
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in 32520, AL
With 56 Medicare Advantage options from 9 insurers, 32520, 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.
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).
Medicare Eligibility in 32520, AL
Approximately 107 residents (20.2% of the population) in 32520, 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 32520, AL is $92,277 (22.8% 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. 32520, 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 32520, AL
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 32520, 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 Name | Insurer | Star Rating | Premium | Type | |
|---|---|---|---|---|---|
| Devoted Dual Plus 042 Fl (HMO D-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Devoted Dual 043 Fl (HMO D-SNP) | Devoted Health | 5.0 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Aarp Medicare Advantage From Uhc Fl-0008 (HMO-POS) | Unitedhealthcare | 4.5 ★ | $0.00/mo | HMO-POS | Enroll |
| Humana Full Access Giveback H7617-111 (PPO) | Humana | 4.5 ★ | $0.00/mo | PPO | Enroll |
| Humana Usaa Honor Giveback (PPO) | Humana | 4.5 ★ | $0.00/mo | PPO | Enroll |
Lowest Monthly Premium
Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.
| Plan Name | Insurer | Monthly Premium | MOOP | Star Rating |
|---|---|---|---|---|
| Humana Full Access Giveback H5216-393 (PPO) | Humana | $0.00/mo | $6,750 | 3.5 ★ |
| Aarp Medicare Advantage From Uhc Fl-0008 (HMO-POS) | Unitedhealthcare | $0.00/mo | $3,900 | 4.5 ★ |
| Bluemedicare Value (PPO) | Florida Blue | $0.00/mo | $9,250 | 3.5 ★ |
| Aarp Medicare Advantage From Uhc Fl-0016 (PPO) | Unitedhealthcare | $0.00/mo | $6,700 | 4.0 ★ |
| Healthspring Preferred (HMO) | Healthspring | $0.00/mo | $4,750 | 3.5 ★ |
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 Name | Insurer | MOOP (In-Network) | Premium | Star Rating |
|---|---|---|---|---|
| Wellcare Dual Reserve (HMO D-SNP) | Wellcare | $3,000 | $0.00/mo | 4.0 ★ |
| Humana Gold Plus - Diabetes And Heart (HMO C-SNP) | Humana | $3,300 | $0.00/mo | 4.0 ★ |
| Humana Gold Plus Lung (HMO C-SNP) | Humana | $3,300 | $0.00/mo | 4.0 ★ |
| Humana Gold Plus Snp-De H1036-314 (HMO D-SNP) | Humana | $3,400 | $0.00/mo | 4.0 ★ |
| Humana Gold Plus Snp-De H1036-214 (HMO D-SNP) | Humana | $3,400 | $0.00/mo | 4.0 ★ |
Plan Type Mix in 32520, 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 Type | Count | Percentage | Description |
|---|---|---|---|
| PPO | 19 | 33.9% | No referrals; in and out-of-network |
| HMO D-SNP | 12 | 21.4% | Medicare Advantage plan |
| HMO | 7 | 12.5% | Requires referrals; in-network only |
| Regional PPO | 5 | 8.9% | Medicare Advantage plan |
| HMO-POS D-SNP | 3 | 5.4% | Medicare Advantage plan |
| PPO D-SNP | 3 | 5.4% | Medicare Advantage plan |
| HMO C-SNP | 2 | 3.6% | Medicare Advantage plan |
| HMO-POS | 1 | 1.8% | HMO with some out-of-network options |
| Regional PPO D-SNP | 1 | 1.8% | Medicare Advantage plan |
| HMO-POS I-SNP | 1 | 1.8% | Medicare Advantage plan |
| HMO I-SNP | 1 | 1.8% | Medicare Advantage plan |
| PPO I-SNP | 1 | 1.8% | Medicare Advantage plan |
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 32520, 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 32520, AL
9 insurance companies offer Medicare Advantage plans in 32520, 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.









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 32520, 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.
Top Part D Drug Plans in 32520, 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 32520, 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 Name | Insurer | Star Rating | Premium | Deductible | |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Bluemedicare Premier Rx (PDP) | Florida Blue | 3.5 ★ | $98.60/mo | $615 | Enroll |
| Bluemedicare Complete Rx (PDP) | Florida Blue | 3.5 ★ | $217.00/mo | $615 | Enroll |
| Silverscript Choice (PDP) | Aetna Medicare | 3.0 ★ | $98.30/mo | $615 | Enroll |
Lowest Monthly Premium
Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.
| Plan Name | Insurer | Monthly Premium | Drug Deductible | Star Rating |
|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Humana Value Rx Plan (PDP) | Humana | $25.90/mo | $601 | 3.0 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $92.70/mo | $615 | 3.0 ★ |
| Silverscript Choice (PDP) | Aetna Medicare | $98.30/mo | $615 | 3.0 ★ |
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 Name | Insurer | Drug Deductible | Monthly Premium | Star Rating |
|---|---|---|---|---|
| Humana Premier Rx Plan (PDP) | Humana | $0 | $115.90/mo | 3.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $119.10/mo | 2.0 ★ |
| Humana Value Rx Plan (PDP) | Humana | $601 | $25.90/mo | 3.0 ★ |
| Wellcare Value Script (PDP) | Wellcare | $615 | $0.00/mo | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $615 | $0.00/mo | 3.5 ★ |
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 32520, AL
5 insurance companies offer standalone Part D drug plans in 32520, AL. Below, we group plans by insurer.





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 32520, AL?
Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.
📋 Print our Medicare Enrollment Checklist — gather your info before you compare.
📅 Enrollment Dates & Deadlines · 🩺 Questions to Ask Your Doctor
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Pharmacy Access in 32520, AL
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 32520, AL.
Total Pharmacies
Chain Pharmacies
Independent Pharmacies
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| HOLIDAY CVS LLC | 1101 SCENIC HWY PENSACOLA, FL 325036618 850-043-0776 | 0.5 mi | Chain |
| THE DRUG SHOP, INC. | 2040 N 12TH AVE PENSACOLA, FL 325035303 850-043-0031 | 1.2 mi | Independent |
| PUBLIX SUPER MARKETS INC | 1100 E CERVANTES ST PENSACOLA, FL 325013332 850-043-5984 | 1.3 mi | Chain |
| WALGREEN CO | 870 E CERVANTES ST PENSACOLA, FL 325013212 850-043-5561 | 1.5 mi | Chain |
| EAST HILL PHARMACY INC | 2899 N 12TH AVE PENSACOLA, FL 325034001 850-043-7568 | 1.5 mi | Independent |
| SACRED HEART HEALTH SYSTEM INC | 213 E WRIGHT ST PENSACOLA, FL 325014917 850-047-9288 | 2.0 mi | Independent |
| ESCAMBIA COMMUNITY CLINICS, INC | 1400 N PALAFOX ST PENSACOLA, FL 325012643 850-043-2165 | 2.0 mi | Independent |
| OPTION CARE ENTERPRISES, INC. | 3439 N 12TH AVE STE A&B PENSACOLA, FL 325034068 888-868-3594 | 2.1 mi | Independent |
| ANDERSONS THRIF T DRUGS INC | 14 W JORDAN ST PENSACOLA, FL 325011736 850-043-2165 | 2.1 mi | Independent |
| QUALITY ALARM SYSTEMS, INC. | 3613 N PALAFOX ST PENSACOLA, FL 325055234 850-043-3473 | 2.2 mi | Independent |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in 32520, AL
Before choosing a plan, consider the healthcare infrastructure in 32520, 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.
Hospitals Nearby
Top-Rated Hospitals near 32520, AL
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 32520, AL — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Baptist Hospital | 4 ★ | 2.1 mi | 569 |
| Gulf Breeze Hospital | 4 ★ | 5.3 mi | 77 |
| Santa Rosa Medical Center | 4 ★ | 15.6 mi | 129 |
| Baldwin Health | 4 ★ | 29.8 mi | 112 |
| Hca Florida Twin Cities Hospital | 4 ★ | 42.2 mi | 65 |
| Sacred Heart Hospital | 3 ★ | 3.5 mi | 547 |
| Hca Florida West Hospital | 3 ★ | 6.0 mi | 515 |
| Hca Florida Fort Walton-Destin Hospital | 3 ★ | 32.9 mi | 331 |
| Thomas Hospital | 3 ★ | 42.3 mi | 162 |
| Jay Hospital | Not Rated | 35.8 mi | 25 |
View all 5 hospitals near 32520, AL to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 32520, AL.
Telehealth in 32520, 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 32520, AL. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.
Check Internet Providers at Your Address
Telehealth works best with reliable internet. Use this tool (provided free by ISP Reports) to see what's available at your address.
Opens ISP Reports in a new tab. This is not a paid relationship. Special thank you to ISP Reports for allowing free use of their address tool.
Internet Coverage in 32520, AL
Internet coverage data from ISP Reports. View full internet report for 32520, AL.
Medicare-Relevant Demographics in 32520, AL
Understanding 32520, 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.
Demographic data from U.S. Census Bureau American Community Survey (2023). View full 32520, AL demographics (BestNeighborhood.org).
Community Health in 32520, AL
CDC PLACES population-health estimates for 32520, 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.
Source: CDC PLACES (2025) — zip-level, population-weighted estimates.
Medicare Plans by Health Condition in 32520, 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 32520, AL
Medicare-enrolled doctors practicing in or near 32520, 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.
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 32520, AL →Local Medicare FAQ: 32520, AL
Common decision points based on 32520, AL's specific plan market and local healthcare landscape.
How does 32520, AL's Medicare Advantage market compare?
32520, 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 32520, 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 32520, 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 32520, AL?
50 plans (89% of available options) in 32520, 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 32520, 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 32520, 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 32520, 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
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.
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 32520, 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 32520, AL from ispreports.org
- BestNeighborhood.org: Community demographic profiles for 32520, AL from bestneighborhood.org
- CrimeGrade.org: Block-level safety analytics for 32520, 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