Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 38571, AL

With 62 Medicare Advantage options from 10 insurers, 38571, 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 94% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 2 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.

📊 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
62
Part D Plans
12
Top MA Star
4.5
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 38571, AL

Approximately 3,932 residents (28.6% of the population) in 38571, 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 38571, AL is $57,707 (23.2% 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. 38571, AL's 62 Medicare Advantage plans are a mix leaning toward HMO networks (38 HMO, 24 PPO). 58 plans offer $0 monthly premiums. The average local star rating is 3.7 out of 5, with the top plan earning 4.5 ★.

Top Medicare Advantage Plans in 38571, AL

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 38571, AL range from $0 to $90/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 NameInsurerStar RatingPremiumType
Uhc Medicare Advantage Tc-0001 (PPO)Unitedhealthcare4.5 ★$0.00/moPPOEnroll
Healthspring Preferred (HMO)Healthspring4.5 ★$0.00/moHMOEnroll
Aetna Medicare Signature (PPO)Aetna Medicare4.5 ★$0.00/moPPOEnroll
Humana Value Plus H7617-088 (PPO)Humana4.5 ★$0.00/moPPOEnroll
Aetna Medicare Enhanced (PPO)Aetna Medicare4.5 ★$0.00/moPPOEnroll

Lowest Monthly Premium

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

Plan NameInsurerMonthly PremiumMOOPStar Rating
Blueadvantage Sapphire (PPO)Bluecross Blueshield Of Tennessee$0.00/mo$4,2004.0 ★
Aarp Medicare Advantage From Uhc Tc-0002 (HMO-POS)Unitedhealthcare$0.00/mo$4,2004.0 ★
Humana Gold Plus H4461-035 (HMO)Humana$0.00/mo$3,6004.0 ★
Uhc Complete Care Tc-0005 (HMO-POS C-SNP)Unitedhealthcare$0.00/mo$4,9004.0 ★
Uhc Dual Complete Tn-S001 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2503.5 ★

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
Humana Gold Plus H4461-040 (HMO)Humana$1,900$0.80/mo4.0 ★
Blueadvantage Diamond (PPO)Bluecross Blueshield Of Tennessee$2,975$44.20/mo4.0 ★
Humana Gold Plus H4461-041 (HMO)Humana$3,200$0.00/mo4.0 ★
Blueadvantage Freedom (PPO)Bluecross Blueshield Of Tennessee$3,200$0.00/mo4.0 ★
Humana Usaa Honor Giveback (PPO)Humana$3,400$0.00/mo3.5 ★

Plan Type Mix in 38571, 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
PPO1625.8%No referrals; in and out-of-network
HMO-POS1321.0%HMO with some out-of-network options
HMO D-SNP914.5%Medicare Advantage plan
HMO914.5%Requires referrals; in-network only
PPO C-SNP46.5%Medicare Advantage plan
HMO-POS D-SNP46.5%Medicare Advantage plan
HMO-POS C-SNP23.2%Medicare Advantage plan
PPO I-SNP23.2%Medicare Advantage plan
Regional PPO23.2%Medicare Advantage plan
HMO I-SNP11.6%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 38571, 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 38571, AL

10 insurance companies offer Medicare Advantage plans in 38571, 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.

American Health Advantage Of Tennessee
Avg Star Rating
4.5 ★
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
American Health Advantage Of Tennessee (HMO I-SNP)
$0.00/mo
$9,250
4.5 ★
HMO I-SNP
Aetna Medicare
Avg Star Rating
4.4 ★
4 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Value Plus (HMO)
$0.00/mo
$6,750
4.0 ★
HMO
Aetna Medicare Enhanced (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Aetna Medicare Eagle Giveback (PPO)
$0.00/mo
$8,200
4.5 ★
PPO
Aetna Medicare Signature (PPO)
$0.00/mo
$6,750
4.5 ★
PPO
Healthspring
Avg Star Rating
4.2 ★
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthspring Preferred (HMO)
$0.00/mo
$4,900
4.5 ★
HMO
Healthspring Premier (HMO-POS)
$0.00/mo
$6,150
4.5 ★
HMO-POS
Healthspring Totalcare Plus (HMO D-SNP)
$0.00/mo
$9,250
4.5 ★
HMO D-SNP
Healthspring Courage (HMO)
$0.00/mo
$3,900
4.5 ★
HMO
Healthspring True Choice (PPO)
$0.00/mo
$7,500
3.0 ★
PPO
Bluecross Blueshield Of Tennessee
Avg Star Rating
4.0 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Blueadvantage Ruby (PPO)
$0.00/mo
$3,850
4.0 ★
PPO
Blueadvantage Sapphire (PPO)
$0.00/mo
$4,200
4.0 ★
PPO
Blueadvantage Freedom (PPO)
$0.00/mo
$3,200
4.0 ★
PPO
Blueadvantage Extra (PPO)
$0.00/mo
$5,100
4.0 ★
PPO
Blueadvantage Total Heart And Diabetes (PPO C-SNP)
$0.00/mo
$6,700
4.0 ★
PPO C-SNP
Blueadvantage Total Heart And Diabetes Plus (PPO C-SNP)
$0.00/mo
$6,700
4.0 ★
PPO C-SNP
Blueadvantage Diamond (PPO)
$44.20/mo
$2,975
4.0 ★
PPO
Unitedhealthcare
Avg Star Rating
3.9 ★
10 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aarp Medicare Advantage Giveback From Uhc Tc-4 (HMO-POS)
$0.00/mo
$6,700
4.0 ★
HMO-POS
Uhc Complete Care Tc-0005 (HMO-POS C-SNP)
$0.00/mo
$4,900
4.0 ★
HMO-POS C-SNP
Uhc Complete Care Support Tc-6 (HMO-POS C-SNP)
$0.00/mo
$4,900
4.0 ★
HMO-POS C-SNP
Aarp Medicare Advantage From Uhc Tc-0002 (HMO-POS)
$0.00/mo
$4,200
4.0 ★
HMO-POS
Uhc Dual Complete Tn-S001 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Tn-Y001 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Tn-Y2 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Aarp Medicare Advantage From Uhc Tc-0003 (HMO-POS)
$0.00/mo
$3,500
4.0 ★
HMO-POS
Uhc Medicare Advantage Tc-0001 (PPO)
$0.00/mo
$6,700
4.5 ★
PPO
Aarp Medicare Advantage Patriot No Rx Tc-Ma01 (HMO-POS)
$0.00/mo
$3,900
4.0 ★
HMO-POS
Humana
Avg Star Rating
3.8 ★
14 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$3,400
3.5 ★
PPO
Humana Value Plus H5216-180 (PPO)
$0.00/mo
$4,900
3.5 ★
PPO
Humanachoice H5216-097 (PPO)
$0.00/mo
$8,850
3.5 ★
PPO
Humana Gold Plus H4461-041 (HMO)
$0.00/mo
$3,200
4.0 ★
HMO
Humana Gold Plus Snp-De H4461-038 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus H4461-035 (HMO)
$0.00/mo
$3,600
4.0 ★
HMO
Humana Gold Plus Snp-De H4461-022 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Usaa Honor Giveback (HMO)
$0.00/mo
$3,750
4.0 ★
HMO
Humana Together In Health (PPO I-SNP)
$0.00/mo
$9,250
3.5 ★
PPO I-SNP
Humanachoice R0110-018 (REGIONAL PPO)
$0.00/mo
$6,500
3.5 ★
Regional PPO
Humanachoice R0110-017 (REGIONAL PPO)
$0.00/mo
$4,650
3.5 ★
Regional PPO
Humana Value Plus H7617-088 (PPO)
$0.00/mo
$4,900
4.5 ★
PPO
Humana Gold Plus H4461-040 (HMO)
$0.80/mo
$1,900
4.0 ★
HMO
Humana Together In Health Select (PPO I-SNP)
$90.20/mo
$4,900
3.5 ★
PPO I-SNP
Bluecare Plus Tennessee
Avg Star Rating
3.5 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Bluecare Plus Select (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Bluecare Plus Choice (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Bluecare Plus (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Devoted Health
Avg Star Rating
3.2 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Devoted C-Snp Choice Premium 017 Tn (PPO C-SNP)
$0.00/mo
$4,600
3.0 ★
PPO C-SNP
Devoted Choice Giveback 002 Tn (PPO)
$0.00/mo
$8,300
3.0 ★
PPO
Devoted C-Snp Choice Plus 020 Tn (PPO C-SNP)
$0.00/mo
$9,250
3.0 ★
PPO C-SNP
Devoted Giveback 002 Tn (HMO)
$0.00/mo
$6,700
3.5 ★
HMO
Devoted Core 001 Tn (HMO)
$0.00/mo
$4,300
3.5 ★
HMO
Devoted Choice 007 Tn (PPO)
$0.00/mo
$5,500
3.0 ★
PPO
Wellcare
Avg Star Rating
3.0 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Assist (HMO-POS)
$0.00/mo
$4,800
3.0 ★
HMO-POS
Wellcare Giveback (HMO-POS)
$0.00/mo
$6,700
3.0 ★
HMO-POS
Wellcare Patriot Giveback (HMO-POS)
$0.00/mo
$4,800
3.0 ★
HMO-POS
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Assist (HMO-POS)
$0.00/mo
$4,800
3.0 ★
HMO-POS
Wellcare Simple (HMO-POS)
$0.00/mo
$4,800
3.0 ★
HMO-POS
Wellpoint
Avg Star Rating
3.0 ★
6 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellpoint Full Dual Advantage Support (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Wellpoint Full Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Wellpoint Extra Help (HMO-POS)
$0.00/mo
$9,000
3.0 ★
HMO-POS
Wellpoint Medicare Advantage 2 (HMO-POS)
$0.00/mo
$6,460
3.0 ★
HMO-POS
Wellpoint Full Dual Advantage 2 (HMO D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO D-SNP
Wellpoint Medicare Advantage (HMO-POS)
$19.00/mo
$6,750
3.0 ★
HMO-POS

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 38571, 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 38571, 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 38571, 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 NameInsurerStar RatingPremiumDeductible
Wellcare Value Script (PDP)Wellcare3.5 ★$3.60/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$3.70/mo$615Enroll
Humana Basic Rx Plan (PDP)Humana3.0 ★$0.00/mo$615Enroll
Silverscript Choice (PDP)Aetna Medicare3.0 ★$97.30/mo$615Enroll
Humana Value Rx Plan (PDP)Humana3.0 ★$37.70/mo$601Enroll

Lowest Monthly Premium

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

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Humana Basic Rx Plan (PDP)Humana$0.00/mo$6153.0 ★
Wellcare Value Script (PDP)Wellcare$3.60/mo$6153.5 ★
Wellcare Classic (PDP)Wellcare$3.70/mo$6153.5 ★
Humana Value Rx Plan (PDP)Humana$37.70/mo$6013.0 ★
Aarp Medicare Rx Saver From Uhc (PDP)Unitedhealthcare$63.20/mo$6152.0 ★

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$108.60/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$119.30/mo2.0 ★
Bluerx Enhanced Plus (PDP)Bluerx (Pdp)$150$129.50/mo2.5 ★
Humana Value Rx Plan (PDP)Humana$601$37.70/mo3.0 ★
Humana Basic Rx Plan (PDP)Humana$615$0.00/mo3.0 ★
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 38571, AL

6 insurance companies offer standalone Part D drug plans in 38571, AL. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
2 plans
From $3.60/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Value Script (PDP)
$3.60/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$3.70/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
3 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$37.70/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$108.60/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
1 plans
From $97.30/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$97.30/mo
$615
3.0 ★
PDP
Bluerx (Pdp)
Avg Star Rating
2.5 ★
2 plans
From $76.20/mo
Plan
Premium
Deductible
Stars
Type
Bluerx Essential (PDP)
$76.20/mo
$615
2.5 ★
PDP
Bluerx Enhanced Plus (PDP)
$129.50/mo
$150
2.5 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
2 plans
From $77.50/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Extra Rx (PDP)
$77.50/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$87.20/mo
$615
2.5 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
2 plans
From $63.20/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$63.20/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$119.30/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 38571, 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

📋 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 38571, AL

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 38571, AL.

Total Pharmacies

3
within 5.0 miles

Chain Pharmacies

3
CVS, Walgreens, etc.

Independent Pharmacies

0
locally owned
PharmacyAddress & PhoneDistanceType
WAL-MART STORES EAST LP2542 N MAIN ST CROSSVILLE, TN 385558756📞 931-148-51093.4 miChain
WALGREEN CO1106 N MAIN ST CROSSVILLE, TN 385554059📞 931-148-43884.8 miChain
WALGREEN CO82 ELMORE RD CROSSVILLE, TN 385556071📞 931-145-50234.8 miChain
KROGER LIMITED PARTNERSHIP I265 HIGHLAND SQ CROSSVILLE, TN 385555105📞 931-145-76475.0 miChain
K VA T FOOD STORES INC1180 WEST AVE CROSSVILLE, TN 385554148📞 931-170-36205.1 miIndependent
MED-SCRIPTS LLC23 WOODMERE MALL CROSSVILLE, TN 385554231📞 931-145-81655.2 miIndependent
TENNESSEE CVS PHARMACY LLC1026 WEST AVE CROSSVILLE, TN 385554182📞 615-570-83235.3 miChain
K VA T FOOD STORES INC141 TOWN CENTRE DR CROSSVILLE, TN 385717997📞 931-148-13685.7 miIndependent
MITCHELL DRUG COMPANY INC97 N MAIN ST CROSSVILLE, TN 385554500📞 931-148-51175.8 miIndependent
JOHN SMITH PROFESSIONAL PHARMACY, INC.100 LANTANA RD CROSSVILLE, TN 385551903📞 931-148-14346.1 miIndependent

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

Local Healthcare Access in 38571, AL

Before choosing a plan, consider the healthcare infrastructure in 38571, 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

2
within 25.0 miles

Top-Rated Hospitals near 38571, AL

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 38571, AL — click a hospital name to see its full profile and verify it's in your plan's network.

HospitalCMS RatingDistanceBeds
Cumberland Medical Center4 ★6.2 mi189
Roane Medical Center4 ★29.3 mi105
Rhea Medical Center3 ★34.9 mi25
Methodist Medical Center Of Oak Ridge3 ★43.6 mi301
Cookeville Regional Medical Center2 ★27.4 mi269
Livingston Regional Hospital2 ★28.7 mi110
Sweetwater Hospital Association2 ★44.2 mi59
Saint Thomas Highlands HospitalNot Rated24.5 mi60
Erlanger Bledsoe HospitalNot Rated29.4 mi31
Dekalb Community HospitalNot Rated43.9 mi71

View all 2 hospitals near 38571, AL to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 38571, AL.

Questions to ask your doctor about Medicare coverage →

Telehealth in 38571, 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 38571, AL. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 38571, AL

Fiber Available
97.6%
of households
Cable/DSL Available
99.6%
of households
Top Provider
Twin Lakes
0.2% coverage
No Broadband
2.9%
of households

Internet coverage data from ISP Reports. View full internet report for 38571, AL.

Medicare-Relevant Demographics in 38571, AL

Understanding 38571, 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
13,768
Population 65+
3,932
28.6% of total
Median Age
50
12.1 years older than the national average
Median Income
$57,707
23.2% below the National Average
On Medicare
3,457
25.1% of residents
On Medicaid
2,873
20.9% of residents
Uninsured
1,268
9.2% of residents
Social Security Recipients
6,527
47.4% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 38571, AL demographics (BestNeighborhood.org).

Community Health in 38571, AL

CDC PLACES population-health estimates for 38571, 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
17.4%
of adults · US avg 12.1%
Heart Disease
10.9%
coronary heart disease · US avg 6.2%
High Blood Pressure
48.9%
of adults · US avg 34.1%

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

Medicare Plans by Health Condition in 38571, 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 38571, AL

Medicare-enrolled doctors practicing in or near 38571, 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 38571, 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 38571, AL →

Local Medicare FAQ: 38571, AL

Common decision points based on 38571, AL's specific plan market and local healthcare landscape.

How does 38571, AL's Medicare Advantage market compare?

38571, AL has 62 Medicare Advantage plans from 10 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 24 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 38571, AL?

With limited hospital access nearby, a PPO plan (24 available) could be worth the extra cost for out-of-network coverage, especially if you need to travel for specialized care. In 38571, 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 38571, AL?

58 plans (94% of available options) in 38571, 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 38571, AL, maximum out-of-pocket limits range from $1,900 to an average of $6,363. 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 38571, 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 38571, 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

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 38571, 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 38571, AL from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 38571, AL from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 38571, 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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