Medicare Special Needs Plans in Alabama
Every Special Needs Plan in Alabama for 2027, from the CMS plan landscape file. You can join one only if you fit its group: Medicare and Medicaid (D-SNP), a qualifying chronic condition (C-SNP) or nursing-home-level care (I-SNP). Pick your county to see the plans sold there.
Showing all 48 plans.
D-SNPs: Medicare and Medicaid
Sorted by CMS star rating, then by how closely the plan is integrated with Alabama Medicaid, then by worst-case year. If Medicaid or the QMB program pays your Medicare cost sharing, the out-of-pocket maximum matters less than the network and how well the plan works with Medicaid.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | DEVOTED DUAL CHOICE FULL 011 AL (PPO D-SNP)Devoted Health · PPO D-SNPCoordination-only · $0 Medicare cost sharing30 of 67 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 2 | DEVOTED DUAL CHOICE FULL 012 AL (PPO D-SNP)Devoted Health · PPO D-SNPCoordination-only · $0 Medicare cost sharing14 of 67 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 3 | Humana Dual QMB Only (HMO D-SNP)Humana · HMO D-SNPCoordination-only · $0 Medicare cost sharing63 of 67 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 4 | Humana Dual Select H4461-077 (HMO D-SNP)Humana · HMO D-SNPCoordination-only63 of 67 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 5 | Humana Gold Plus SNP-DE H4461-076 (HMO D-SNP)Humana · HMO D-SNPCoordination-only · $0 Medicare cost sharing63 of 67 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 6 | VIVA Medicare Extra Care (HMO D-SNP)VIVA Medicare · HMO D-SNPCoordination-only5 of 67 counties | $13.70 | $6,750 | $6,914 | 4★ |
| 7 | VIVA Medicare Extra Value (HMO D-SNP)VIVA Medicare · HMO D-SNPCoordination-only31 of 67 counties | $13.70 | $6,750 | $6,914 | 4★ |
| 8 | Humana Dual Select H5619-093 (HMO D-SNP)Humana · HMO D-SNPCoordination-only63 of 67 counties | $0 | $9,850 | $9,850 | 4★ |
| 9 | HumanaChoice SNP-DE H5216-370 (PPO D-SNP)Humana · PPO D-SNPCoordination-only · $0 Medicare cost sharingAll 67 counties | $0 | $9,850 | $9,850 | 4★ |
| 10 | UHC Dual Advantage AL-V2 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only66 of 67 counties | $3.90 | $5,900 | $5,947 | 3.5★ |
| 11 | DEVOTED DUAL 004 AL (HMO D-SNP)Devoted Health · HMO D-SNPCoordination-only34 of 67 counties | $0 | $6,100 | $6,100 | 3.5★ |
| 12 | DEVOTED DUAL 007 AL (HMO D-SNP)Devoted Health · HMO D-SNPCoordination-only13 of 67 counties | $0 | $6,100 | $6,100 | 3.5★ |
| 13 | Aetna Medicare Dual Care (HMO D-SNP)Aetna Medicare · HMO D-SNPCoordination-only64 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 14 | Aetna Medicare Dual Extra Care (HMO D-SNP)Aetna Medicare · HMO D-SNPCoordination-only64 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 15 | Aetna Medicare Full Dual Care (HMO D-SNP)Aetna Medicare · HMO D-SNPCoordination-only · $0 Medicare cost sharing64 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 16 | DEVOTED DUAL CHOICE FULL 013 AL (PPO D-SNP)Devoted Health · PPO D-SNPCoordination-only · $0 Medicare cost sharing32 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 17 | DEVOTED DUAL CHOICE FULL 014 AL (PPO D-SNP)Devoted Health · PPO D-SNPCoordination-only · $0 Medicare cost sharing11 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 18 | DEVOTED DUAL PLUS 003 AL (HMO D-SNP)Devoted Health · HMO D-SNPCoordination-only · $0 Medicare cost sharing34 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 19 | DEVOTED DUAL PLUS 006 AL (HMO D-SNP)Devoted Health · HMO D-SNPCoordination-only · $0 Medicare cost sharing13 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 20 | UHC Dual Complete AL-Q1 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only66 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 21 | UHC Dual Complete AL-Q2 (PPO D-SNP)UnitedHealthcare · PPO D-SNPCoordination-only66 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 22 | UHC Dual Complete AL-S1 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only · $0 Medicare cost sharing66 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 23 | HealthSpring TotalCare (HMO D-SNP)HealthSpring · HMO D-SNPCoordination-only24 of 67 counties | $13.40 | $9,850 | $10,011 | 3.5★ |
| 24 | HealthSpring TotalCare (HMO D-SNP)HealthSpring · HMO D-SNPCoordination-only5 of 67 counties | $13.40 | $9,850 | $10,011 | 3.5★ |
| 25 | HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring · HMO D-SNPCoordination-only · $0 Medicare cost sharing24 of 67 counties | $13.70 | $9,850 | $10,014 | 3.5★ |
| 26 | HealthSpring TotalCare Plus (HMO D-SNP)HealthSpring · HMO D-SNPCoordination-only · $0 Medicare cost sharing5 of 67 counties | $13.70 | $9,850 | $10,014 | 3.5★ |
| 27 | UHC Dual Complete AL-Q3 (HMO-POS D-SNP)UnitedHealthcare · HMO-POS D-SNPCoordination-only66 of 67 counties | $13.70 | $9,850 | $10,014 | 3.5★ |
| 28 | Simpra Advantage Dual Care (PPO D-SNP)Simpra Advantage · PPO D-SNPCoordination-only · $0 Medicare cost sharingAll 67 counties | $13.70 | $9,850 | $10,014 | Not rated |
C-SNPs: chronic conditions
Sorted by worst-case year: 12 months of premiums plus the in-network out-of-pocket maximum. Each plan lists the conditions it serves; you need one of them, confirmed by your doctor or another clinician, to join.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | HealthSpring Achieve (HMO C-SNP)HealthSpring · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes12 of 67 counties | $0 | $4,450 | $4,450 | 3.5★ |
| 2 | DEVOTED C-SNP CHOICE ENHANCED 013 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes30 of 67 counties | $0 | $6,100 | $6,100 | 4.5★ |
| 3 | DEVOTED C-SNP CHOICE ENHANCED 014 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes14 of 67 counties | $0 | $6,100 | $6,100 | 4.5★ |
| 4 | DEVOTED C-SNP CHOICE 008 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes34 of 67 counties | $0 | $6,500 | $6,500 | 3.5★ |
| 5 | DEVOTED C-SNP CHOICE 010 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes13 of 67 counties | $0 | $6,500 | $6,500 | 3.5★ |
| 6 | DEVOTED C-SNP CHOICE ENHANCED 011 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes11 of 67 counties | $0 | $6,500 | $6,500 | 3.5★ |
| 7 | DEVOTED C-SNP CHOICE ENHANCED 009 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes32 of 67 counties | $0 | $6,700 | $6,700 | 3.5★ |
| 8 | UHC Complete Care AL-8 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes66 of 67 counties | $0 | $6,700 | $6,700 | 3.5★ |
| 9 | UHC Complete Care AL-5 (HMO-POS C-SNP)UnitedHealthcare · HMO-POS C-SNPCardiovascular disorders, Chronic heart failure, Diabetes66 of 67 counties | $0 | $7,150 | $7,150 | 3.5★ |
| 10 | DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 017 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes30 of 67 counties | $0 | $7,250 | $7,250 | 4.5★ |
| 11 | DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 018 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes14 of 67 counties | $0 | $7,700 | $7,700 | 4.5★ |
| 12 | VIVA Medicare Healthy Lifestyles (HMO C-SNP)VIVA Medicare · HMO C-SNPDiabetes34 of 67 counties | $0 | $7,900 | $7,900 | 4★ |
| 13 | HealthSpring Achieve Savings (HMO C-SNP)HealthSpring · HMO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes5 of 67 counties | $0 | $8,100 | $8,100 | 3.5★ |
| 14 | DEVOTED C-SNP CHOICE PLUS 012 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes32 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 15 | DEVOTED C-SNP CHOICE PLUS 015 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes30 of 67 counties | $0 | $9,850 | $9,850 | 4.5★ |
| 16 | DEVOTED C-SNP CHOICE PLUS 015 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes11 of 67 counties | $0 | $9,850 | $9,850 | 3.5★ |
| 17 | DEVOTED C-SNP CHOICE PLUS 016 AL (PPO C-SNP)Devoted Health · PPO C-SNPCardiovascular disorders, Chronic heart failure, Diabetes14 of 67 counties | $0 | $9,850 | $9,850 | 4.5★ |
I-SNPs: institutional care
For people who live, or are expected to live, at least 90 days in a nursing home or similar facility, or who need that level of care at home. Sorted by worst-case year.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Simpra Advantage Assist (PPO I-SNP)Simpra Advantage · PPO I-SNPHybrid (at home or in a facility)All 67 counties | $90 | $6,700 | $7,780 | Not rated |
| 2 | UHC Nursing Home Plan EX-F001 (PPO I-SNP)UnitedHealthcare · PPO I-SNPFacility-based11 of 67 counties | $0 | $9,850 | $9,850 | 5★ |
| 3 | Simpra Advantage Nursing Home Plan (PPO I-SNP)Simpra Advantage · PPO I-SNPFacility-basedAll 67 counties | $13.70 | $9,850 | $10,014 | Not rated |
Worst-case year = 12 × monthly plan premium + in-network maximum out-of-pocket, for covered Part A and B services. Many D-SNP members pay $0 in premiums with Extra Help. Star ratings are CMS’s 2027 overall ratings for the contract behind each plan. Plans under CMS sanction aren’t listed. How we sort
Before you enroll: check the plan’s network and drug list in the official Medicare Plan Finder, and ask the plan whether you qualify. Free one-on-one help: your State Health Insurance Assistance Program.
Questions
How many Special Needs Plans are in Alabama for 2027?
CMS lists 48: 28 D-SNPs (Medicare and Medicaid), 17 C-SNPs (chronic conditions) and 3 I-SNPs (institutional), from 7 parent companies. Not every plan is sold in every county; use the county filter.
Which D-SNPs in Alabama are integrated with Medicaid?
All 28 D-SNPs in Alabama are coordination-only plans: they coordinate with Medicaid, but your Medicaid benefits come separately.
Do Special Needs Plans include drug coverage?
Yes. Every Special Needs Plan must include Part D drug coverage.
Can I stay in a Special Needs Plan if I no longer qualify?
Only while you still meet the plan's rules. If you lose eligibility, you may get a Special Enrollment Period to join another plan.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), Special Needs Plan rows — cms.gov; star ratings from the CMS 2027 Star Ratings Data Tables — cms.gov.
- Medicare.gov, “Special Needs Plans” — medicare.gov.
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. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- How Special Needs Plans work →
- General Medicare Advantage plans in Alabama →
- Medicare Savings Programs →
- Extra Help with drug costs →
Other states
Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · New York · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Puerto Rico · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Virginia · Washington · West Virginia · Wisconsin