Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 39108, AL

With 135 Medicare Advantage options from 10 insurers, 39108, AL has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 99% 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
135
Part D Plans
20
Top MA Star
4.5
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 39108, AL

Approximately 360 residents (18.0% of the population) in 39108, 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 39108, AL is $53,219 (29.2% 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. 39108, AL's 135 Medicare Advantage plans are a mix leaning toward PPO networks (83 PPO, 51 HMO). 133 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 39108, AL

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 39108, AL range from $0 to $80/month. Among rated plans, 49 plans rated 4+ stars, including 5 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
Uhc Dual Complete Ga-S1 (PPO D-SNP)Unitedhealthcare4.5 ★$0.00/moPPO D-SNPEnroll
Humanachoice Giveback H7617-094 (PPO)Humana4.5 ★$0.00/moPPOEnroll
Uhc Dual Complete Ga-V1 (PPO D-SNP)Unitedhealthcare4.5 ★$0.00/moPPO D-SNPEnroll
Uhc Dual Complete Ga-S2 (PPO D-SNP)Unitedhealthcare4.5 ★$0.00/moPPO D-SNPEnroll
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 Gold Plus H4141-017 (HMO)Humana$0.00/mo$5,5004.0 ★
Humana Usaa Honor Giveback (PPO)Humana$0.00/mo$9,2503.5 ★
Uhc Dual Complete Ga-D2 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2503.5 ★
Uhc Dual Complete Ga-S3 (HMO-POS D-SNP)Unitedhealthcare$0.00/mo$9,2503.5 ★
Aetna Medicare Dual Extra Care (HMO D-SNP)Aetna Medicare$0.00/mo$9,2504.0 ★

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 Full Access R0110-003 (REGIONAL PPO)Humana$3,300$80.30/mo3.5 ★
Wellcare Patriot Simple (HMO-POS)Wellcare$3,400$0.00/mo3.5 ★
Healthy Mississippi Premier Advantage (HMO-POS)Healthy Mississippi, Inc.$3,850$0.00/moN/A
Humanachoice H5216-300 (PPO)Humana$4,201$0.00/mo3.5 ★
Humanachoice H7617-085 (PPO)Humana$4,201$0.00/mo4.5 ★

Plan Type Mix in 39108, 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
PPO4936.3%No referrals; in and out-of-network
PPO D-SNP2014.8%Medicare Advantage plan
HMO-POS1511.1%HMO with some out-of-network options
HMO D-SNP1410.4%Medicare Advantage plan
HMO-POS D-SNP118.1%Medicare Advantage plan
PPO C-SNP64.4%Medicare Advantage plan
HMO64.4%Requires referrals; in-network only
Regional PPO53.7%Medicare Advantage plan
HMO I-SNP21.5%Medicare Advantage plan
HMO-POS C-SNP21.5%Medicare Advantage plan
PPO I-SNP21.5%Medicare Advantage plan
PFFS10.7%Private Fee-for-Service
Regional PPO C-SNP10.7%Medicare Advantage plan
HMO C-SNP10.7%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 39108, 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 39108, AL

10 insurance companies offer Medicare Advantage plans in 39108, 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.

Georgia Health Advantage
Avg Star Rating
4.5 ★
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Georgia Health Advantage (HMO I-SNP)
$0.00/mo
$9,250
4.5 ★
HMO I-SNP
Georgia Health Advantage Choice (HMO I-SNP)
$0.00/mo
$9,250
4.5 ★
HMO I-SNP
Aetna Medicare
Avg Star Rating
4.0 ★
21 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Signature Care (HMO)
$0.00/mo
$9,250
4.0 ★
HMO
Aetna Medicare Dual Care (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Dual Extra Care (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Enhanced (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Aetna Medicare Eagle Plus (PPO)
$0.00/mo
$8,900
3.5 ★
PPO
Aetna Medicare Elite (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Aetna Medicare Full Dual Care (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Aetna Medicare Dual Extra Care (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aetna Medicare Dual Care (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aetna Medicare Eagle Plus (PPO)
$0.00/mo
$8,900
4.0 ★
PPO
Aetna Medicare Dual Extra (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aetna Medicare Value Care (PPO)
$0.00/mo
$9,250
4.0 ★
PPO
Aetna Medicare Signature Plus (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Aetna Medicare Eagle Plus (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Aetna Medicare Dual Extra Care (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Aetna Medicare Dual Care (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Aetna Medicare Value Plus (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Aetna Medicare Signature Care (PPO)
$0.00/mo
$9,250
4.0 ★
PPO
Aetna Medicare Value Plus (PPO)
$0.00/mo
$9,250
4.0 ★
PPO
Aetna Medicare Signature (HMO)
$0.00/mo
$9,250
3.5 ★
HMO
Aetna Medicare Full Dual Care (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Unitedhealthcare
Avg Star Rating
3.9 ★
24 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Uhc Complete Care Support Ga-9 (PPO C-SNP)
$0.00/mo
$7,900
4.0 ★
PPO C-SNP
Uhc Dual Complete Ms-S3 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Dual Complete Ga-S2 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Uhc Dual Complete Ga-S1 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Uhc Dual Complete Ga-V1 (PPO D-SNP)
$0.00/mo
$7,900
4.5 ★
PPO D-SNP
Uhc Dual Complete Ga-D2 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Ga-S3 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Aarp Medicare Advantage From Uhc Ga-5 (HMO-POS)
$0.00/mo
$6,700
3.5 ★
HMO-POS
Uhc Complete Care Ms-6 (HMO-POS C-SNP)
$0.00/mo
$5,900
4.0 ★
HMO-POS C-SNP
Aarp Medicare Advantage From Uhc Ms-0001 (HMO-POS)
$0.00/mo
$5,900
4.0 ★
HMO-POS
Uhc Dual Complete Ms-S002 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Ms-V001 (HMO-POS D-SNP)
$0.00/mo
$5,900
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Ms-S4 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Uhc Complete Care Ga-3 (PPO C-SNP)
$0.00/mo
$9,250
4.0 ★
PPO C-SNP
Aarp Medicare Advantage Patriot No Rx Ga-Ma01 (PPO)
$0.00/mo
$6,700
4.0 ★
PPO
Uhc Medicare Advantage Ga-2 (PPO)
$0.00/mo
$9,250
4.0 ★
PPO
Uhc Dual Complete Ms-S001 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Aarp Medicare Advantage Patriot No Rx Ms-Ma01 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Uhc Nursing Home Plan Ga-F001 (PPO I-SNP)
$0.00/mo
$9,250
4.0 ★
PPO I-SNP
Aarp Medicare Advantage From Uhc Ms-0002 (PPO)
$0.00/mo
$5,900
3.5 ★
PPO
Uhc Medicare Advantage Patriot No Rx Gs-Ma01 (REGIONAL PPO)
$0.00/mo
$9,250
4.0 ★
Regional PPO
Uhc Complete Care Support Gs-1a (REGIONAL PPO C-SNP)
$0.00/mo
$9,250
4.0 ★
Regional PPO C-SNP
Aarp Medicare Advantage Giveback From Uhc Ms-4 (PPO)
$0.00/mo
$8,900
3.5 ★
PPO
Aarp Medicare Advantage From Uhc Ms-0003 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Humana
Avg Star Rating
3.8 ★
47 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humanachoice H5216-203 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$4,700
3.5 ★
PPO
Humana Value Plus H5216-160 (PPO)
$0.00/mo
$8,600
3.5 ★
PPO
Humanachoice H5216-157 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice Giveback H5216-154 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5216-136 (PPO)
$0.00/mo
$6,500
3.5 ★
PPO
Humana Gold Plus Snp-De H4141-025 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus Snp-De H4141-024 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Dual Select H5216-206 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Gold Plus H4141-023 (HMO)
$0.00/mo
$6,750
4.0 ★
HMO
Humana Gold Plus Giveback H4141-022 (HMO)
$0.00/mo
$9,250
4.0 ★
HMO
Humana Gold Plus H4141-017 (HMO)
$0.00/mo
$5,500
4.0 ★
HMO
Humana Gold Plus Snp-De H4141-003 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus H1036-151 (HMO)
$0.00/mo
$4,900
4.0 ★
HMO
Humana Gold Plus Snp-De H1036-222 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus Snp-De H1036-328 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Dual Select H1036-329 (HMO D-SNP)
$0.00/mo
$9,250
4.0 ★
HMO D-SNP
Humana Gold Plus Chronic Kidney Disease (HMO C-SNP)
$0.00/mo
$9,250
4.0 ★
HMO C-SNP
Humanachoice Snp-De H5216-205 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Value Plus H7617-087 (PPO)
$0.00/mo
$8,600
4.5 ★
PPO
Humanachoice H7617-092 (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Humanachoice H7617-093 (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Humanachoice Giveback H7617-094 (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Humanachoice H7617-085 (PPO)
$0.00/mo
$4,201
4.5 ★
PPO
Humanachoice Snp-De H7617-084 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Humana Dual Select H7617-083 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Humana Gold Choice H8145-069 (PFFS)
$0.00/mo
$6,700
3.5 ★
PFFS
Humanachoice Snp-De H7617-082 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Humanachoice - Diabetes And Heart (PPO C-SNP)
$0.00/mo
$6,700
3.5 ★
PPO C-SNP
Humanachoice H5216-466 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5216-421 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$4,700
4.5 ★
PPO
Humanachoice Giveback H5216-345 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice R0110-001 (REGIONAL PPO)
$0.00/mo
$7,350
3.5 ★
Regional PPO
Humanachoice R0110-019 (REGIONAL PPO)
$0.00/mo
$7,550
3.5 ★
Regional PPO
Humana Full Access R0110-020 (REGIONAL PPO)
$0.00/mo
$9,250
3.5 ★
Regional PPO
Humanachoice H5216-300 (PPO)
$0.00/mo
$4,201
3.5 ★
PPO
Humana Dual Select H5216-298 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice Snp-De H5216-292 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice H5216-280 (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Humanachoice - Diabetes And Heart (PPO C-SNP)
$0.00/mo
$9,250
3.5 ★
PPO C-SNP
Humana Together In Health (PPO I-SNP)
$0.00/mo
$9,250
3.5 ★
PPO I-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Humanachoice Snp-De H5216-367 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Full Access R0110-003 (REGIONAL PPO)
$80.30/mo
$3,300
3.5 ★
Regional PPO
Anthem Blue Cross And Blue Shield
Avg Star Rating
3.6 ★
8 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Anthem Veteran (HMO-POS)
$0.00/mo
$9,250
3.5 ★
HMO-POS
Anthem Medicare Advantage (HMO-POS)
$0.00/mo
$9,250
3.5 ★
HMO-POS
Anthem Medicare Advantage 2 (PPO)
$0.00/mo
$9,250
4.0 ★
PPO
Anthem Veteran (PPO)
$0.00/mo
$9,250
4.0 ★
PPO
Anthem Full Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Anthem Dual Advantage (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Anthem Extra Help (HMO-POS)
$0.00/mo
$5,900
3.5 ★
HMO-POS
Anthem Kidney Care (HMO-POS C-SNP)
$0.00/mo
$5,900
3.5 ★
HMO-POS C-SNP
Clover Health
Avg Star Rating
3.5 ★
4 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Clover Health Livehealthy Giveback (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Clover Health Valor (PPO)
$0.00/mo
$7,499
3.5 ★
PPO
Clover Health Livehealthy Value (PPO)
$0.00/mo
$6,500
3.5 ★
PPO
Clover Health Livehealthy (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Wellcare
Avg Star Rating
3.3 ★
20 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Patriot Giveback (HMO-POS)
$0.00/mo
$5,000
3.0 ★
HMO-POS
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$7,500
3.5 ★
HMO-POS D-SNP
Wellcare Assist (HMO-POS)
$0.00/mo
$7,500
3.5 ★
HMO-POS
Wellcare Giveback (HMO-POS)
$0.00/mo
$9,250
3.5 ★
HMO-POS
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Liberty (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Simple (HMO-POS)
$0.00/mo
$7,500
3.5 ★
HMO-POS
Wellcare Dual Liberty (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Giveback (HMO-POS)
$0.00/mo
$7,700
3.0 ★
HMO-POS
Wellcare Assist (HMO-POS)
$0.00/mo
$6,000
3.0 ★
HMO-POS
Wellcare Simple (HMO-POS)
$0.00/mo
$5,500
3.0 ★
HMO-POS
Wellcare Patriot Giveback Open (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Wellcare Dual Access Open (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Wellcare Simple Open (PPO)
$0.00/mo
$9,250
3.5 ★
PPO
Wellcare Dual Access Open (PPO D-SNP)
$0.00/mo
$9,250
3.0 ★
PPO D-SNP
Wellcare Simple Open (PPO)
$0.00/mo
$6,750
3.0 ★
PPO
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$5,500
3.0 ★
HMO-POS D-SNP
Wellcare Patriot Simple (HMO-POS)
$0.00/mo
$3,400
3.5 ★
HMO-POS
Wellcare Low Premium (HMO-POS)
$38.00/mo
$5,600
3.0 ★
HMO-POS
Healthspring
Avg Star Rating
3.3 ★
3 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthspring True Choice (PPO)
$0.00/mo
$6,800
3.0 ★
PPO
Healthspring Totalcare (HMO D-SNP)
$0.00/mo
$6,750
3.5 ★
HMO D-SNP
Healthspring Totalcare Plus (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Devoted Health
Avg Star Rating
N/A
5 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Devoted Choice Ma Only 003 Ga (PPO)
$0.00/mo
$9,250
N/A
PPO
Devoted C-Snp Choice Premium 018 Ga (PPO C-SNP)
$0.00/mo
$8,950
N/A
PPO C-SNP
Devoted Choice Giveback 005 Ga (PPO)
$0.00/mo
$9,250
N/A
PPO
Devoted Choice 004 Ga (PPO)
$0.00/mo
$8,650
N/A
PPO
Devoted C-Snp Choice Plus 016 Ga (PPO C-SNP)
$0.00/mo
$9,250
N/A
PPO C-SNP
Healthy Mississippi, Inc.
Avg Star Rating
N/A
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Healthy Mississippi Premier Advantage (HMO-POS)
$0.00/mo
$3,850
N/A
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 20 standalone Part D plans in 39108, AL, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 4 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 39108, 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 39108, AL range from $0 to $149/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
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Humana Basic Rx Plan (PDP)Humana3.0 ★$0.00/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 Basic Rx Plan (PDP)Humana$0.00/mo$6153.0 ★
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Humana Basic Rx Plan (PDP)Humana$0.00/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$89.90/mo3.0 ★
Humana Premier Rx Plan (PDP)Humana$0$129.50/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$139.80/mo2.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$140.60/mo2.0 ★
Humana Value Rx Plan (PDP)Humana$601$36.40/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 39108, AL

5 insurance companies offer standalone Part D drug plans in 39108, AL. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
4 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
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
6 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$36.40/mo
$601
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$37.60/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$89.90/mo
$0
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$129.50/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
2 plans
From $98.30/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$98.30/mo
$615
3.0 ★
PDP
Silverscript Choice (PDP)
$100.70/mo
$615
3.0 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
4 plans
From $59.70/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Assurance Rx (PDP)
$59.70/mo
$615
2.5 ★
PDP
Healthspring Extra Rx (PDP)
$71.20/mo
$615
2.5 ★
PDP
Healthspring Extra Rx (PDP)
$77.10/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$149.30/mo
$615
2.5 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
4 plans
From $84.70/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$84.70/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Saver From Uhc (PDP)
$98.00/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$139.80/mo
$130
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$140.60/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 39108, AL?

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

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Pharmacy Access in 39108, AL

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 39108, AL.

Total Pharmacies

30
within 25.0 miles

Chain Pharmacies

14
CVS, Walgreens, etc.

Independent Pharmacies

16
locally owned
PharmacyAddress & PhoneDistanceType
ALABAMA CVS PHARMACY, L.L.C.675 TUSCALOOSA ST GREENSBORO, AL 367442020📞 334-462-887413.8 miChain
CAREMOR PHARMACY LLC1207 STATE ST GREENSBORO, AL 367442012📞 334-462-797914.1 miIndependent
BOONES PHARMACY INC850 TUSCALOOSA ST STE D GREENSBORO, AL 367441562📞 334-462-715114.2 miIndependent
KC DRUG INC40870 AL HIGHWAY 69 MOUNDVILLE, AL 354744366📞 205-537-875515.6 miIndependent
WAL-MART STORES EAST LP10675 HIGHWAY 5 BRENT, AL 350343908📞 205-592-655316.2 miChain
COLLEGE CITY DRUGS INC304 WASHINGTON ST MARION, AL 367562332📞 334-468-616616.3 miIndependent
THE BIBB COUNTY HEALTH CARE AUTHORITY208 PIERSON AVE CENTREVILLE, AL 350422918📞 205-592-327717.4 miIndependent
ALABAMA CVS PHARMACY, L.L.C.155 BIRMINGHAM RD STE 114 CENTREVILLE, AL 350422949📞 205-592-465417.8 miChain
J & S DRUGS, INC1130 WALNUT ST CENTREVILLE, AL 350422811📞 205-592-482118.0 miIndependent
PUBLIX ALABAMA LLC1101 SOUTHVIEW LN TUSCALOOSA, AL 354056389📞 205-524-771520.2 miChain

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

Local Healthcare Access in 39108, AL

Before choosing a plan, consider the healthcare infrastructure in 39108, 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 39108, AL

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 39108, AL — click a hospital name to see its full profile and verify it's in your plan's network.

HospitalCMS RatingDistanceBeds
Vaughan Regional Medical Center Parkway Campus2 ★36.2 mi214
Medical West, An Affiliate Of Uab Health System2 ★43.9 mi310
Shelby Baptist Medical Center2 ★44.5 mi252
Dch Regional Medical Center1 ★25.1 mi787
Hale County HospitalNot Rated14.3 mi39
Bibb Medical CenterNot Rated17.4 mi35
Bryce HospitalNot Rated25.3 mi268
Mary S Harper Geriatric Psychiatry CenterNot Rated25.5 mi96
Whitfield Regional HospitalNot Rated33.3 mi99
St Vincent's ChiltonNot Rated46.6 mi30

View all 2 hospitals near 39108, AL to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 39108, AL.

Questions to ask your doctor about Medicare coverage →

Telehealth in 39108, 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 39108, AL. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 39108, AL

Fiber Available
56.1%
of households
Cable/DSL Available
99.1%
of households
Top Provider
Lumos Networks
1.9% coverage
No Broadband
0.2%
of households

Internet coverage data from ISP Reports. View full internet report for 39108, AL.

Medicare-Relevant Demographics in 39108, AL

Understanding 39108, 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
2,004
Population 65+
360
18.0% of total
Median Age
47
9.4 years older than the national average
Median Income
$53,219
29.2% below the National Average
On Medicare
394
19.7% of residents
On Medicaid
322
16.1% of residents
Uninsured
771
38.5% of residents
Social Security Recipients
625
31.2% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 39108, AL demographics (BestNeighborhood.org).

Community Health in 39108, AL

CDC PLACES population-health estimates for 39108, 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
22.3%
of adults · US avg 12.1%
Heart Disease
10.8%
coronary heart disease · US avg 6.2%
High Blood Pressure
52.6%
of adults · US avg 34.1%

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

Medicare Plans by Health Condition in 39108, 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 39108, AL

Medicare-enrolled doctors practicing in or near 39108, 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 39108, 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 39108, AL →

Local Medicare FAQ: 39108, AL

Common decision points based on 39108, AL's specific plan market and local healthcare landscape.

How does 39108, AL's Medicare Advantage market compare?

39108, AL has 135 Medicare Advantage plans from 10 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 51 HMO and 83 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 39108, AL?

With limited hospital access nearby, a PPO plan (83 available) could be worth the extra cost for out-of-network coverage, especially if you need to travel for specialized care. In 39108, 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 39108, AL?

133 plans (99% of available options) in 39108, 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 39108, AL, maximum out-of-pocket limits range from $3,300 to an average of $8,234. 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 39108, 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 20 standalone Part D plans in 39108, AL.

What this means locally:

  • Cost predictability — No matter which of the 20 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 — 4 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 39108, 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 39108, AL from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 39108, AL from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 39108, 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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