Medicare Advantage Plans in Cherokee County, AL:
Your Complete 2027 Guide
In Cherokee County, AL, Medicare beneficiaries have 37 Medicare Advantage plans to consider for 2027. Among them, 26 are offered at a $0 premium. About 2,583 people in the County are currently enrolled, and 49% of plans are rated 4 stars or higher. The totals and data on this page do not cover Special Needs Plans. View SNPs available in Cherokee County, AL. You can also review all Medicare coverage options available in Cherokee County.
Last update: . Enrollment data last updated: October 5, 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
- 17
- Average Premium
- $15.49/mo
- Beneficiaries Enrolled
- 1,474
- $0 Premium PPOs
- 11
- Average MOOP
- $6,679
- Most Popular PPO
- Blue Advantage Complete (PPO) with 527 enrollees
- PPOs Without Drug Coverage
- 4
What is the most popular PPO plan in Cherokee?
The most popular PPO in Cherokee is Blue Advantage Complete (PPO), covering 527 beneficiaries.
What is the number of PPO plans without Part D coverage in Cherokee?
4 PPO plans available in Cherokee do not include Part D benefits.
What is the total number of PPO plans offered in Cherokee?
In 2027, Cherokee offers 17 PPO plans with 1,474 enrollees.
How much do PPO plans cost on average in Cherokee?
On average, PPO plans in Cherokee cost $15.49 per month.
Medicare Advantage HMO Plans
With an HMO, you’ll typically get care from providers and facilities in the plan’s network. In exchange for this limitation, HMO plans usually feature lower monthly premiums and reduced cost-sharing, which can help enrollees better manage their healthcare expenses.
- Total HMO Plans
- 13
- Average Premium
- $12.31/mo
- Beneficiaries Enrolled
- 947
- $0 Premium HMOs
- 10
- Average MOOP
- $6,743
- Most Popular HMO
- HealthSpring Preferred Extra Savings (HMO) with 211 enrollees
- HMOs Without Drug Coverage
- 3
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| Humana Gold Plus H4461-078 | $0 | $6,360 | $700 | H4461 078 0 | |
| Humana Gold Plus H4461-079 | $36 | $4,900 | $700 | H4461 079 0 | |
| Humana USAA Honor Giveback | $0 | $4,150 | N/A | H4461 075 0 | |
| Humana Gold Plus H5619-089 | $0 | $7,150 | $700 | H5619 089 0 | |
| VIVA Medicare Plus | $0 | $9,250 | $450 | H0154 015 2 | |
| VIVA Medicare Premier | $99 | $6,500 | $350 | H0154 011 0 | |
| VIVA Medicare Select | $0 | $9,250 | N/A | H0154 008 0 | |
| DEVOTED CORE 001 AL | $0 | $5,700 | $465 | H3080 001 0 | |
| DEVOTED GIVEBACK 002 AL | $0 | $9,850 | $461 | H3080 002 0 | |
| HealthSpring Courage | $0 | $5,750 | N/A | H4513 045 0 | |
| HealthSpring Preferred | $0 | $5,550 | $400 | H4513 077 1 | |
| HealthSpring Preferred Extra Savings | $0 | $8,500 | $300 | H4513 088 0 | |
| HealthSpring Preferred Plus | $25 | $4,750 | $400 | H4513 087 1 |
How many HMO plans are available in Cherokee?
There are 13 HMO plans in 2027, covering 947 beneficiaries.
What is the average monthly premium for HMO plans?
The average HMO premium is $12.31, with 10 costing $0.
Which HMO plan is most popular in Cherokee?
HealthSpring Preferred Extra Savings (HMO) is the most popular HMO plan in Cherokee, with 211 enrollees.
How many HMO plans in Cherokee do not include drug coverage?
3 HMO plans in Cherokee do not include prescription drug coverage.
Medicare Advantage HMO-POS Plans
With HMO Point-of-Service (HMO-POS) plans, you can enjoy the cost savings of an HMO while still having the flexibility to see out-of-network providers when necessary. Though out-of-network care typically costs more, this type of plan offers a good middle ground for those who want some freedom in their provider choices.
| Plan Name | CMS Stars* | Premium/Mo | MOOP | Rx Ded. | CMS ID |
|---|---|---|---|---|---|
| AARP Medicare Advantage Essentials from UHC AL-3 | $0 | $6,300 | $685 | H2802 041 0 | |
| AARP Medicare Advantage Extras from UHC AL-7 | $0 | $7,150 | $685 | H2802 087 0 | |
| AARP Medicare Advantage from UHC AL-0001 | $0 | $7,150 | $685 | H0432 003 0 | |
| AARP Medicare Advantage from UHC AL-0002 | $45 | $5,400 | $685 | H0432 004 0 | |
| AARP Medicare Advantage from UHC AL-6 | $43 | $5,400 | $685 | H2802 079 0 | |
| AARP Medicare Advantage Patriot No Rx AL-MA01 | $0 | $7,150 | N/A | H0432 012 0 | |
| AARP Medicare Advantage Patriot No Rx AL-MA2 | $0 | $7,150 | N/A | H2802 086 0 |
- What is the typical premium for HMO-POS plans in Cherokee?
- The average HMO-POS premium is $12.57, with 5 costing $0.
- Which HMO-POS plan has the most members in Cherokee?
- AARP Medicare Advantage Essentials from UHC AL-3 (HMO-POS) is the most popular HMO-POS plan in Cherokee, with 103 enrollees.
- How many HMO-POS options are offered without prescription drug coverage in Cherokee?
- 2 HMO-POS plans in Cherokee do not include drug coverage.
The table below shows the quality ratings for Medicare Advantage plans offered in Cherokee County, AL for 2027.
| Rating Category | Number of Plans | Percent of Plans |
|---|---|---|
| 5 Stars | No 5-star plans available. | 0% |
| 4 Stars (includes 5 Stars) | 18 | 49% |
| 3 Stars | 19 | 51% |
| Below 3 Stars | 0 | 0% |
| Not Rated | 0 | 0% |
| Average Rating | 3.82 | |
In Cherokee County, Medicare Advantage enrollment follows specific timelines. Understanding these options—whether it’s your first time enrolling or switching plans—helps you choose coverage that matches your health and budget.
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): From October 15 through December 7 each year, you can make changes to your Medicare coverage for the following year. Learn more
- Special Enrollment Periods (SEPs): Outside the standard enrollment dates, you may qualify for a Special Enrollment Period if specific circumstances apply, including relocation or coverage loss. Learn more
Enrollment Options Explained
- Licensed Agent Assistance: For one-on-one guidance, contact HealthCompare at 1-833-748-3201 (TTY 711). Agents are available Mon-Fri 8AM-10PM, Sat 9AM-8PM EST.
- Contact the Plan Provider Directly: Start enrollment by reaching out to the plan provider through their website or by phone with their member services team.
- Use Medicare.gov: At Medicare.gov, you can compare Medicare Advantage plans side by side and enroll securely 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. For a broader view of coverage choices across the state, see Medicare plan options in Alabama.
Plans Offered through Medicare.org
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, Dean Health Plan, Devoted Health, Florida Blue Medicare, Freedom Health, 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®, Wellcare, WellPoint
- CMS.gov, Landscape Source Files — Version: CY2027 Landscape (202609.1)
- CMS.gov, Medicare Part C & D Performance — Version: 2027 Star Ratings Data Tables
- CMS.gov, Plan Benefits Package — Version: PBP Benefits-2027
- CMS.gov, Medicare Advantage/Part D Contract and Enrollment Data — Version: 2026-09
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.
- CMS.gov, "Medicare Advantage Plan Fact Sheet" — Last accessed 25 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 25 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — 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 2027 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, Editorial Steward, using a standardized, data-driven methodology for accurate Medicare coverage interpretation and resolution.