Alabama · 2026 plan year
Medicare Advantage PPO plans in Alabama
There are 576 Medicare Advantage PPO plans in Alabama from 56 carriers, averaging 4.03 out of 5 stars across the 568 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.
576
PPO plans
56
Carriers
67
Counties covered
4.0
Avg stars (568 of 576 rated)
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.
Alabama PPO plans rank 9th of 51 on star rating.
Across the 568 rated plans here the average overall rating is 4.03 stars, 9th highest of the 51 states with PPO plans. Ratings apply to the contract, so every plan a carrier files under one contract shares the same score.
Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.
Highest rated
Top-rated PPO plans in Alabama
| Plan | Stars | Out-of-pocket max | Premium / mo |
|---|---|---|---|
| Aetna Medicare $100 Buy-Down Plan (PPO)Aetna Medicare | 4.5★ | — | — |
| Aetna Medicare $100 Buy-Down Plan w/Rx (PPO)Aetna Medicare | 4.5★ | — | — |
| Aetna Medicare $25 Buy-Down Plan (PPO)Aetna Medicare | 4.5★ | — | — |
| Aetna Medicare $25 Buy-Down Plan w/Rx (PPO)Aetna Medicare | 4.5★ | — | — |
| Aetna Medicare $50 Buy-Down Plan (PPO)Aetna Medicare | 4.5★ | — | — |
Showing 5 of 576. See all AlabamaMedicare Advantage plans →
Who sells here
PPO plans by carrier
| Carrier | Plans | Avg stars | SNPs |
|---|---|---|---|
| UnitedHealthcareUnitedHealth Group, Inc. | 169 | 4.5 | 2 |
| HumanaHumana Inc. | 50 | 3.8 | 1 |
| Anthem Blue Cross and Blue ShieldElevance Health, Inc. | 40 | 3.8 | — |
| Aetna MedicareCVS Health Corporation | 39 | 4.4 | — |
| Cigna HealthCareHealth Care Service Corporation | 31 | 3.9 | — |
| Blue Cross and Blue Shield of MontanaHealth Care Service Corporation | 21 | 3.5 | — |
| Blue Cross and Blue Shield of IL, NM, OK, TXHealth Care Service Corporation | 15 | 3.0 | — |
| Devoted HealthDevoted Health, Inc. | 13 | 3.5 | 8 |
| Blue Cross and Blue Shield of AlabamaBlueCross BlueShield of Alabama | 12 | 4.0 | — |
| Highmark Blue Cross Blue Shield or Highmark Blue SHighmark Health | 12 | 4.5 | — |
| Braven HealthHorizon Mutual Holdings, Inc | 8 | 4.0 | — |
| Highmark Blue Cross Blue ShieldHighmark Health | 8 | 3.8 | — |
Other plan types in Alabama
How PPO compares
Nearby on quality
States with similar PPO star ratings
Common questions
Alabama Medicare Advantage PPO plans, answered
How much do Medicare Advantage PPO plans cost in Alabama?
Of the Alabama PPO plans with a published premium, 93% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Alabama PPO plans?
The 568 rated PPO plans in Alabama average 4.03 out of 5 stars, with 377 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in Alabama?
There are 576 PPO plans from 56 carriers, sold across 67 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 14 of them are Special Needs Plans with extra eligibility rules (see below).
Do Alabama PPO plans include prescription drug coverage?
576 of the 576 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Alabama?
14 of the 576 PPO plans in Alabama are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.
A $0 premium is not the whole cost.
See what a year really looks like.
Simplivera models your actual annual costs across Alabama Medicare Advantage plans.
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