| DEVOTED CHOICE GIVEBACK 009 AL (PPO) | Devoted Health | PPO | $0 | $9,850 | 4.5 of 5 |
| DEVOTED CHOICE GIVEBACK EXTRAS 038 AL (PPO) | Devoted Health | PPO | $0 | $7,250 | 4.5 of 5 |
| DEVOTED CORE 001 AL (HMO) | Devoted Health | HMO | $0 | $5,700 | 3.5 of 5 |
| DEVOTED GIVEBACK 002 AL (HMO) | Devoted Health | HMO | $0 | $9,850 | 3.5 of 5 |
| HealthSpring Preferred (HMO) | HealthSpring | HMO | $0 | $5,550 | 3.5 of 5 |
| HealthSpring Preferred Extra Savings (HMO) | HealthSpring | HMO | $0 | $8,500 | 3.5 of 5 |
| Humana Gold Plus H4461-078 (HMO) | Humana | HMO | $0 | $6,360 | 4.5 of 5 |
| Humana Gold Plus H5619-089 (HMO) | Humana | HMO | $0 | $7,150 | 4 of 5 |
| Humana Value Plus H5216-179 (PPO) | Humana | PPO | $0 | $6,200 | 4 of 5 |
| VIVA Medicare Plus (HMO) | VIVA Medicare | HMO | $0 | $9,250 | 4 of 5 |
| Humana Value Plus H7617-089 (PPO) | Humana | PPO | $0.50 | $6,200 | 4.5 of 5 |
| AARP Medicare Advantage from UHC AL-0004 (PPO) | UnitedHealthcare | PPO | $10.00 | $7,150 | 3.5 of 5 |
| HealthSpring True Choice (PPO) | HealthSpring | PPO | $15.00 | $7,500 | 3 of 5 |
| Blue Advantage Core (PPO) | Blue Cross and Blue Shield of Alabama | PPO | $19.50 | $6,000 | 4 of 5 |
| Aetna Medicare Signature Extra Care (HMO) | Aetna Medicare | HMO | $23.00 | $5,900 | 3.5 of 5 |
| Aetna Medicare Value Plus (PPO) | Aetna Medicare | PPO | $23.30 | $9,850 | 4 of 5 |
| HealthSpring Preferred Plus (HMO) | HealthSpring | HMO | $25.00 | $4,750 | 3.5 of 5 |
| HumanaChoice H5216-368 (PPO) | Humana | PPO | $27.50 | $3,250 | 4 of 5 |
| HumanaChoice H7617-090 (PPO) | Humana | PPO | $34.00 | $3,250 | 4.5 of 5 |
| Humana Gold Plus H4461-079 (HMO) | Humana | HMO | $36.00 | $4,900 | 4.5 of 5 |
| AARP Medicare Advantage from UHC AL-6 (HMO-POS) | UnitedHealthcare | HMO-POS | $43.00 | $5,400 | 3.5 of 5 |
| AARP Medicare Advantage from UHC AL-0002 (HMO-POS) | UnitedHealthcare | HMO-POS | $45.00 | $5,400 | 3.5 of 5 |
| VIVA Medicare Premier (HMO) | VIVA Medicare | HMO | $99.00 | $6,500 | 4 of 5 |
| HumanaChoice R0110-018 (Regional PPO) | Humana | Regional PPO | $124.00 | $7,000 | 3.5 of 5 |
Advantage plans without drug coverage for 2027 (9)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $7,150 | 3.5 of 5 |
| AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS) | UnitedHealthcare | HMO-POS | Not listed | $7,150 | 3.5 of 5 |
| Aetna Medicare Eagle Plus (PPO) | Aetna Medicare | PPO | Not listed | $7,900 | 4 of 5 |
| DEVOTED CHOICE MA ONLY 007 AL (PPO) | Devoted Health | PPO | Not listed | $7,900 | 3.5 of 5 |
| HealthSpring Courage (HMO) | HealthSpring | HMO | Not listed | $5,750 | 3.5 of 5 |
| Humana USAA Honor Giveback (HMO) | Humana | HMO | Not listed | $4,150 | 4.5 of 5 |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | Not listed | $4,150 | 4 of 5 |
| HumanaChoice R0110-017 (Regional PPO) | Humana | Regional PPO | Not listed | $4,650 | 3.5 of 5 |
| VIVA Medicare Select (HMO) | VIVA Medicare | HMO | Not listed | $9,250 | 4 of 5 |
Special Needs Plans for 2027 (34)
| Plan | Company | Type | Monthly premium | In-network out-of-pocket limit | Star rating |
|---|---|---|---|---|---|
| Aetna Medicare Dual Care (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Aetna Medicare Dual Extra Care (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| Aetna Medicare Full Dual Care (HMO D-SNP) | Aetna Medicare | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| DEVOTED C-SNP CHOICE 008 AL (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $6,500 | 3.5 of 5 |
| DEVOTED C-SNP CHOICE ENHANCED 009 AL (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $6,700 | 3.5 of 5 |
| DEVOTED C-SNP CHOICE ENHANCED 013 AL (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $6,100 | 4.5 of 5 |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 017 AL (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $7,250 | 4.5 of 5 |
| DEVOTED C-SNP CHOICE PLUS 012 AL (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 3.5 of 5 |
| DEVOTED C-SNP CHOICE PLUS 015 AL (PPO C-SNP) | Devoted Health | PPO C-SNP · Chronic or Disabling Condition | $0 | $9,850 | 4.5 of 5 |
| DEVOTED DUAL 004 AL (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $6,100 | 3.5 of 5 |
| DEVOTED DUAL CHOICE FULL 011 AL (PPO D-SNP) | Devoted Health | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| DEVOTED DUAL CHOICE FULL 013 AL (PPO D-SNP) | Devoted Health | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| DEVOTED DUAL PLUS 003 AL (HMO D-SNP) | Devoted Health | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| HealthSpring Achieve (HMO C-SNP) | HealthSpring | HMO C-SNP · Chronic or Disabling Condition | $0 | $4,450 | 3.5 of 5 |
| HealthSpring Achieve Savings (HMO C-SNP) | HealthSpring | HMO C-SNP · Chronic or Disabling Condition | $0 | $8,100 | 3.5 of 5 |
| Humana Dual QMB Only (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Humana Dual Select H4461-077 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| Humana Dual Select H5619-093 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| Humana Gold Plus SNP-DE H4461-076 (HMO D-SNP) | Humana | HMO D-SNP · Dual-Eligible | $0 | $9,850 | 4.5 of 5 |
| HumanaChoice SNP-DE H5216-370 (PPO D-SNP) | Humana | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 4 of 5 |
| UHC Complete Care AL-5 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $7,150 | 3.5 of 5 |
| UHC Complete Care AL-8 (HMO-POS C-SNP) | UnitedHealthcare | HMO-POS C-SNP · Chronic or Disabling Condition | $0 | $6,700 | 3.5 of 5 |
| UHC Dual Complete AL-Q1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete AL-Q2 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| UHC Dual Complete AL-S1 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $0 | $9,850 | 3.5 of 5 |
| VIVA Medicare Healthy Lifestyles (HMO C-SNP) | VIVA Medicare | HMO C-SNP · Chronic or Disabling Condition | $0 | $7,900 | 4 of 5 |
| UHC Dual Advantage AL-V2 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $3.90 | $5,900 | 3.5 of 5 |
| HealthSpring TotalCare (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $13.40 | $9,850 | 3.5 of 5 |
| HealthSpring TotalCare Plus (HMO D-SNP) | HealthSpring | HMO D-SNP · Dual-Eligible | $13.70 | $9,850 | 3.5 of 5 |
| Simpra Advantage Dual Care (PPO D-SNP) | Simpra Advantage | PPO D-SNP · Dual-Eligible | $13.70 | $9,850 | Not Enough Data Available |
| Simpra Advantage Nursing Home Plan (PPO I-SNP) | Simpra Advantage | PPO I-SNP · Institutional | $13.70 | $9,850 | Not Enough Data Available |
| UHC Dual Complete AL-Q3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP · Dual-Eligible | $13.70 | $9,850 | 3.5 of 5 |
| VIVA Medicare Extra Value (HMO D-SNP) | VIVA Medicare | HMO D-SNP · Dual-Eligible | $13.70 | $6,750 | 4 of 5 |
| Simpra Advantage Assist (PPO I-SNP) | Simpra Advantage | PPO I-SNP · Institutional | $90.00 | $6,700 | Not Enough Data Available |
Stand-alone Part D drug plans are offered statewide: see Alabama drug plans.
Sources
- Centers for Medicare & Medicaid Services, CY2027 Medicare Advantage and Part D Landscape file (data last updated 18 October 2026)
- Centers for Medicare & Medicaid Services, CY2026 Medicare Advantage and Part D Landscape file (September 2026 release)
- Centers for Medicare & Medicaid Services, MA State/County Penetration files, October 2026 and October 2025
Checked 29 October 2026. Plans and premiums can change before 1 January 2027. Confirm any plan on Medicare.gov before you enrol.