
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in 39851, AL
With 105 Medicare Advantage options from 10 insurers, 39851, AL has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 97% 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.
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 39851, AL
Approximately 467 residents (23.2% of the population) in 39851, 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 39851, AL is $40,729 (45.8% 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. 39851, AL's 105 Medicare Advantage plans are a mix leaning toward PPO networks (61 PPO, 44 HMO). 102 plans offer $0 monthly premiums. The average local star rating is 3.8 out of 5, with the top plan earning 4.5 ★.
Top Medicare Advantage Plans in 39851, AL
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 39851, AL range from $0 to $75/month. Among rated plans, 39 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 Name | Insurer | Star Rating | Premium | Type | |
|---|---|---|---|---|---|
| Uhc Dual Complete Ga-S1 (PPO D-SNP) | Unitedhealthcare | 4.5 ★ | $0.00/mo | PPO D-SNP | Enroll |
| Humanachoice H7617-091 (PPO) | Humana | 4.5 ★ | $0.00/mo | PPO | Enroll |
| Uhc Dual Complete Ga-V1 (PPO D-SNP) | Unitedhealthcare | 4.5 ★ | $0.00/mo | PPO D-SNP | Enroll |
| Uhc Dual Complete Ga-S2 (PPO D-SNP) | Unitedhealthcare | 4.5 ★ | $0.00/mo | PPO 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 |
|---|---|---|---|---|
| Humanachoice H5216-269 (PPO) | Humana | $0.00/mo | $4,000 | 3.5 ★ |
| Blue Advantage Complete (PPO) | Blue Cross And Blue Shield Of Alabama | $0.00/mo | $5,900 | 4.0 ★ |
| Uhc Complete Care Al-5 (HMO-POS C-SNP) | Unitedhealthcare | $0.00/mo | $5,900 | 3.5 ★ |
| Humana Gold Plus H4461-079 (HMO) | Humana | $0.00/mo | $4,450 | 4.0 ★ |
| Aarp Medicare Advantage From Uhc Al-0003 (HMO-POS) | Unitedhealthcare | $0.00/mo | $5,900 | 4.0 ★ |
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 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 ★ |
| Humanachoice H5216-368 (PPO) | Humana | $3,000 | $0.00/mo | 3.5 ★ |
| Humana Value Plus H7617-089 (PPO) | Humana | $3,000 | $0.00/mo | 4.5 ★ |
| Humana Value Plus H5216-179 (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 39851, 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 | 38 | 36.2% | No referrals; in and out-of-network |
| HMO-POS | 13 | 12.4% | HMO with some out-of-network options |
| PPO D-SNP | 11 | 10.5% | Medicare Advantage plan |
| HMO D-SNP | 10 | 9.5% | Medicare Advantage plan |
| HMO-POS D-SNP | 9 | 8.6% | Medicare Advantage plan |
| HMO | 8 | 7.6% | Requires referrals; in-network only |
| Regional PPO | 5 | 4.8% | Medicare Advantage plan |
| PPO I-SNP | 3 | 2.9% | Medicare Advantage plan |
| PPO C-SNP | 3 | 2.9% | Medicare Advantage plan |
| HMO I-SNP | 2 | 1.9% | Medicare Advantage plan |
| HMO-POS C-SNP | 2 | 1.9% | Medicare Advantage plan |
| Regional PPO C-SNP | 1 | 1.0% | 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 39851, 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 39851, AL
10 insurance companies offer Medicare Advantage plans in 39851, 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 22 standalone Part D plans in 39851, 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.
Top Part D Drug Plans in 39851, 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 39851, 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 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 |
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Humana Basic Rx Plan (PDP) | Humana | 3.0 ★ | $0.00/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 |
|---|---|---|---|---|
| Humana Basic Rx Plan (PDP) | Humana | $0.00/mo | $615 | 3.0 ★ |
| Wellcare Value Script (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $0.00/mo | $615 | 3.0 ★ |
| Wellcare Value Script (PDP) | Wellcare | $3.60/mo | $615 | 3.5 ★ |
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 ★ |
| Humana Premier Rx Plan (PDP) | Humana | $0 | $129.50/mo | 3.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $119.30/mo | 2.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $139.80/mo | 2.0 ★ |
| Bluerx Enhanced Plus (PDP) | Bluerx (Pdp) | $150 | $129.50/mo | 2.5 ★ |
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 39851, AL
6 insurance companies offer standalone Part D drug plans in 39851, 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 39851, 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 39851, AL
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 39851, AL.
Total Pharmacies
Chain Pharmacies
Independent Pharmacies
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| CRICKET DRUGS, INC | 114 HANCOCK ST S FORT GAINES, GA 398514338 229-976-3000 | 1.7 mi | Independent |
| WALGREEN CO | 514 KIRKLAND ST ABBEVILLE, AL 363102700 334-458-2282 | 12.6 mi | Chain |
| ABBEVILLE PHARMACY LLC | 615 OZARK RD ABBEVILLE, AL 363102629 334-458-0246 | 12.7 mi | Independent |
| WAL-MART STORES EAST LP | 407 W WASHINGTON ST ABBEVILLE, AL 363102018 334-458-9012 | 13.3 mi | Chain |
| WAL-MART STORES EAST LP | 3176 S EUFAULA AVE EUFAULA, AL 360274406 334-468-2338 | 16.3 mi | Chain |
| SOUTHWEST GA REGIONAL MEDICAL CENTER | 109 RANDOLPH ST CUTHBERT, GA 398401338 229-973-2181 | 18.0 mi | Independent |
| HOSPITAL AUTHORITY OF RANDOLPH COUNTY | 361 RANDOLPH ST CUTHBERT, GA 398406127 229-931-6711 | 18.3 mi | Independent |
| ADAMS FAMILY PHARMACY, TOO, INC | 98 PEACHTREE ST CUTHBERT, GA 398405807 229-973-2077 | 18.4 mi | Independent |
| PRIMARY CARE OF SOUTHWEST GEORGIA, INC | 360 COLLEGE ST BLAKELY, GA 398232554 229-972-2660 | 18.6 mi | Independent |
| WALGREEN CO | 130 S EUFAULA AVE EUFAULA, AL 360272026 334-468-7144 | 18.8 mi | Chain |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in 39851, AL
Before choosing a plan, consider the healthcare infrastructure in 39851, 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 39851, AL
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 39851, AL — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Southeast Health Medical Center | 4 ★ | 34.0 mi | 420 |
| Dale Medical Center | 3 ★ | 36.2 mi | 89 |
| Medical Center Enterprise | 3 ★ | 51.9 mi | 131 |
| Phoebe Putney Memorial Hospital | 2 ★ | 53.0 mi | 691 |
| Lifebrite Community Hospital Of Early | Not Rated | 18.8 mi | 25 |
| Medical Center Barbour | Not Rated | 18.9 mi | 35 |
| Miller County Hospital | Not Rated | 36.6 mi | 25 |
| Donalsonville Hospital Inc | Not Rated | 42.0 mi | 65 |
| Bullock County Hospital | Not Rated | 52.6 mi | 48 |
| Troy Regional Medical Center | Not Rated | 55.2 mi | 97 |
View all 2 hospitals near 39851, AL to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 39851, AL.
Telehealth in 39851, 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 39851, 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 39851, AL
Internet coverage data from ISP Reports. View full internet report for 39851, AL.
Medicare-Relevant Demographics in 39851, AL
Understanding 39851, 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 39851, AL demographics (BestNeighborhood.org).
Community Health in 39851, AL
CDC PLACES population-health estimates for 39851, 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 39851, 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 39851, AL
Medicare-enrolled doctors practicing in or near 39851, 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 39851, AL →Local Medicare FAQ: 39851, AL
Common decision points based on 39851, AL's specific plan market and local healthcare landscape.
How does 39851, AL's Medicare Advantage market compare?
39851, AL has 105 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 44 HMO and 61 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 39851, AL?
With limited hospital access nearby, a PPO plan (61 available) could be worth the extra cost for out-of-network coverage, especially if you need to travel for specialized care. In 39851, 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 39851, AL?
102 plans (97% of available options) in 39851, 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 39851, AL, maximum out-of-pocket limits range from $2,900 to an average of $7,806. 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 39851, 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 22 standalone Part D plans in 39851, AL.
What this means locally:
- Cost predictability — No matter which of the 22 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
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 39851, 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 39851, AL from ispreports.org
- BestNeighborhood.org: Community demographic profiles for 39851, AL from bestneighborhood.org
- CrimeGrade.org: Block-level safety analytics for 39851, 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