Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 32504, AL

With 56 Medicare Advantage options from 9 insurers, 32504, AL has plan availability roughly in line with the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 89% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. The 5 hospitals within 25.0 miles provide reasonable inpatient access for most plan networks. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →

Data freshness: CMS data as of February 2026 • ACS data as of 2023 • CDC PLACES data as of 2025 • Reviewed & approved on 2026-02-16 • Page last updated May 2026
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology

Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
56
Part D Plans
10
Top MA Star
5.0
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 32504, AL

Approximately 4,413 residents (19.1% of the population) in 32504, AL are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.

The median household income in 32504, AL is $85,831 (14.2% above the National Average), which may affect eligibility for Extra Help with Part D drug costs.

Part C: Medicare Advantage Plans

Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 32504, AL's 56 Medicare Advantage plans are a mix leaning toward PPO networks (29 PPO, 27 HMO). 50 plans offer $0 monthly premiums. The average local star rating is 3.9 out of 5, with the top plan earning 5.0 ★.

Top Medicare Advantage Plans in 32504, AL

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 32504, AL range from $0 to $54/month. Among rated plans, 32 plans rated 4+ stars, including 2 with perfect 5-star ratings.

Highest CMS Star Ratings

Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.

Plan NameInsurerStar RatingPremiumType
Devoted Dual Plus 042 Fl (HMO D-SNP)Devoted Health5.0 ★$0.00/moHMO D-SNPEnroll
Devoted Dual 043 Fl (HMO D-SNP)Devoted Health5.0 ★$0.00/moHMO D-SNPEnroll
Aarp Medicare Advantage From Uhc Fl-0008 (HMO-POS)Unitedhealthcare4.5 ★$0.00/moHMO-POSEnroll
Humana Full Access Giveback H7617-111 (PPO)Humana4.5 ★$0.00/moPPOEnroll
Humana Usaa Honor Giveback (PPO)Humana4.5 ★$0.00/moPPOEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Humana Full Access Giveback H5216-393 (PPO)Humana$0.00/mo$6,7503.5 ★
Aarp Medicare Advantage From Uhc Fl-0008 (HMO-POS)Unitedhealthcare$0.00/mo$3,9004.5 ★
Bluemedicare Value (PPO)Florida Blue$0.00/mo$9,2503.5 ★
Aarp Medicare Advantage From Uhc Fl-0016 (PPO)Unitedhealthcare$0.00/mo$6,7004.0 ★
Healthspring Preferred (HMO)Healthspring$0.00/mo$4,7503.5 ★

Lowest Maximum Out-of-Pocket (MOOP)

MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.

Plan NameInsurerMOOP (In-Network)PremiumStar Rating
Wellcare Dual Reserve (HMO D-SNP)Wellcare$3,000$0.00/mo4.0 ★
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)Humana$3,300$0.00/mo4.0 ★
Humana Gold Plus Lung (HMO C-SNP)Humana$3,300$0.00/mo4.0 ★
Humana Gold Plus Snp-De H1036-314 (HMO D-SNP)Humana$3,400$0.00/mo4.0 ★
Humana Gold Plus Snp-De H1036-214 (HMO D-SNP)Humana$3,400$0.00/mo4.0 ★

Plan Type Mix in 32504, AL

HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.

Plan TypeCountPercentageDescription
PPO1933.9%No referrals; in and out-of-network
HMO D-SNP1221.4%Medicare Advantage plan
HMO712.5%Requires referrals; in-network only
Regional PPO58.9%Medicare Advantage plan
HMO-POS D-SNP35.4%Medicare Advantage plan
PPO D-SNP35.4%Medicare Advantage plan
HMO C-SNP23.6%Medicare Advantage plan
PPO I-SNP11.8%Medicare Advantage plan
Regional PPO D-SNP11.8%Medicare Advantage plan
HMO-POS I-SNP11.8%Medicare Advantage plan
HMO I-SNP11.8%Medicare Advantage plan
HMO-POS11.8%HMO with some out-of-network options

Choosing the Right Medicare Advantage Plan

The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:

  • Provider network: Verify your doctors and hospitals near 32504, AL are in-network before enrolling
  • Total cost: A $0 premium may have higher copays—calculate your annual cost
  • Star Ratings: 4+ stars indicate above-average quality and member satisfaction

Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →

Medicare Advantage Insurers in 32504, AL

9 insurance companies offer Medicare Advantage plans in 32504, AL. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.

Devoted Health
Avg Star Rating
4.7 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Devoted Choice Ma Only 014 Fl (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Devoted Choice Giveback 013 Fl (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Devoted Choice 015 Fl (PPO)
$0.00/mo
$5,300
4.5 ★
PPO
Devoted Dual 043 Fl (HMO D-SNP)
$0.00/mo
$6,700
5.0 ★
HMO D-SNP
Devoted Dual Plus 042 Fl (HMO D-SNP)
$0.00/mo
$9,250
5.0 ★
HMO D-SNP
Aetna Medicare
Avg Star Rating
4.3 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Dual Select (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Full Dual Select (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Select (HMO)
$0.00/mo
$3,900
4.0 ★
HMO
Aetna Medicare Signature (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Signature Extra (PPO)
$0.00/mo
$5,900
4.5 ★
PPO
Aetna Medicare Eagle Giveback (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Signature (PPO)
$0.00/mo
$5,900
4.5 ★
PPO
Wellcare
Avg Star Rating
4.0 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Sunshine Health Dual Align (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Wellcare Dual Reserve (HMO D-SNP)
$0.00/mo
$3,000
4.0 ★
HMO D-SNP
Wellcare Dual Access Sync (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Florida Blue Hmo
Avg Star Rating
4.0 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Bluemedicare Classic (HMO)
$0.00/mo
$6,750
4.0 ★
HMO
Humana
Avg Star Rating
3.8 ★
19 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humana Dual Integrated (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus Lung (HMO C-SNP)
$0.00/mo
$3,300
4.0 ★
HMO C-SNP
Humana Gold Plus - Diabetes And Heart (HMO C-SNP)
$0.00/mo
$3,300
4.0 ★
HMO C-SNP
Humana Gold Plus Snp-De H1036-314 (HMO D-SNP)
$0.00/mo
$3,400
4.0 ★
HMO D-SNP
Humana Usaa Honor Giveback (HMO)
$0.00/mo
$6,700
4.0 ★
HMO
Humana Essentials Plus Giveback H1036-271 (HMO)
$0.00/mo
$6,750
4.0 ★
HMO
Humana Full Access Giveback H7617-111 (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Humana Gold Plus Snp-De H1036-214 (HMO D-SNP)
$0.00/mo
$3,400
4.0 ★
HMO D-SNP
Humana Value Choice H5216-070 (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,000
3.5 ★
PPO
Humanachoice Florida Snp-De H5216-394 (PPO D-SNP)
$0.00/mo
$4,900
3.5 ★
PPO D-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Humana Full Access Giveback H5216-393 (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Humana Total Complete H1036-143 (HMO)
$0.00/mo
$4,300
4.0 ★
HMO
Humanachoice R5826-074 (REGIONAL PPO)
$6.20/mo
$7,550
3.5 ★
Regional PPO
Humanachoice Florida H7284-009 (PPO)
$12.40/mo
$6,750
3.5 ★
PPO
Humanachoice R5826-018 (REGIONAL PPO)
$42.00/mo
$7,550
3.5 ★
Regional PPO
Humanachoice R5826-005 (REGIONAL PPO)
$54.40/mo
$6,700
3.5 ★
Regional PPO
Unitedhealthcare
Avg Star Rating
3.8 ★
11 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Dual Complete Fl-Y5 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Aarp Medicare Advantage From Uhc Fl-0008 (HMO-POS)
$0.00/mo
$3,900
4.5 ★
HMO-POS
Uhc Dual Complete Fl-D003 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Dual Complete Fl-Y4 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aarp Medicare Advantage From Uhc Fl-0016 (PPO)
$0.00/mo
$6,700
4.0 ★
PPO
Uhc Nursing Home Plan Ex-F001 (PPO I-SNP)
$0.00/mo
$9,250
4.0 ★
PPO I-SNP
Uhc Dual Complete Fl-D006 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Fl-D005 (REGIONAL PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
Regional PPO D-SNP
Aarp Medicare Advantage Patriot No Rx Fl-Ma01 (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Aarp Medicare Advantage From Uhc Fl-0031 (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Aarp Medicare Advantage Patriot No Rx Fl-Ma2 (PPO)
$0.00/mo
$8,900
4.0 ★
PPO
Healthspring
Avg Star Rating
3.5 ★
4 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthspring Totalcare Plus (HMO D-SNP)
$0.00/mo
$5,000
3.5 ★
HMO D-SNP
Healthspring Preferred (HMO)
$0.00/mo
$4,750
3.5 ★
HMO
Healthspring Totalcare (HMO D-SNP)
$0.00/mo
$5,950
3.5 ★
HMO D-SNP
Healthspring Courage (HMO)
$50.00/mo
$5,500
3.5 ★
HMO
Florida Blue
Avg Star Rating
3.5 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Bluemedicare Value (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Bluemedicare Patriot (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Bluemedicare Select (PPO)
$3.70/mo
$6,750
3.5 ★
PPO
Florida Complete Care
Avg Star Rating
2.5 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Florida Complete Care- In The Community (HMO-POS I-SNP)
$0.00/mo
$3,400
2.5 ★
HMO-POS I-SNP
Florida Complete Care-Duals Vip (HMO-POS D-SNP)
$0.00/mo
$3,400
2.5 ★
HMO-POS D-SNP
Florida Complete Care (HMO I-SNP)
$0.00/mo
$3,400
2.5 ★
HMO I-SNP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Part D: Prescription Drug Plans (PDP)

Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 10 standalone Part D plans in 32504, AL, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 1 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

Top Part D Drug Plans in 32504, AL

We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 32504, AL range from $0 to $217/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.

Highest CMS Star Ratings (Part D)

Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.

Plan NameInsurerStar RatingPremiumDeductible
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Bluemedicare Premier Rx (PDP)Florida Blue3.5 ★$98.60/mo$615Enroll
Bluemedicare Complete Rx (PDP)Florida Blue3.5 ★$217.00/mo$615Enroll
Silverscript Choice (PDP)Aetna Medicare3.0 ★$98.30/mo$615Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★
Humana Value Rx Plan (PDP)Humana$25.90/mo$6013.0 ★
Humana Basic Rx Plan (PDP)Humana$92.70/mo$6153.0 ★
Silverscript Choice (PDP)Aetna Medicare$98.30/mo$6153.0 ★

Lowest Annual Drug Deductible

The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.

Plan NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$115.90/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$119.10/mo2.0 ★
Humana Value Rx Plan (PDP)Humana$601$25.90/mo3.0 ★
Wellcare Value Script (PDP)Wellcare$615$0.00/mo3.5 ★
Wellcare Classic (PDP)Wellcare$615$0.00/mo3.5 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

Choosing the Right Part D Drug Plan

The right Part D plan depends on your specific medications. Key factors to evaluate:

  • Formulary: Verify your drugs are covered before enrolling
  • Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
  • Total annual cost: Premium + deductible + copays for your drugs

Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →

Part D Drug Plan Insurers in 32504, AL

5 insurance companies offer standalone Part D drug plans in 32504, AL. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
2 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Florida Blue
Avg Star Rating
3.5 ★
2 plans
From $98.60/mo
Plan
Premium
Deductible
Stars
Type
Bluemedicare Premier Rx (PDP)
$98.60/mo
$615
3.5 ★
PDP
Bluemedicare Complete Rx (PDP)
$217.00/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
3 plans
From $25.90/mo
Plan
Premium
Deductible
Stars
Type
Humana Value Rx Plan (PDP)
$25.90/mo
$601
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$92.70/mo
$615
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$115.90/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
1 plans
From $98.30/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$98.30/mo
$615
3.0 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
2 plans
From $98.70/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$98.70/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$119.10/mo
$130
2.0 ★
PDP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Ready to Enroll in 32504, AL?

Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.

Compare Plans at Medicare.gov Call 1-800-MEDICARE

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Pharmacy Access in 32504, AL

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 32504, AL.

Total Pharmacies

31
within 5.0 miles

Chain Pharmacies

15
CVS, Walgreens, etc.

Independent Pharmacies

16
locally owned
PharmacyAddress & PhoneDistanceType
WALGREEN CO6314 N 9TH AVE PENSACOLA, FL 325047320📞 850-047-25440.5 miChain
HOLIDAY CVS LLC6888 N 9TH AVE PENSACOLA, FL 325047348📞 850-047-07100.5 miChain
WAL-MART STORES EAST LP2650 CREIGHTON RD PENSACOLA, FL 325047382📞 850-047-22280.8 miChain
FIRST CITY HEALTH LLC6005 COLLEGE PARKWAY PENSACOLA, FL 32504📞 850-072-94031.6 miIndependent
SAMS EAST INC1250 AIRPORT BLVD PENSACOLA, FL 325048610📞 850-047-79741.6 miIndependent
SACRED HEART OUT PATIENT PHARMACY5149 N 9TH AVE PENSACOLA, FL 325048756📞 850-041-71371.7 miIndependent
AIDS HEALTHCARE FOUNDATION4300 BAYOU BLVD PENSACOLA, FL 325031949📞 850-047-09621.8 miIndependent
ANDERSONS THRIF-T DRUGS INC4350 BAYOU BLVD PENSACOLA, FL 325031948📞 850-048-43381.8 miIndependent
HOLIDAY CVS LLC4711 BAYOU BLVD PENSACOLA, FL 325032607📞 850-049-90771.8 miChain
PUBLIX SUPER MARKETS INC5055 N 9TH AVE PENSACOLA, FL 325048719📞 850-048-99781.9 miChain

Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.

Local Healthcare Access in 32504, AL

Before choosing a plan, consider the healthcare infrastructure in 32504, AL. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

5
within 25.0 miles

Top-Rated Hospitals near 32504, AL

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 32504, AL — click a hospital name to see its full profile and verify it's in your plan's network.

HospitalCMS RatingDistanceBeds
Baptist Hospital4 ★4.9 mi569
Gulf Breeze Hospital4 ★9.0 mi77
Santa Rosa Medical Center4 ★12.4 mi129
Baldwin Health4 ★30.1 mi112
Sacred Heart Hospital3 ★1.6 mi547
Hca Florida West Hospital3 ★2.7 mi515
Hca Florida Fort Walton-Destin Hospital3 ★33.1 mi331
North Okaloosa Medical Center3 ★41.3 mi110
Jay HospitalNot Rated32.0 mi25
Atmore Community HospitalNot Rated40.5 mi49

View all 5 hospitals near 32504, AL to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 32504, AL.

Questions to ask your doctor about Medicare coverage →

Telehealth in 32504, AL: Is Your Internet Ready?

Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 32504, AL. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 32504, AL

Fiber Available
74.0%
of households
Cable/DSL Available
93.7%
of households
Top Provider
C Spire
0.6% coverage
No Broadband
1.7%
of households

Internet coverage data from ISP Reports. View full internet report for 32504, AL.

Medicare-Relevant Demographics in 32504, AL

Understanding 32504, AL's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.

Total Population
23,121
Population 65+
4,413
19.1% of total
Median Age
41
3.4 years older than the national average
Median Income
$85,831
14.2% above the National Average
On Medicare
3,450
14.9% of residents
On Medicaid
2,729
11.8% of residents
Uninsured
2,444
10.6% of residents
Social Security Recipients
7,746
33.5% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 32504, AL demographics (BestNeighborhood.org).

Community Health in 32504, AL

CDC PLACES population-health estimates for 32504, AL. These indicators influence which Medicare plans tend to perform best here — plans that score well on condition-specific quality measures (diabetes A1c control, blood-pressure control, heart-attack readmission) are usually stronger matches in communities with elevated disease burden.

Diabetes
12.1%
of adults · US avg 12.1%
Heart Disease
7.4%
coronary heart disease · US avg 6.2%
High Blood Pressure
38.8%
of adults · US avg 34.1%

Source: CDC PLACES (2025) — zip-level, population-weighted estimates.

Medicare Plans by Health Condition in 32504, AL

Not every Medicare plan performs equally on every condition. These condition-specific pages rank the plans available in this zip by the CMS quality measures that matter most for each condition:

Top Medicare Doctors in 32504, AL

Medicare-enrolled doctors practicing in or near 32504, AL, ranked by specialty leadership and Medicare patient volume. The plan you pick is only as good as the doctors who accept it — verify your preferred doctors are in-network before enrolling.

See all Medicare doctors near 32504, AL →

Qualify for Both Medicare & Medicaid?

If you are dual-eligible for Medicare and Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) combines both into a single card — typically with $0 premiums, $0 copays, and extra benefits like dental, vision, transportation, and over-the-counter allowances.

View D-SNP Plans in 32504, AL →

Local Medicare FAQ: 32504, AL

Common decision points based on 32504, AL's specific plan market and local healthcare landscape.

How does 32504, AL's Medicare Advantage market compare?

32504, AL has 56 Medicare Advantage plans from 9 insurers. This is roughly in line with the national average of approximately 57 plans per area. The local mix includes 27 HMO and 29 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).

Should I choose an HMO or PPO Medicare Advantage plan in 32504, AL?

With 5 hospitals nearby, a PPO plan may offer valuable flexibility if your preferred providers aren't all in the same network. HMO plans (27 available) cost less but limit your choices. In 32504, AL, PPO plans are more common, giving you more flexibility options to compare. Always verify your doctors are in-network before enrolling in any plan.

What's the real cost of $0 premium plans in 32504, AL?

50 plans (89% of available options) in 32504, AL charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 32504, AL, maximum out-of-pocket limits range from $3,000 to an average of $6,731. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.

How does the 2026 $2,000 drug cap affect 32504, AL beneficiaries?

The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 10 standalone Part D plans in 32504, AL.

What this means locally:

  • Cost predictability — No matter which of the 10 Part D plans you choose, your drug costs are capped at $2,000/year
  • $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
  • Low-income options — 1 plans meet the regional benchmark for Extra Help/LIS eligibility

While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.

See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions

About the Data & Editorial Team

Wes Ward

Wes Ward

Founder & Data Lead

Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.

With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.

Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.

View full profile →LinkedIn

Transparency & Disclosures

InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.

Sources

  • CMS Medicare Plan Finder Data (Part C & D): Plan availability, premiums, deductibles, formularies, and Star Ratings from cms.gov
  • CMS Provider Data: Hospital and pharmacy facility data from data.cms.gov
  • CMS NPPES: Doctor identity, specialties, and addresses from npiregistry.cms.hhs.gov
  • CMS Medicare Provider Utilization & Payment Data: Doctor patient volumes and procedures from data.cms.gov
  • CMS Physician Compare: Doctor-hospital affiliations from data.cms.gov
  • CDC PLACES: Zip-level chronic-condition prevalence (Behavioral Risk Factor Surveillance System estimates) from cdc.gov/places
  • U.S. Census Bureau / American Community Survey: Demographics for 32504, AL from census.gov
  • FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
  • Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
  • ISP Reports: Internet provider coverage for 32504, AL from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 32504, AL from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 32504, AL from crimegrade.org

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates. Read our full methodology →Privacy policy

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