Understanding Medicare Special Needs Plans in Covington County, Alabama
In Covington County, AL, Medicare beneficiaries have access to 17 Special Needs Plans (SNPs) in 2026. Among them, 7 are available at a $0 premium. About 1,804 people in the County are enrolled, with 43% of SNPs rated 4 stars or higher. These plans are designed for individuals with specific healthcare needs, including dual eligibility for Medicare and Medicaid, chronic conditions, or long-term care requirements.
Page last revised:
Enrollment data refreshed: October 13, 2025
* Each year CMS evaluates Medicare Advantage plans on a 5-star scale. Data sources
Dual Eligible Special Needs Plans (D-SNPs)
Dual Eligible Special Needs Plans (D-SNPs) are designed for people who qualify for both Medicare and Medicaid. These plans coordinate benefits to reduce costs and provide access to additional support services.
- Total D-SNP Plans: 14
- Average Premium: $7.92/mo
- Beneficiaries Enrolled: 1,348
- $0 Premium D-SNPs: 6
- Zero Cost D-SNP Plans: 6
- Most Popular D-SNP: UHC Dual Complete AL-D002 (D-SNP) with 457 enrollees
- D-SNPs Without Drug Coverage: 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network |
|---|---|---|---|
| Humana Dual Select H4461-077 | $0 | HMO D-SNP | |
| Humana Gold Plus SNP-DE H4461-074 | $0 | HMO D-SNP | |
| Humana Gold Plus SNP-DE H4461-076 | $0 | HMO D-SNP | |
| UHC Dual Complete AL-D002 | $17 | PPO D-SNP | |
| UHC Dual Complete AL-S1 | $15 | HMO-POS D-SNP | |
| UHC Dual Complete AL-V002 | $26 | HMO-POS D-SNP | |
| Aetna Medicare Dual Care | $0 | HMO D-SNP | |
| Aetna Medicare Dual Extra Care | $0 | HMO D-SNP | |
| Aetna Medicare Full Dual Care | $0 | HMO D-SNP | |
| HumanaChoice SNP-DE H5216-370 | $1 | PPO D-SNP | |
| UHC Dual Complete AL-D001 | $3 | HMO-POS D-SNP | |
| UHC Dual Complete AL-V001 | $17 | HMO-POS D-SNP | |
| Humana Dual Select H5619-093 | $4 | HMO D-SNP | |
| Simpra Advantage Dual Care | $28 | PPO D-SNP |
How much do D-SNP plans cost on average in Covington County?
On average, D-SNP plans in Covington County cost $7.92 per month.
What D-SNP plan has the highest enrollment in Covington County?
The leading D-SNP in Covington County is UHC Dual Complete AL-D002 (D-SNP), with 457 members.
What is the total number of D-SNP options in Covington County?
In 2026, Covington County offers 14 D-SNPs with 1,348 enrollees.
How much do D-SNP plans cost on average in Covington County?
On average, D-SNP plans in Covington County cost $7.92 per month.
Institutional Special Needs Plans (I-SNPs)
These plans cater to individuals residing in long-term care facilities, such as nursing homes, or those requiring extended skilled nursing facility care at home. The CMS website provides more information about I-SNPs and their coverage details.
- Total I-SNP Plans
- 2
- Average Premium
- $54.35/mo
- Beneficiaries Enrolled
- 25
- $0 Premium I-SNPs
- 0
- Average MOOP
- $15,300
- Most Popular I-SNP
- Simpra Advantage Nursing Home Plan (I-SNP) with 25 enrollees
- I-SNPs Without Drug Coverage
- 0
| Health Plan Name | CMS Rating* | Premium Per Mo | Network |
|---|---|---|---|
| Simpra Advantage Assist | $81 | PPO I-SNP | |
| Simpra Advantage Nursing Home Plan | $28 | PPO I-SNP |
What I-SNP plan has the highest enrollment in Covington County?
Simpra Advantage Nursing Home Plan (I-SNP) is the most popular I-SNP in Covington County, with 25 enrollees.
What is the total number of I-SNP options in Covington County?
There are 2 I-SNP plans in 2026, covering 25 beneficiaries.
Chronic Condition Special Needs Plans (C-SNPs)
These plans are designed for individuals with severe or disabling chronic conditions. C-SNPs excel at coordinating your care among different medical specialists and often include extra benefits like prescription drug plans.
| Health Plan Name | CMS Rating* | Premium Per Mo | Network |
|---|---|---|---|
| UHC Complete Care AL-5 | $0 | HMO-POS C-SNP |
What is the average premium for C-SNP plans in Covington County?
On average, C-SNP plans in Covington County cost $0.00 per month.
Which C-SNP is the most popular in Covington County?
The leading C-SNP in Covington County is UHC Complete Care AL-5 (C-SNP), with 431 members.
How many C-SNP plans are available in Covington County?
In 2026, Covington County offers 1 C-SNPs with 431 enrollees.
Medicare Special Needs Plans have 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): Between January 1 and March 31, people already enrolled in Medicare Advantage can make a one-time change—switch to another plan or 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): Life events like moving to a new service area, losing other health coverage, or becoming eligible for assistance may open a Special Enrollment Period to adjust your Medicare coverage. Learn more
How to Sign Up for a Special Needs Plan
- Licensed Agent Assistance: For one-on-one guidance, contact HealthCompare at 1-833-748-3201 (TTY 711). Agents are available Monday through Friday 5am–6pm and Saturday 6am–5pm PST.
- 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 D-SNP, C-SNP, and I-SNP plans listed on this page are available to qualifying individuals enrolled in Medicare Part A and Part B living in Andalusia, Florala, Opp, Red Level, and all other areas of Covington 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 Plan IDs Presented
The Medicare Special Needs 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.
- 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 October 13, 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.
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 24 May, 2025
- Medicare.gov, "Your coverage options" — Last accessed 23 May, 2025
- NCOA.org, "5 Steps to Choosing the Right Medicare Plan for You" — Last accessed 22 May, 2025
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 managed by David Bynon, Medicare Analyst.