Medicare Advantage Plans in Cherokee County, AL:
Your Complete 2026 Guide
For 2026, residents of Cherokee County, AL can choose from 34 Medicare Advantage plan options. Of these, 23 cost nothing beyond the Part B premium. Enrollment in the County stands at approximately 2,615, with 50% of plans achieving 4 stars or better. This page and its statistics exclude Special Needs Plans (SNPs). See Medicare Special Needs Plans available in Cherokee County, AL.
Last update: . Enrollment data last updated: February 13, 2026
* CMS rates Medicare Advantage plans annually using a 5-star system. Data sources
Medicare Advantage PPO Plans
Preferred Provider Organization (PPO) plans allow members to choose care from both in-network and out-of-network providers. While using out-of-network doctors or hospitals usually means higher costs, PPOs may appeal to people who want more flexibility in how they access their healthcare.
- Total PPO Plans
- 16
- Average Premium
- $21.74/mo
- Beneficiaries Enrolled
- 1,593
- $0 Premium PPOs
- 10
- Average MOOP
- $6,113
- Most Popular PPO
- Blue Advantage Complete (PPO) with 523 enrollees
- PPOs Without Drug Coverage
- 4
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Aetna Medicare Eagle Plus | $0 | $7,900 | N/A | H5521-229-0 | |
| Aetna Medicare Signature Plus | $0 | $8,900 | $615 | H5521-227-0 | |
| Aetna Medicare Value Plus | $23 | $9,250 | $615 | H5521-467-0 | |
| HumanaChoice H7617-090 | $20 | $3,000 | $615 | H7617-090-0 | |
| AARP Medicare Advantage from UHC AL-0004 | $0 | $6,700 | $600 | H1889-015-0 | |
| Blue Advantage Choice | $0 | $6,150 | $325 | H0104-016-0 | |
| Blue Advantage Complete | $36 | $5,900 | $200 | H0104-012-0 | |
| Blue Advantage Premier | $163 | $2,900 | $0 | H0104-015-0 | |
| DEVOTED CHOICE 001 AL | $0 | $6,200 | $375 | H9888-001-0 | |
| DEVOTED CHOICE GIVEBACK 005 AL | $0 | $7,900 | $605 | H9888-005-0 | |
| DEVOTED CHOICE MA ONLY 007 AL | $0 | $7,900 | N/A | H9888-007-0 | |
| Humana USAA Honor Giveback | $0 | $4,150 | N/A | H5216-236-0 | |
| HumanaChoice H5216-368 | $20 | $3,000 | $615 | H5216-368-0 | |
| HumanaChoice R0110-017 | $0 | $4,650 | N/A | R0110-017-0 | |
| HumanaChoice R0110-018 | $86 | $6,500 | $590 | R0110-018-0 | |
| HealthSpring True Choice | $0 | $6,800 | $250 | H7849-143-0 |
- What is the typical premium for PPO plans available in Cherokee?
- The mean monthly PPO premium in Cherokee is $21.74, and 10 plans have no premium.
- Which PPO plan do most beneficiaries choose in Cherokee?
- Blue Advantage Complete (PPO) leads PPO enrollment in Cherokee, with 523 members.
Medicare Advantage HMO Plans
Health Maintenance Organization (HMO) plans generally require members to use doctors, hospitals, and other providers within the plan’s network, except in emergencies. Because of this structure, HMOs often come with lower premiums and out-of-pocket costs compared with other plan types.
- Total HMO Plans 13
- Average Premium $10.69/mo
- Beneficiaries Enrolled 870
- $0 Premium HMOs 10
- Average MOOP $6,119
- Most Popular HMO VIVA Medicare Plus (HMO) with 197 enrollees
- HMOs Without Drug Coverage 3
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| HealthSpring Courage | $0 | $5,750 | N/A | H4513-045-0 | |
| HealthSpring Preferred | $0 | $4,750 | $200 | H4513-077-1 | |
| HealthSpring Preferred Full Savings | $0 | $5,600 | $500 | H4513-088-0 | |
| HealthSpring Preferred Plus | $20 | $4,750 | $200 | H4513-087-1 | |
| Humana Gold Plus H4461-078 | $0 | $6,100 | $590 | H4461-078-0 | |
| Humana Gold Plus H4461-079 | $20 | $4,450 | $615 | H4461-079-0 | |
| Humana USAA Honor Giveback | $0 | $4,150 | N/A | H4461-075-0 | |
| VIVA Medicare Plus | $0 | $9,250 | $350 | H0154-015-2 | |
| VIVA Medicare Premier | $99 | $6,500 | $200 | H0154-011-0 | |
| VIVA Medicare Select | $0 | $9,250 | N/A | H0154-008-0 | |
| DEVOTED CORE 001 AL | $0 | $5,500 | $375 | H3080-001-0 | |
| DEVOTED GIVEBACK 002 AL | $0 | $6,750 | $605 | H3080-002-0 | |
| Humana Gold Plus H5619-089 | $0 | $6,750 | $615 | H5619-089-0 |
- What is the top HMO by enrollment in Cherokee?
- VIVA Medicare Plus (HMO) is the most popular HMO plan in Cherokee, with 197 enrollees.
- What is the number of HMO plans without Part D coverage in Cherokee?
- 3 HMO plans in Cherokee do not include prescription drug coverage.
- What is the total number of HMO plans offered in Cherokee?
- There are 13 HMO plans in 2026, covering 870 beneficiaries.
- How much do HMO plans cost on average in Cherokee?
- The average HMO premium is $10.69, with 10 costing $0.
Medicare Advantage HMO-POS Plans
HMO Point-of-Service (HMO-POS) plans blend elements of HMO and PPO coverage. You can see providers outside the network, but out-of-network services typically cost more. This type of plan may appeal to people who like the lower costs of an HMO but also want occasional flexibility to go out of network.
- Total HMO-POS Plans 5
- Average Premium $14.20/mo
- Beneficiaries Enrolled 152
- $0 Premium HMO-POS 3
- Average MOOP $5,760
- Most Popular HMO-POS AARP Medicare Advantage from UHC AL-0003 (HMO-POS) with 97 enrollees
- HMO-POS Without Drug Coverage 1
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage from UHC AL-0003 | $0 | $5,900 | $440 | H2802-041-0 | |
| AARP Medicare Advantage from UHC AL-6 | $31 | $4,900 | $440 | H2802-079-0 | |
| AARP Medicare Advantage from UHC AL-0001 | $0 | $6,700 | $600 | H0432-003-0 | |
| AARP Medicare Advantage from UHC AL-0002 | $40 | $5,400 | $440 | H0432-004-0 | |
| AARP Medicare Advantage Patriot No Rx AL-MA01 | $0 | $5,900 | N/A | H0432-012-0 |
How many HMO-POS plans are available in Cherokee?
Cherokee offers 5 HMO-POS plans with 152 members.
What is the average monthly premium for HMO-POS plans?
On average, HMO-POS plans in Cherokee cost $14.20 per month.
Which HMO-POS plan is most popular in Cherokee?
The leading HMO-POS in Cherokee is AARP Medicare Advantage from UHC AL-0003 (HMO-POS), with 97 members.
The table below shows the quality ratings for Medicare Advantage plans offered in Cherokee County, AL for 2026.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 17 | 50% |
| 3 Stars | 17 | 50% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.78 | |
Medicare Advantage comes with strict enrollment windows. By knowing when and how to sign up, you’ll avoid missed deadlines and keep your healthcare coverage aligned with your needs.
Key Medicare Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window starts three months before the month you turn 65 and ends three months after. It’s the first time you can sign up for Medicare and, if you choose, a Medicare Advantage plan. Learn more
- Medicare Advantage Open Enrollment Period (MA OEP): Each year from January 1 through March 31, you may change to another Medicare Advantage plan or drop your plan and return to Original Medicare. Learn more
- Annual Enrollment Period (AEP): This yearly window, running October 15 to December 7, gives you the opportunity to join, switch, or drop Medicare Advantage and Part D plans. Learn more
- Special Enrollment Periods (SEPs): Certain qualifying events, such as a change in residence or loss of existing coverage, may allow you to enroll in or change Medicare Advantage plans outside of the usual enrollment windows. Learn more
Ways to Enroll in Medicare Advantage
- Consult a Licensed Agent: Call a licensed insurance agent at HealthCompare 1-833-748-3201 (TTY 711), available Monday through Friday 5am–6pm and Saturday 6am–5pm PST, for help reviewing your Medicare options.
- Contact the Plan Provider Directly: Enrollment can also be completed by calling the plan provider’s customer service line or visiting their official website.
- Use Medicare.gov: The official Medicare website, Medicare.gov, lets you review available plans and complete enrollment online.
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 Cedar Bluff, Centre, Gaylesville, Leesburg, and all other areas of Cherokee County, Alabama.
Plans Offered for Enrollment through Medicare.org
Medicare Advantage and Part D plans and benefits offered by the following carriers: Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross and Blue Shield, Aspire Health Plan, Baylor Scott & White Health Plan, Capital Blue Cross, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, GlobalHealth, Health Care Service Corporation, HealthSpring℠, HealthSun, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Medica Central Health Plan, Optimum HealthCare, Premera Blue Cross, SCAN Health Plan, Simply, UnitedHealthcare(R), Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Last accessed September 26, 2025
- CMS.gov, Medicare Part C & D Performance — Last accessed October 10, 2025
- CMS.gov, Plan Benefits Package — Last accessed October 13, 2025
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Last accessed February 13, 2026
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Landscape file, Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data. Enrollment counts and rankings (such as Top 3 plans by enrollment) are derived from CMS monthly enrollment files and aggregated at the county level.
Medicare.org separates Medicare Advantage (MA/MAPD) plans and Special Needs Plans (SNPs) into different pages for clarity. As a result, plan counts, percentages, and other calculations shown here may differ from the aggregate totals published in the CMS Landscape files. All plan availability and benefit details originate from CMS.
Learn more about how we use CMS data.
- Medicare.gov, "Understanding Medicare Advantage Plans" — Last accessed 25 May, 2025
- Medicare.gov, "Explore your Medicare coverage options" — Last accessed 25 May, 2025
- AARP.org, "The Big Choice: Original Medicare vs. Medicare Advantage" — Last accessed 25 May, 2025
Some facts and percentages shown on this page (such as average premiums, distribution of plan types, and percentage of $0 premium plans) are calculated by Medicare.org using data from the CMS Plan Benefits Package (PBP) files and Part C & D Performance files. All underlying values originate from CMS, and calculations are refreshed whenever CMS issues updated data.
To explore how 2026 Medicare Advantage plans available in Cherokee County compare with plans offered elsewhere, you can search the Medicare Advantage plan directory to review options nationwide using the same authoritative data sources.
Medicare.org is owned and operated by Health Network Group, LLC, an Allstate company. Medicare.org provides information only and is not connected with or endorsed by the U.S. Government or the federal Medicare program.
Data provenance documentation is maintained in alignment with the U.S. Core Data for Interoperability (USCDI) Provenance standard.
Page content independently curated and maintained by David W. Bynon, Medicare Technical Operator, using a standardized, data-driven methodology designed for accurate, non-commercial Medicare plan interpretation and resolution.