Medicare Advantage

Blue Cross and Blue Shield of Alabama Medicare Advantage in Alabama for 2027: 3 Plans

MONTGOMERY — Alabamians comparing Medicare Advantage coverage for 2027 will see three plans from Blue Cross and Blue Shield of Alabama listed statewide in the federal plan file, all of them PPOs that include prescription drug coverage. The numbers come from the CMS Medicare Advantage Landscape Source Files for 2026 and 2027, which show what each carrier intends to offer in each county next year. This explainer is published by an independent Medicare education site; it is not the federal government and not Blue Cross and Blue Shield of Alabama.

2027 plan lineupAlabama

How many Blue Cross and Blue Shield of Alabama Medicare Advantage plans are offered in Alabama for 2027?

Blue Cross and Blue Shield of Alabama is listing 3 Medicare Advantage plans across Alabama for 2027, and all 3 are PPOs that include prescription drug coverage. The CMS Landscape file shows 0 Dual Eligible Special Needs Plans (D-SNPs), 0 Chronic Condition SNPs (C-SNPs) and 0 Institutional SNPs (I-SNPs) from this carrier in the state for the year.

For context, 7 other carriers are also offering Medicare Advantage plans in Alabama for 2027, and all carriers together are listing 113 plans statewide. Each plan is approved by CMS at the county level, so the statewide count is a ceiling, not a guarantee that every plan appears in every county.

Which Blue Cross and Blue Shield of Alabama plans have the widest county reach in Alabama for 2027?

The widest county reach for 2027 belongs to Blue Advantage Choice (PPO), listed in 67 Alabama counties. Blue Advantage Complete (PPO) follows at 60 counties, and Blue Advantage Core (PPO) is listed in 7 counties. All three are PPOs with drug coverage, according to the CMS Landscape file.

The full plan-by-plan table on this page shows the plan name, type, drug coverage status and county reach for each listing. Reach is simply how many counties a plan is sold in — it is not a quality score, and this article does not rank the plans or single any of them out.

What is new or not returning from Blue Cross and Blue Shield of Alabama in Alabama for 2027?

For 2027, Blue Cross and Blue Shield of Alabama has 0 new Medicare Advantage plans in Alabama and 1 plan not returning from 2026, based on a year-over-year comparison of the CMS Landscape Source Files. One continuing plan has also been renamed: Blue Advantage Core (PPO) was previously called Blue Advantage Complete (PPO).

Renames and non-renewals matter because the mail you receive this fall will reflect them. If your current plan is not returning, the carrier is required to send an Annual Notice of Change or a non-renewal notice before the Annual Enrollment Period begins. Read that letter carefully and keep it with your Medicare paperwork.

How do I check whether a Blue Cross and Blue Shield of Alabama plan is offered in my Alabama county and covers my doctors and drugs?

Start at medicare.gov and use the Medicare Plan Finder with your ZIP code; it will show only the plans actually offered in your county for 2027, including which Blue Cross and Blue Shield of Alabama plans appear on your local list. A plan named on this statewide page — for example, Blue Advantage Choice (PPO), Blue Advantage Complete (PPO) or Blue Advantage Core (PPO) — may not be available in your specific county, because Medicare Advantage is approved county by county.

Once you see the plans in your county, check three things on the plan's own documents before you decide:

• Provider directory: are your primary care doctor, specialists and preferred hospitals in the plan's network?
• Formulary (drug list): are each of your prescriptions covered, and at what tier?
• Evidence of Coverage: what are the rules for referrals, prior authorization and out-of-network care?

This article does not list premiums, deductibles, copays, benefits, networks or star ratings for any plan. Those details change and belong in the official plan documents, not in a news explainer.

What should Alabama Medicare beneficiaries do before December 7, 2026?

The Annual Enrollment Period for 2027 Medicare Advantage and Part D coverage runs October 15 through December 7, 2026, and the choice you make during that window takes effect January 1, 2027. If you do nothing and your current plan is renewing, you generally stay in it for 2027 under its updated terms.

A simple checklist for Alabama readers:

• Read your Annual Notice of Change when it arrives in September or October 2026.
• Make a current list of your doctors, hospitals and prescriptions.
• Compare the plans offered in your county on medicare.gov's Plan Finder.
• If you want to switch, enroll by December 7, 2026, for a January 1, 2027 effective date.

There is also a Medicare Advantage Open Enrollment Period from January 1 through March 31, 2027, during which someone already in a Medicare Advantage plan can make one change.

Where can Alabamians get free help comparing Medicare plans for 2027?

Free, unbiased help is available directly from Medicare: call 1-800-MEDICARE (1-800-633-4227), available 24 hours a day, seven days a week, including TTY service at 1-877-486-2048. The medicare.gov website offers the same Plan Finder the agents use, along with each plan's Summary of Benefits and Star Ratings.

You can also contact Blue Cross and Blue Shield of Alabama directly for questions about a specific plan's Evidence of Coverage, provider directory or formulary. This site is independent and cannot enroll you or quote plan details.