Best Medicare Advantage Plans in Montgomery County, AL for 2027
Every general-audience Medicare Advantage plan with drug coverage sold in Montgomery County, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the in-network out-of-pocket maximum.
Montgomery County plans, ranked
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HumanaChoice H5216-368 (PPO)Humana · PPOAll 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $27.50 | $3,250 | $3,580 | 4★ |
| 2 | HumanaChoice H7617-090 (PPO)Humana · PPOAll 67 counties · drug deductible $700Dental up to $2,500/yr · eyewear $100/yr | $34 | $3,250 | $3,658 | 4.5★ |
| 3 | HumanaChoice H5216-269 (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4★ |
| 4 | HumanaChoice H7617-091 (PPO)Humana · PPO54 of 67 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr | $0 | $4,450 | $4,450 | 4.5★ |
| 5 | HealthSpring Preferred Plus (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $400Dental up to $1,550/yr · eyewear $225/yr · OTC items $80/yr | $35 | $4,750 | $5,170 | 3.5★ |
| 6 | Humana Gold Plus H4461-079 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $4,000/yr · eyewear $300/yr | $36 | $4,900 | $5,332 | 4.5★ |
| 7 | DEVOTED CHOICE 007 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $400/yr | $0 | $5,600 | $5,600 | 4.5★ |
| 8 | DEVOTED CORE 001 AL (HMO)Devoted Health · HMO32 of 67 counties · drug deductible $465Dental up to $2,750/yr · eyewear $400/yr · OTC items $300/yr | $0 | $5,700 | $5,700 | 3.5★ |
| 9 | AARP Medicare Advantage from UHC AL-6 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $3,000/yr · eyewear $100/yr · hearing aids $700/yr | $43 | $5,400 | $5,916 | 3.5★ |
| 10 | AARP Medicare Advantage from UHC AL-0002 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $45 | $5,400 | $5,940 | 3.5★ |
| 11 | Aetna Medicare Signature Extra Care (HMO)Aetna Medicare · HMO19 of 67 counties · drug deductible $400Dental up to $3,000/yr · eyewear $225/yr · hearing aids $500/yr per ear · OTC items $120/yr | $23 | $5,900 | $6,176 | 3.5★ |
| 12 | DEVOTED CHOICE 001 AL (PPO)Devoted Health · PPO32 of 67 counties · drug deductible $650Dental up to $2,750/yr · eyewear $400/yr · OTC items $400/yr | $0 | $6,200 | $6,200 | 3.5★ |
| 13 | Humana Value Plus H5216-179 (PPO)Humana · PPO65 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $250/yr | $0 | $6,200 | $6,200 | 4★ |
| 14 | Humana Value Plus H7617-089 (PPO)Humana · PPO65 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $250/yr | $0.50 | $6,200 | $6,206 | 4.5★ |
| 15 | AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $750/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $6,300 | $6,300 | 3.5★ |
| 16 | Humana Gold Plus H4461-078 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $3,000/yr · eyewear $250/yr | $0 | $6,360 | $6,360 | 4.5★ |
| 17 | DEVOTED CHOICE GIVEBACK EXTRAS 038 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,000/yr · eyewear $400/yr · OTC items $300/yr | $0−$70 Part B giveback | $7,250 | $6,410 | 4.5★ |
| 18 | Blue Advantage Complete (PPO)Blue Cross and Blue Shield of Alabama · PPO60 of 67 counties · drug deductible $620Dental up to $650/yr · eyewear $100/yr | $39.50 | $6,000 | $6,474 | 4★ |
| 19 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO55 of 67 counties · drug deductible $400Dental up to $2,500/yr · eyewear $275/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 20 | DEVOTED CHOICE GIVEBACK 005 AL (PPO)Devoted Health · PPO32 of 67 counties · drug deductible $461Part B giveback $174.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $428/yr | $0−$174.70 Part B giveback | $8,900 | $6,804 | 3.5★ |
| 21 | AARP Medicare Advantage Extras from UHC AL-7 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 22 | AARP Medicare Advantage from UHC AL-0001 (HMO-POS)UnitedHealthcare · HMO-POS66 of 67 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 23 | Blue Advantage Choice (PPO)Blue Cross and Blue Shield of Alabama · PPOAll 67 counties · drug deductible $700Preventive dental up to $375/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 24 | HealthSpring Preferred (HMO)HealthSpring · HMO5 of 67 counties · drug deductible $400Dental up to $1,900/yr · eyewear $100/yr · OTC items $60/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 25 | Humana Gold Plus H5619-089 (HMO)Humana · HMOAll 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 26 | AARP Medicare Advantage from UHC AL-0004 (PPO)UnitedHealthcare · PPO50 of 67 counties · drug deductible $685Preventive dental · eyewear $125/yr · hearing aids $700/yr | $10 | $7,150 | $7,270 | 3.5★ |
| 27 | DEVOTED CHOICE GIVEBACK 009 AL (PPO)Devoted Health · PPO30 of 67 counties · drug deductible $650Part B giveback $190/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $428/yr | $0−$190 Part B giveback | $9,850 | $7,570 | 4.5★ |
| 28 | HealthSpring True Choice (PPO)HealthSpring · PPO27 of 67 counties · drug deductible $500Dental up to $300/yr · eyewear $100/yr | $15 | $7,500 | $7,680 | 3★ |
| 29 | VIVA Medicare Premier (HMO)VIVA Medicare · HMO40 of 67 counties · drug deductible $350Dental up to $1,300/yr · eyewear $200/yr · OTC items $280/yr | $99 | $6,500 | $7,688 | 4★ |
| 30 | DEVOTED GIVEBACK 002 AL (HMO)Devoted Health · HMO41 of 67 counties · drug deductible $461Part B giveback $135.50/mo · Dental up to $250/yr · eyewear $100/yr | $0−$135.50 Part B giveback | $9,850 | $8,224 | 3.5★ |
| 31 | HumanaChoice R0110-018 (Regional PPO)Humana · Regional PPOAll 67 counties · drug deductible $700Dental up to $1,000/yr · eyewear $150/yr | $124 | $7,000 | $8,488 | 3.5★ |
| 32 | VIVA Medicare Plus (HMO)VIVA Medicare · HMO18 of 67 counties · drug deductible $450Part B giveback $9/mo · Dental up to $1,100/yr · eyewear $100/yr · OTC items $140/yr | $0−$9 Part B giveback | $9,250 | $9,142 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket. The giveback is money back on the Part B premium ($202.90 a month in 2026), which is otherwise the same for everyone, so a large one can push the worst-case year below $0; drug costs are capped separately at $2,400 in 2027. Other extras are the yearly maximums each plan filed with CMS and don’t change the order. Methodology
What changed since 2026
- Plans with drug coverage: 36 in 2026, 40 in 2027.
- $0-premium plans: 24 in 2026, 27 in 2027.
- Median in-network out-of-pocket maximum: $5,900 in 2026, $6,330 in 2027.
- 12,407 people here were in a general-audience Advantage plan in October 2026; 293 of them are in a plan that ends or leaves the county for 2027 and must choose again.
From our 2026 vs. 2027 Medicare Advantage study (CMS landscape, enrollment and crosswalk files).
Before you enroll, check that your doctors are in the plan’s network and how it covers your drugs in the Medicare Plan Finder. Weighing Advantage against Original Medicare with a Medigap plan? Run the county calculator.
Also sold here without drug coverage: Humana USAA Honor Giveback (HMO), Humana USAA Honor Giveback (PPO), HumanaChoice R0110-017 (Regional PPO), HealthSpring Courage (HMO), AARP Medicare Advantage Patriot No Rx AL-MA01 (HMO-POS), AARP Medicare Advantage Patriot No Rx AL-MA2 (HMO-POS), DEVOTED CHOICE MA ONLY 007 AL (PPO), VIVA Medicare Select (HMO).
Questions
How many Medicare Advantage plans are in Montgomery County for 2027?
32 general-audience plans with drug coverage, 19 of them with a $0 monthly premium, compared with 36 plans and 24 $0-premium plans in 2026. Special Needs Plans aren't counted.
Which plan has the lowest worst-case cost in Montgomery County?
HumanaChoice H5216-368 (PPO) from Humana: $27.50 a month with an in-network out-of-pocket maximum of $3,250, so at most about $3,580 for the year in premiums and in-network costs.
Do any Montgomery County plans have a Part B giveback?
5 do. The largest is $190 a month off your Part B premium, from DEVOTED CHOICE GIVEBACK 009 AL (PPO).
How many Montgomery County plans have 4 or more stars?
16 of 32, based on CMS's 2027 ratings of the contract behind each plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- County population: 2020 Census, via the USDA Rural-Urban Continuum Codes (2023).
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. · Advertiser disclosure
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