Viva Medicare
Avg Star Rating
4.5 ★
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in 35405, AL
With 68 Medicare Advantage options from 8 insurers, 35405, AL offers above-average plan selection, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 94% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 3 hospitals within 25.0 miles, verifying your preferred hospital is in-network is especially important here. 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.
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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
68
Part D Plans
12
Top MA Star
4.5
Top Drug Star
3.5
Medicare Eligibility in 35405, AL
Approximately 6,915 residents (14.4% of the population) in 35405, 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 35405, AL is $65,383 (13.0% below 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. 35405, AL's 68 Medicare Advantage plans are a mix leaning toward HMO networks (38 HMO, 30 PPO). 64 plans offer $0 monthly premiums. The average local star rating is 3.9 out of 5, with the top plan earning 4.5 ★.
Top Medicare Advantage Plans in 35405, AL
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 35405, AL range from $0 to $75/month. Among rated plans, 30 plans rated 4+ stars.
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 | |
|---|---|---|---|---|---|
| Healthspring Preferred (HMO) | Healthspring | 4.5 ★ | $0.00/mo | HMO | Enroll |
| Healthspring Totalcare Plus (HMO D-SNP) | Healthspring | 4.5 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Humana Value Plus H7617-089 (PPO) | Humana | 4.5 ★ | $0.00/mo | PPO | Enroll |
| Healthspring Totalcare (HMO D-SNP) | Healthspring | 4.5 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Viva Medicare Plus (HMO) | Viva Medicare | 4.5 ★ | $0.00/mo | HMO | 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 |
|---|---|---|---|---|
| Blue Advantage Complete (PPO) | Blue Cross And Blue Shield Of Alabama | $0.00/mo | $5,900 | 4.0 ★ |
| Humana Gold Plus H5619-089 (HMO) | Humana | $0.00/mo | $6,750 | 3.5 ★ |
| Healthspring Preferred (HMO) | Healthspring | $0.00/mo | $4,750 | 4.5 ★ |
| Aetna Medicare Dual Extra Care (HMO D-SNP) | Aetna Medicare | $0.00/mo | $9,250 | 3.5 ★ |
| Humanachoice Snp-De H5216-370 (PPO D-SNP) | Humana | $0.00/mo | $9,250 | 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 |
|---|---|---|---|---|
| Blue Advantage Premier (PPO) | Blue Cross And Blue Shield Of Alabama | $2,900 | $75.20/mo | 4.0 ★ |
| Humana Value Plus H5216-179 (PPO) | Humana | $3,000 | $0.00/mo | 3.5 ★ |
| Humana Value Plus H7617-089 (PPO) | Humana | $3,000 | $0.00/mo | 4.5 ★ |
| Humanachoice H5216-368 (PPO) | Humana | $3,000 | $0.00/mo | 3.5 ★ |
| Humanachoice H7617-090 (PPO) | Humana | $3,000 | $0.00/mo | 4.5 ★ |
Plan Type Mix in 35405, 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 | 27.9% | No referrals; in and out-of-network |
| HMO | 15 | 22.1% | Requires referrals; in-network only |
| HMO D-SNP | 12 | 17.6% | Medicare Advantage plan |
| HMO-POS | 5 | 7.4% | HMO with some out-of-network options |
| HMO-POS D-SNP | 4 | 5.9% | Medicare Advantage plan |
| PPO D-SNP | 4 | 5.9% | Medicare Advantage plan |
| PPO C-SNP | 3 | 4.4% | Medicare Advantage plan |
| Regional PPO | 2 | 2.9% | Medicare Advantage plan |
| PPO I-SNP | 2 | 2.9% | Medicare Advantage plan |
| HMO C-SNP | 1 | 1.5% | Medicare Advantage plan |
| HMO-POS C-SNP | 1 | 1.5% | 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 35405, 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 35405, AL
8 insurance companies offer Medicare Advantage plans in 35405, 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.
Healthspring
Avg Star Rating
4.3 ★
Plan
Premium
MOOP
Stars
Type
Blue Cross And Blue Shield Of Alabama
Avg Star Rating
4.0 ★
Aetna Medicare
Avg Star Rating
3.9 ★
Plan
Premium
MOOP
Stars
Type
Humana
Avg Star Rating
3.8 ★
Plan
Premium
MOOP
Stars
Type
Unitedhealthcare
Avg Star Rating
3.8 ★
Plan
Premium
MOOP
Stars
Type
Devoted Health
Avg Star Rating
3.5 ★
Plan
Premium
MOOP
Stars
Type
Simpra Advantage
Avg Star Rating
N/A
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 12 standalone Part D plans in 35405, AL, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 2 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 35405, 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 35405, AL range from $0 to $130/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 ★ | $3.60/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $3.70/mo | $615 | Enroll |
| Humana Basic Rx Plan (PDP) | Humana | 3.0 ★ | $0.00/mo | $615 | Enroll |
| Silverscript Choice (PDP) | Aetna Medicare | 3.0 ★ | $97.30/mo | $615 | Enroll |
| Humana Value Rx Plan (PDP) | Humana | 3.0 ★ | $37.70/mo | $601 | 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 |
|---|---|---|---|---|
| Humana Basic Rx Plan (PDP) | Humana | $0.00/mo | $615 | 3.0 ★ |
| Wellcare Value Script (PDP) | Wellcare | $3.60/mo | $615 | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $3.70/mo | $615 | 3.5 ★ |
| Humana Value Rx Plan (PDP) | Humana | $37.70/mo | $601 | 3.0 ★ |
| Aarp Medicare Rx Saver From Uhc (PDP) | Unitedhealthcare | $63.20/mo | $615 | 2.0 ★ |
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 | $108.60/mo | 3.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $119.30/mo | 2.0 ★ |
| Bluerx Enhanced Plus (PDP) | Bluerx (Pdp) | $150 | $129.50/mo | 2.5 ★ |
| Humana Value Rx Plan (PDP) | Humana | $601 | $37.70/mo | 3.0 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $615 | $0.00/mo | 3.0 ★ |
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 35405, AL
6 insurance companies offer standalone Part D drug plans in 35405, AL. Below, we group plans by insurer.
Wellcare
Avg Star Rating
3.5 ★
Humana
Avg Star Rating
3.0 ★
Aetna Medicare
Avg Star Rating
3.0 ★
Plan
Premium
Deductible
Stars
Type
Healthspring
Avg Star Rating
2.5 ★
Bluerx (Pdp)
Avg Star Rating
2.5 ★
Unitedhealthcare
Avg Star Rating
2.0 ★
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 35405, 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
Medicare.gov is the official U.S. government site for Medicare. Available 24/7.
Pharmacy Access in 35405, AL
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 35405, AL.
Total Pharmacies
28
within 5.0 miles
Chain Pharmacies
16
CVS, Walgreens, etc.
Independent Pharmacies
12
locally owned
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| WALGREEN CO | 617 BEAR CREEK RD TUSCALOOSA, AL 354056473 217-770-2386 | 1.0 mi | Chain |
| SAMS EAST INC | 1401 SKYLAND BLVD E TUSCALOOSA, AL 354054229 205-534-2016 | 1.4 mi | Independent |
| WAL-MART STORES EAST LP | 1501 SKYLAND BLVD E TUSCALOOSA, AL 354054231 205-534-4047 | 1.5 mi | Chain |
| WALGREEN CO | 4200 MCFARLAND BLVD E TUSCALOOSA, AL 354053853 205-575-1103 | 1.6 mi | Chain |
| PUBLIX ALABAMA LLC | 1101 SOUTHVIEW LN TUSCALOOSA, AL 354056389 205-524-7715 | 2.1 mi | Chain |
| OMS PHARMACY, INC. | 303 HARGROVE RD E TUSCALOOSA, AL 354015029 205-575-0627 | 3.0 mi | Independent |
| WALGREEN CO | 2306 MCFARLAND BLVD E TUSCALOOSA, AL 354045802 217-770-2386 | 3.0 mi | Chain |
| WAL-MART STORES EAST LP | 4201 HARGROVE RD E TUSCALOOSA, AL 354057702 205-563-6150 | 3.1 mi | Chain |
| BRUNO'S SUPERMARKETS, LLC. | 2001 MCFARLAND BLVD E TUSCALOOSA, AL 354055801 205-534-5855 | 3.2 mi | Independent |
| SOUTHERN FAMILY MARKETS LLC | 2001 MCFARLAND BLVD E TUSCALOOSA, AL 354045801 205-534-5855 | 3.3 mi | Independent |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in 35405, AL
Before choosing a plan, consider the healthcare infrastructure in 35405, 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
3
within 25.0 miles
Top-Rated Hospitals near 35405, AL
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 35405, AL — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Princeton Baptist Medical Center | 3 ★ | 46.2 mi | 505 |
| Medical West, An Affiliate Of Uab Health System | 2 ★ | 34.8 mi | 310 |
| Shelby Baptist Medical Center | 2 ★ | 41.7 mi | 252 |
| Fayette Medical Center | 2 ★ | 42.5 mi | 61 |
| Dch Regional Medical Center | 1 ★ | 4.0 mi | 787 |
| Mary S Harper Geriatric Psychiatry Center | Not Rated | 4.3 mi | 96 |
| Bryce Hospital | Not Rated | 4.4 mi | 268 |
| Bibb Medical Center | Not Rated | 25.8 mi | 35 |
| Hale County Hospital | Not Rated | 31.3 mi | 39 |
| Whitfield Regional Hospital | Not Rated | 46.9 mi | 99 |
View all 3 hospitals near 35405, AL to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 35405, AL.
Telehealth in 35405, 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 35405, 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 35405, AL
Fiber Available
65.8%
of households
Cable/DSL Available
91.2%
of households
Top Provider
C Spire
23.9% coverage
No Broadband
1.7%
of households
Internet coverage data from ISP Reports. View full internet report for 35405, AL.
Medicare-Relevant Demographics in 35405, AL
Understanding 35405, 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
48,145
Population 65+
6,915
14.4% of total
Median Age
37
1.0 years younger than the national average
Median Income
$65,383
13.0% below the National Average
On Medicare
5,799
12.0% of residents
On Medicaid
7,332
15.2% of residents
Uninsured
3,419
7.1% of residents
Social Security Recipients
12,808
26.6% of population
Demographic data from U.S. Census Bureau American Community Survey (2023). View full 35405, AL demographics (BestNeighborhood.org).
Community Health in 35405, AL
CDC PLACES population-health estimates for 35405, 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
12.9%
of adults · US avg 12.1%
Heart Disease
5.6%
coronary heart disease · US avg 6.2%
High Blood Pressure
41.4%
of adults · US avg 34.1%
Source: CDC PLACES (2025) — zip-level, population-weighted estimates.
Medicare Plans by Health Condition in 35405, 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 35405, AL
Medicare-enrolled doctors practicing in or near 35405, 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 35405, AL →Local Medicare FAQ: 35405, AL
Common decision points based on 35405, AL's specific plan market and local healthcare landscape.
How does 35405, AL's Medicare Advantage market compare?
35405, AL has 68 Medicare Advantage plans from 8 insurers. This is above the national average of approximately 57 plans, suggesting healthy competition among insurers in this area. The local mix includes 38 HMO and 30 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 35405, AL?
With 3 hospitals nearby, a PPO plan may offer valuable flexibility if your preferred providers aren't all in the same network. HMO plans (38 available) cost less but limit your choices. In 35405, AL, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.
What's the real cost of $0 premium plans in 35405, AL?
64 plans (94% of available options) in 35405, 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 35405, AL, maximum out-of-pocket limits range from $2,900 to an average of $6,690. 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 35405, 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 12 standalone Part D plans in 35405, AL.
What this means locally:
- Cost predictability — No matter which of the 12 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 — 2 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 35405, 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 35405, AL from ispreports.org
- BestNeighborhood.org: Community demographic profiles for 35405, AL from bestneighborhood.org
- CrimeGrade.org: Block-level safety analytics for 35405, 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