Medicare Advantage Plans in Alabama 2026

Last reviewed: June 2026 · Data sourced from CMS.gov

Alabama has about 1 million Medicare beneficiaries, and roughly 44 percent of them are now enrolled in Medicare Advantage plans. Coverage options vary considerably between metro areas like Birmingham, Huntsville, and Mobile and the more rural counties in the southern Black Belt. Humana, UnitedHealthcare, and Blue Cross Blue Shield of Alabama are among the largest carriers in the state.

What to Look for in a Alabama Medicare Advantage Plan

• ✓ Whether your current doctors and specialists are in-network
• ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
• ✓ Monthly premium and annual out-of-pocket maximum
• ✓ Extra benefits: dental, vision, hearing, fitness programs
• ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
• ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible

2026 Medicare Advantage Costs in Alabama

Medicare Advantage vs. Medigap in Alabama

Medigap is widely available in Alabama from most major national carriers. Residents in rural counties often find Medigap a better fit than Advantage because provider networks outside the major metros can be thin.