Medicare Advantage Plans in Butler County, AL:
Your Complete 2025 Guide
Discover 23 Medicare Advantage plans in Butler County for 2025. These plans combine your Medicare Part A and Part B benefits into one convenient plan, and may offer additional benefits such as dental, hearing and/or vision and/or fitness. There may not be a plan in your area that has all of these benefits in one plan.
Types of Medicare Advantage Plans in Butler County, AL
With 23 Medicare Advantage plans available in Butler County for 2025, you have a range of options to choose from. However, there are no 5-star plans available this year. Here’s a breakdown of your choices:
Summary of Medicare Advantage Plan Types Available in Butler County, Alabama
- Preferred Provider Organization (PPO) Plans: These plans (16 available) offer flexibility with out-of-network care at a higher cost. The average monthly premium for these plans is $20.51.
- Health Maintenance Organization (HMO) Plans: These plans (3 available) require in-network care and generally have lower costs. The average monthly premium for these plans is $0.00.
- HMO Point-of-Service (HMO-POS) Plans: These plans (4 available) blend HMO and PPO features, allowing some out-of-network care. The average monthly premium for these plans is $8.00.
- Special Needs Plans (SNP): These highly specialized Medicare Advantage plans cater to individuals with specific healthcare needs. Learn more here: Medicare Special Needs Plans in Butler County, AL .
Medicare Advantage PPO Plans
With Preferred Provider Organization (PPO) plans, you have the freedom to visit both in-network and out-of-network providers. These plans may have higher costs for out-of-network services but offer more flexibility than other plan types, making them a good fit for those who value provider choice.
| Plan Name | Rating* | Premium/Mo | MOOP | Rx Ded. |
|---|---|---|---|---|
| Aetna Medicare Eagle | $0 | $7,900 | N/A | |
| Aetna Medicare Freedom | $0 | $7,900 | $590 | |
| Aetna Medicare Value Plus | $10 | $9,350 | $590 | |
| Blue Advantage Choice | $0 | $5,500 | $440 | |
| Blue Advantage Complete | $30 | $5,100 | $0 | |
| Blue Advantage Premier | $153 | $2,900 | $0 | |
| AARP Medicare Advantage from UHC AL-0004 | $0 | $6,700 | $420 | |
| Humana USAA Honor Giveback | $0 | $4,150 | N/A | |
| Humana Value Plus H5216-179 | $40 | $3,000 | $590 | |
| HumanaChoice H5216-269 | $0 | $4,000 | $590 | |
| HumanaChoice H5216-368 | $10 | $3,000 | $590 | |
| HumanaChoice R0110-017 | $0 | $4,850 | N/A | |
| HumanaChoice R0110-018 | $86 | $6,700 | $590 | |
| Devoted CHOICE Alabama | $0 | $6,200 | $590 | |
| Devoted CHOICE GIVEBACK Alabama | $0 | $7,900 | $590 | |
| Devoted LIBERTY CHOICE Alabama | $0 | $7,900 | N/A | |
| *Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. | ||||
- Out-of-Network Costs: PPO plans allow you to see out-of-network providers, but this flexibility often comes with higher costs. Evaluate additional costs if you prefer providers outside the plan's network.
- Provider Network: Verify your preferred doctors and specialists are in-network to lower costs. If flexibility is important, confirm the network meets your needs.
- Premiums and Out-of-Pocket Maximums: Compare premiums and out-of-pocket maximums across plans. Higher premiums may provide more coverage, but assess if benefits justify additional cost.
- Additional Benefits: Many PPO plans include extras like dental, vision, or fitness programs. Assess which benefits align best with your healthcare priorities, keeping in mind availability varies.
Medicare Advantage HMO Plans
With Health Maintenance Organization (HMO) plans, you typically need to stay within the plan's network of doctors and hospitals. In return, these plans usually offer lower premiums and out-of-pocket costs, making them an attractive option for budget-conscious enrollees.
| Plan Name | Rating* | Premium/Mo | MOOP | Rx Ded. |
|---|---|---|---|---|
| Devoted CORE Alabama | $0 | $5,500 | $590 | |
| Devoted GIVEBACK Alabama | $0 | $6,750 | $590 | |
| Humana Gold Plus H5619-089 | $0 | $6,100 | $590 | |
| * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. | ||||
- In-Network Care: HMO plans generally require you to use in-network providers for all non-emergency care. Verify your preferred doctors, specialists, and hospitals are in-network before enrolling.
- Primary Care Referrals: Many HMO plans require referrals from your primary care doctor to see specialists. Be comfortable with this care coordination requirement.
- Lower Costs: HMO plans typically have lower premiums and out-of-pocket costs compared to other plan types, beneficial if cost savings are your priority.
- Additional Benefits: Some HMO plans offer extras like dental, vision, or fitness programs. Evaluate which benefits are most important, noting availability may vary.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans combine features of both HMO and PPO plans. You’ll have the flexibility to see out-of-network providers, but at a higher cost than in-network care. This can be a good option if you want the cost savings of an HMO but still want some freedom to go out-of-network when needed.
| Plan Name | Rating* | Premium/Mo | MOOP | Rx Ded. |
|---|---|---|---|---|
| AARP Medicare Advantage from UHC AL-0003 | $0 | $5,400 | $340 | |
| AARP Medicare Advantage from UHC AL-0001 | $0 | $5,900 | $420 | |
| AARP Medicare Advantage from UHC AL-0002 | $32 | $4,500 | $340 | |
| AARP Medicare Advantage Patriot No Rx AL-MA01 | $0 | $5,900 | N/A | |
| * Every year, the Centers for Medicare & Medicaid Services (CMS) evaluates plans based on a 5-star rating system. | ||||
- Out-of-Network Costs: HMO-POS plans allow out-of-network providers, but at higher costs. Evaluate potential extra costs for out-of-network care.
- In-Network vs. Out-of-Network Care: Compare coverage options between in-network and out-of-network care. Decide if flexibility justifies additional expenses.
- Referral Requirements: Many HMO-POS plans require a referral from your primary care doctor for specialist visits. Confirm you're comfortable with this requirement.
- Additional Benefits: Many HMO-POS plans include extras like dental, vision, or fitness programs. Determine which benefits best match your healthcare needs, acknowledging that not all benefits may be available in every plan.
Understanding the Medicare Advantage enrollment periods in Butler County is essential, whether you're new to Medicare or looking to change your current plan. Knowing when to enroll ensures that you get the coverage that’s right for you without missing important deadlines.
When to Enroll
- Initial Enrollment Period (IEP): Your first opportunity to enroll in Medicare begins three months before your 65th birthday and ends three months after. This is when you can choose your Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Between January 1 and March 31, you have the chance to switch your current Medicare Advantage plan to a new one or return to Original Medicare if necessary. Learn more
- Annual Enrollment Period (AEP): From October 15 to December 7, you can review and adjust your Medicare coverage for the next year. Learn more
- Special Enrollment Periods (SEPs): You may qualify for a SEP due to life changes like relocation or losing other coverage, allowing you to make plan changes outside the typical enrollment periods. Learn more
How to Enroll
- Talk to a Licensed Agent: Speak with a licensed health insurance agent from HealthCompare 1-833-748-3201 (TTY 711) (Mon-Fri 5am-6pm, Sat 6am-5pm PST) for personalized guidance.
- Enroll Directly with the Plan Provider: Contact your chosen plan provider online or by phone to complete your enrollment.
- Visit Medicare.gov: Compare plans and enroll through the official Medicare website at Medicare.gov.
What is the difference between Medicare Advantage and Original Medicare?
Medicare Advantage (Part C) is offered by private insurance companies and combines Medicare Part A and Part B coverage, often with additional benefits like dental and vision. Original Medicare is administered by the federal government and covers Part A and Part B separately, without the extra perks.
How are Medicare Advantage plans rated?
The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage plans on a 5-star scale, based on quality and performance. These ratings consider factors such as member satisfaction, quality of care, and customer service.
Can I use any doctor with a Medicare Advantage plan?
Whether you can use any doctor depends on the type of Medicare Advantage plan you choose. For example, HMO plans typically require you to stay within a network of providers, while PPO plans allow you to see out-of-network doctors at a higher cost.
What happens if I’m already enrolled in a Medicare Advantage plan and want to switch?
If you want to switch your Medicare Advantage plan, you can do so during the Annual Enrollment Period (AEP) from October 15 to December 7, or during the Medicare Advantage Open Enrollment Period (MA OEP) from January 1 to March 31. Special Enrollment Periods (SEPs) may also apply in certain circumstances.
Can I enroll in a Medicare Advantage plan if I have pre-existing conditions?
Yes, you can enroll in a Medicare Advantage plan even if you have pre-existing conditions. Medicare Advantage plans cannot deny you coverage or charge you more based on your health status.
How do I qualify for a Special Enrollment Period?
You may qualify for a Special Enrollment Period (SEP) if you experience certain life events, such as moving to a new area, losing other health coverage, or becoming eligible for Medicaid. SEPs allow you to make changes to your Medicare Advantage plan outside of the standard enrollment periods.
The MA and MAPD plans on this page are available to people on Medicare enrolled in both Medicare Part A and Part B living in Georgiana, Greenville, Mc Kenzie, and all other areas of Butler County, Alabama.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, Healthy Blue, HealthSun, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint.
CMS Plan IDs Presented
The Medicare Advantage plan pages listed in the tables above include localization to assist beneficiaries with plans available in their service area. However, most Part C plans are available in more than one service area, which can lead to confusion. The following list of CMS IDs links to our master plan pages without localization.
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed 25 May, 2025
- Medicare.gov, "Compare Original Medicare & Medicare Advantage", Last Accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage", Last Accessed 25 May, 2025
- CMS.gov, Landscape Source Files, Last Accessed March 15, 2025