Medicare Advantage Plans Huntsville 2025

Are you navigating the maze of Medicare Advantage plans in Huntsville? Understanding your options is essential in making an informed decision about your healthcare coverage for 2025.

Our guide reveals critical insights and comparisons you need, including plan benefits, costs, and provider networks specifically for Huntsville residents—let’s dive straight into what makes these Medicare Advantage plans in Huntsville a go-to choose for local Medicare beneficiaries.


Key Takeaways


  • A variety of Medicare Advantage plan types for 2025, including HMO and PPO, provide various levels of network flexibility and care options, with tools like’s plan finder assisting in selection based on star ratings and personal healthcare needs.


  • While Medicare Advantage plans provide comprehensive coverage, potential enrollees can also consider Medigap policies for supplemental coverage, and specialized plans such as Special Needs Plans (SNPs) are available for those with specific conditions or needs.

Compare Plans in One Step!

Enter Zip Code



Exploring Medicare Advantage in Huntsville: A 2025 Overview


Medicare Advantage Plans Huntsville 2025, Exploring Medicare Advantage in Huntsville: A 2024 Overview


Delving into the world of Medicare Advantage plans, one might wonder, “What makes these plans stand out from Original Medicare?” The answer lies in the additional benefits and potential cost savings that these plans offer.

Alabama Medicare Advantage plans, offered by private insurers, encompass all the benefits of Original Medicare but feature different out-of-pocket costs and provider networks.

Moreover, recent legislation and Medicare policy updates have further enhanced the benefits offered by these plans. In addition to covering all Part A and Part B benefits, Medicare Advantage Plans in Alabama now include added benefits that could lead to potential cost savings for Huntsville residents when compared to Original Medicare.

These enhancements make Medicare Advantage a potentially attractive alternative to Original Medicare.


Local Plan Insights

One of the first steps in evaluating your Medicare Advantage options is to understand the local plan landscape. In Huntsville, several Medicare Advantage plan providers, such as Humana, Cigna, and BCBS of Alabama, offer plans with $0 monthly premiums.

The average monthly premium for Medicare Advantage plans in Madison County, which includes Huntsville, is $15.54. This affordability makes Medicare Advantage a potentially attractive option for many residents.

In addition to monthly premiums, it’s also important to consider maximum out-of-pocket costs. These costs can vary by plan and provider. Here are some examples of maximum out-of-pocket costs for Medicare Advantage plans in Huntsville:

  • UnitedHealthcare: $4,500


  • Cigna: $6,700


  • Humana: $5,000


  • BCBS of Alabama: $5,500


  • Viva Healthcare: $6,000


For those Medicare Advantage plans that integrate Part D prescription drug coverage, the average annual drug plan deductible in Madison County is $150.77.


Navigating Networks

When researching Medicare Advantage in Huntsville, you will come across different plan types, including:

  • Health Maintenance Organization (HMO)


  • Preferred Provider Organization (PPO)


  • Private Fee-for-Service (PFFS)



Each plan type offers its own set of benefits and considerations for your healthcare needs. Each type presents varying levels of network flexibility and cost. Understanding these differences is crucial to selecting a plan that best suits your healthcare needs and preferences.

For instance, HMO plans typically require members to stay within the plan’s local network for services and generally necessitate referrals for specialist care, but they cover out-of-network care in emergencies.

On the other hand, PPO plans offer the option to visit both in-network and out-of-network providers, with increased costs for using out-of-network services, and do not usually require referrals for specialists.

The annual maximum out-of-pocket (MOOP) cost for Cigna’s HMO plan in Huntsville is $4,900, indicating a competitive budget option for beneficiaries. Meanwhile, Humana offers a local PPO insurance plan in Huntsville with a $0 monthly premium and a maximum out-of-pocket limit of $6,700, catering to those preferring PPO networks for their flexibility.


Selecting Your Ideal Medicare Advantage Plan


Medicare Advantage Plans Huntsville 2025, Selecting Your Ideal Medicare Advantage Plan


Choosing the right Medicare Advantage plan can feel like finding a needle in a haystack. With so many providers and plans to choose from, how do you pick the one that best suits your needs?

The key lies in considering several pivotal factors, such as:

  • Costs


  • The extent of coverage


  • Provider networks


  • Additional benefits


Medicare Advantage plans in Huntsville offer:

  • The same primary care coverage as the Original Medicare


  • Additional healthcare benefits


  • Team-based healthcare support involving pharmacists, case managers, doctors, and specialists



  • Options like Special Needs Plans are available to those with specific conditions


Remember, it’s essential to verify plan availability by entering one’s ZIP code on due to variations in PPO and other Medicare Advantage options across Alabama.


Consulting Licensed Insurance Agents

As you consider your Medicare Advantage options, consulting licensed insurance agents can be a valuable step in the process. These professionals specialize in providing personalized advice tailored to an individual’s health insurance needs, values, goals, and beliefs when considering Medicare Advantage Plans.

Their expertise can guide you through the complex landscape of Medicare Advantage plans, helping you find a plan that best aligns with your healthcare needs and financial resources.

One-way licensed insurance agents assist is by calculating the ‘Expected Total Annual Cost’ for beneficiaries. This calculation helps you understand the total expected cost of each plan, based on your specific circumstances, and can play a crucial role in finding the most suitable Medicare Advantage plan for you.


Assessing Plan Ratings and Reviews

Beyond cost and coverage, it’s also important to consider the quality of the Medicare Advantage plans available to you. One useful tool for assessing quality is the star rating system for Medicare Advantage plans, which ranges from one to five stars, with five stars being the highest possible rating a plan can receive.

These ratings are based on numerous factors, including:

  • Quality of care


  • Management of chronic conditions


  • Plan responsiveness


  • Customer service


  • Member satisfaction


In Alabama, no Medicare Advantage insurance companies have an average overall star rating of 4.5 or higher, indicating that there is room for improvement in plan performance. However, by using’s plan finder tool, which provides Medicare Advantage plan ratings and availability based on ZIP code, you can identify the best plans in Huntsville.

The Standout Medicare Advantage Plans in Huntsville


Medicare Advantage Plans Huntsville 2025, The Standout Medicare Advantage Plans in Huntsville


With a clear understanding of what to look for in a Medicare Advantage plan, it’s time to spotlight some of the standout options in Huntsville.

A significant 69% of all Medicare Advantage plans available in Madison County, which includes Huntsville, boast a CMS star rating of 4 or higher. This points to a variety of high-quality plans at your disposal.

Standout providers include VIVA Medicare, which offers several five-star rated Medicare Advantage plans in Alabama, such as VIVA Medicare Classic and VIVA Medicare Premier among others. UnitedHealthcare’s Medicare Advantage plan in Huntsville has also earned a four-star rating, signifying strong performance and beneficiary satisfaction.

In addition, every Medicare beneficiary in Alabama, including those in Huntsville, has access to Medicare Advantage plans with a $0 monthly premium.


Cigna’s Leading HMO Option

One provider to consider in your Cigna Preferred Medicare Advantage plan hunt is Cigna. This provider’s Medicare Advantage plans in Huntsville offer:

  • Hospital (Part A) coverage


  • Medical (Part B) coverage


  • Prescription drug (Part D) coverage


  • Some plans also offer additional dental, vision, and hearing benefits


This comprehensive Blue Cross coverage can ensure that you have access to a wide range of healthcare services under one plan.

What’s more, many of the Cigna Medicare Advantage HMO plans are available in Huntsville with low or no monthly premiums, catering to a range of budgetary needs.

However, it’s important to remember that the availability of Cigna’s Medicare Advantage plans may vary based on the enrollee’s specific ZIP code within Huntsville. Therefore, be sure to verify the availability of these plans in your area.


Examining PPO Alternatives

If you value flexibility in choosing healthcare providers, then a Preferred Provider Organization (PPO) plan might be a suitable choice for you. These plans are designed for beneficiaries who value the flexibility in selecting their healthcare providers.

In Huntsville, Medicare Advantage PPO plans, such as those offered by Cigna, present a desirable balance between cost and the freedom to choose healthcare providers. With a PPO plan, you have the freedom to visit both in-network and out-of-network providers, allowing you greater control over your healthcare decisions.


Prescription Drug Coverage Within Huntsville Plans


Medicare Advantage Plans Huntsville 2025, Prescription Drug Coverage Within Huntsville Plans


Now that we’ve explored the various Medicare Advantage plan options in Huntsville, it’s time to delve into the topic of prescription drug coverage. Most Medicare Advantage plans in Huntsville come with integrated Medicare Part D prescription drug coverage, offering a convenient package of health and medication benefits in one plan.

Medicare Advantage plans in Huntsville typically cover a wide array of prescription drugs, including both generics and brand names, ensuring that beneficiaries have access to the medications they need.

Lower-income enrollees and individuals eligible for both Medicare and Medicaid in Huntsville may experience reduced medication costs, with some plans featuring generic drugs starting at $0.


Evaluating Drug Formularies

When evaluating Medicare Advantage drug formularies, it’s important to ensure that your specific prescription drugs are covered. Drug formularies can vary significantly from one Medicare Advantage plan to another. This means that a medication covered under one plan might not be covered under another.

As such, it is crucial for enrollees to verify the coverage of their medications in plan formularies before making a final selection. This step will help you avoid unpleasant surprises down the line and ensure that your chosen plan meets your healthcare needs.


Understanding Cost Tiers

Beyond coverage, it’s also vital to understand your plan’s tier structure. Medicare Part D plans in Alabama, including those in Huntsville, utilize a tiered pricing structure that dictates the cost-sharing amounts for prescription drugs.

In this structure, preferred generic medications are often listed on the lower tiers, such as Tier 1, ensuring lower co-payments for Huntsville beneficiaries.

Brand name drugs are generally found on higher tiers, with Tier 2 for preferred brands and Tier 3 for non-preferred brands, each having progressively higher co-payments. Specialty medications are placed on the highest tiers, like Tier 4 or 5, resulting in the highest co-payments within Huntsville’s Medicare Advantage plans.

Understanding one’s Medicare Advantage plan’s tier structure is crucial, as it can significantly affect the availability and affordability of necessary medications for Huntsville residents.

Compare plans and enroll online



Speak with a licensed insurance agent

TTY 711

Mon-Fri : 8am-9pm ET

compare medicare advantage plans

Supplementing Your Coverage: Medigap and Medicare Advantage


Medicare Advantage Plans Huntsville 2025, Supplementing Your Coverage: Medigap and Medicare Advantage


While Medicare Advantage plans offer comprehensive coverage, you might be wondering about other options to supplement your coverage. Enter Medicare supplement insurance, also known as Medigap policies or Medicare supplements.

These Medicare supplement plans in Alabama help cover costs such as copayments, deductibles, and the 20% coinsurance not covered by Original Medicare. For instance, Medigap Plan F in Huntsville provides comprehensive coverage, including excess charges, leaving beneficiaries with few out-of-pocket costs.

On the other hand, Medicare Advantage plans in Huntsville offer more comprehensive coverage compared to Original Medicare, often with additional benefits, although they typically have more out-of-pocket costs for more services.

This comparison between Medigap and Medicare Advantage can help you understand your options and make a well-informed decision about your healthcare coverage.


Medigap Plan Features

As you consider Medigap policies, it’s important to understand their features. Medigap policies in Alabama are standardized by Medicare and regulated by state laws, ensuring consistent coverage levels across different insurers. This means that regardless of the insurer, a Medigap Plan F in Alabama from one insurer will offer the same coverage as a Plan F from another insurer.

Every standardized Medigap plan in Alabama includes coverage for Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted, with some plans offering further benefits like foreign travel emergency services.

The monthly premium for a Medigap Plan G in Huntsville, Alabama, can vary widely, with high-deductible versions also available, indicating a range of costs for beneficiaries.


Making an Informed Decision

Choosing between Medigap or Medicare Advantage plans is a significant decision. Eligibility for these plans can depend on several factors. In order to enroll in a Medicare Advantage Plan in Alabama, individuals must be enrolled in Medicare Part A and Part B. Additionally, they should not be enrolled in Medigap.

On the other hand, Medigap policies are accessible to anyone who is enrolled in Medicare Part A and Part B, excluding those with Medicare Advantage or Medicaid; eligibility beyond the initial enrollment period might be influenced by medical conditions and previous coverage.

Therefore, when making a decision between Medigap or Medicare Advantage, it’s important to consider your specific eligibility criteria as well as your individual healthcare requirements and circumstances. Consulting with a licensed insurance agent or using online resources can be helpful in making an informed decision.

Specialized Plans for Unique Needs

In some cases, you may need a plan that caters specifically to your unique healthcare needs. Special Needs Plans (SNPs) cater to beneficiaries with qualifying conditions, such as chronic diseases or institutionalization, offering benefits tailored to their specific necessities.

These specialized plans enhance their benefit packages to specifically support chronically ill enrollees, providing benefits designed to manage their particular health issues.

For instance, some Medicare Advantage plans in Huntsville offer the following benefits:

  • Air Medical Services, enabling beneficiaries to access air ambulance transportation at no extra cost if they are hospitalized more than 150 miles from their home


  • Beneficiaries with End-Stage Renal Disease (ESRD) in Huntsville may have their hospital and medical bills paid by their group health plan for the first 30 months, after which Medicare steps in as the primary payer.


  • If you are dual-eligible for Medicare and Medicaid, you might receive financial assistance with premiums and cost-sharing, depending on the extent of your Medicaid eligibility.


SNP Eligibility Criteria

Eligibility for SNPs depends on your specific circumstances. To be eligible for a Chronic Condition Special Needs Plan (C-SNP) in Alabama, you must have one or more qualifying severe or disabling chronic conditions. If you are institutionalized in facilities such as nursing homes or require nursing care at home, you may qualify for an Institutional Special Needs Plan (I-SNP).

Meanwhile, Dual Eligible Special Needs Plans (D-SNPs) are specifically for individuals who are dually eligible for both Medicare and Medicaid. Understanding these eligibility criteria can help you determine whether an SNP might be a good fit for your healthcare needs.

Maximizing Benefits with Extra Services


Medicare Advantage Plans Huntsville 2025,Maximizing Benefits with Extra Services


Beyond the standard coverage offered by Medicare Advantage plans, many plans in Huntsville also provide various benefits beyond Original Medicare, such as:

  • Wellness and healthcare planning


  • Access to fitness programs


  • Hearing, dental, and vision services


  • 24-Hour Nurse Hotlines


These extra services can enhance your healthcare experience and promote overall wellness.

Particular Medicare Advantage plans offer unique benefits like the Silver&Fit fitness program, transportation services, over-the-counter drug allowances, and rewards programs such as Blue Advantage Rewards & potential gift cards for preventive health behaviors.

If you are dual-eligible for Medicare and Medicaid, you may even benefit from extra services like reduced out-of-pocket expenses for dental services and gym memberships as well as access to fitness centers through programs like Silver&Fit, all thanks to the integration of Medicaid services and the Medicare contract. With various Medicare plans available, finding the right Medicare Advantage plan tailored to your needs is essential.

Financial Considerations for Huntsville Enrollees


Medicare Advantage Plans Huntsville 2025, Financial Considerations for Huntsville Enrollees


Finally, as you evaluate your Medicare Advantage options, it’s crucial to consider the financial implications. Here are some key points to keep in mind:

  • The average monthly premium for Medicare Advantage Plans in Alabama in 2023 is $11.24, which is a decrease from the previous year.


  • 100% of Alabama residents have access to $0 premium Medicare Advantage Plans.


  • This affordability makes Medicare Advantage a potentially attractive option for many residents.


Certain enrollees, including Medicare beneficiaries, may also be eligible for assistance programs. For instance, individuals in Huntsville with Social Security Disability Insurance (SSDI) are eligible for Medicare and can retain their Medicare coverage for at least 8.5 years after returning to work as long as they remain medically eligible.

Low-income SSDI recipients in Huntsville may qualify for the Qualified Disabled Working Individual program, which provides state assistance with Medicare premiums for those who meet criteria such as limited income and resources.


We’ve navigated through the complex landscape of Medicare Advantage plans in Huntsville, exploring various plan options, understanding costs, and considering additional benefits.

We’ve highlighted the standout plans in Huntsville, examined prescription drug coverage, compared Medigap and Medicare Advantage, and even delved into specialized plans for unique needs. Through it all, we’ve seen that Huntsville residents have a variety of options to choose from, each with its unique benefits and considerations.

As you consider your Medicare Advantage options, remember that the best choice is the one that meets your healthcare needs and financial resources. Whether you prefer the comprehensive coverage of an HMO plan, the flexibility of a PPO plan, or the specialized benefits of a SNP, there’s a Medicare Advantage plan out there for you.


Frequently Asked Questions


  Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers. This creates frustration and prompts them to seek alternatives.


→  What is the difference between Original Medicare and Medicare Advantage?

The main difference between Original Medicare and Medicare Advantage is that while Original Medicare covers only hospital and medical costs, Medicare Advantage plans offered by private insurers include the same benefits as Original Medicare but may have different out-of-pocket costs, provider networks, and additional benefits.


  What are the costs associated with Medicare Advantage plans in Huntsville?

In Huntsville, several Medicare Advantage plans have $0 monthly premiums, with an average monthly premium of $15.54 and maximum out-of-pocket costs between $4,500 and $6,700, depending on the plan.


→  What is the role of licensed insurance agents in selecting a Medicare Advantage plan?

Licensed insurance agents can offer personalized advice and help calculate the expected total annual cost for Medicare Advantage plans, making it easier to find the most suitable option based on your individual circumstances.


 What is a Special Needs Plan (SNP)?

A Special Needs Plan (SNP) is designed to provide specialized benefits for individuals with qualifying conditions like chronic diseases or institutionalization. This tailored approach aims to address their specific needs effectively.

call today for help


 ZRN Health & Financial Services, LLC, a Texas limited liability company

Find & Compare Plans Online 



Speak with a licensed insurance agent

TTY 711

Mon-Fri : 8am-9pm EST

Russell Noga
( Medicare Expert )

Russell Noga is the CEO of ZRN Health & Financial Services, and head content editor of several Medicare insurance online publications. He has over 15 years of experience as a licensed Medicare insurance broker helping Medicare beneficiaries learn about Medicare, Medicare Advantage Plans, Medigap insurance, and Medicare Part D prescription drug plans.