Medicare Advantage

Mobile, AL Medicare Advantage Plans for 2027

Mobile County has 79 Medicare Advantage plans for 2027. Compared with 2026, 4 plans are not coming back, 16 are new, and 28 continuing plans changed in some way you should check before December 7, 8 of them under a new name. This guide covers what those numbers mean for Mobile, not which plan to pick.

Medicare AdvantageMobile, AL

If you live in Mobile and are weighing Medicare Advantage for 2027, the first thing worth knowing is not a price or a benefit — it is the shape of the choices in front of you. Mobile sits in Mobile County, where CMS lists 71 Medicare Advantage plans for 2027 from 8 different carriers. Those plans come in a few different flavors — HMO, HMO-POS, PPO and several kinds of Special Needs Plans — and each flavor works a little differently. Understanding that structure before you start comparing benefits can save you a lot of second-guessing later.

Who sells Medicare Advantage in Mobile County for 2027

CMS's 2027 Medicare Advantage landscape for Mobile County lists eight carriers. Compared with 2026, 55 plans continue, 16 are new, 4 are not returning, and 8 have been renamed; 20 continuing plans change something in their terms, and the ANOC has those details.

The number of plans each carrier offers in the county varies:

• Aetna (CVS Health): 8 plans (HMO, PPO; 3 Special Needs)
• Blue Cross and Blue Shield of Alabama: 2 plans (PPO)
• Blue Cross Blue Shield (HCSC): 8 plans (HMO, PPO; 2 Special Needs)
• Devoted Health: 11 plans (HMO, PPO; 6 Special Needs)
• Humana: 18 plans (HMO, PPO; 5 Special Needs)
• Simpra Advantage: 3 plans (PPO; 3 Special Needs)
• UnitedHealthcare: 12 plans (HMO-POS, PPO; 6 Special Needs)
• VIVA Medicare: 5 plans (HMO; 1 Special Needs)

More plans from a single carrier does not automatically mean a better fit — it just means more versions to sort through. The table below lists every plan by carrier so you can see the full lineup.

HMO, HMO-POS and PPO: what the plan type actually decides

Plan type is the piece most people underestimate. It sets the rules for how you use your coverage day to day.

HMO (Health Maintenance Organization). You pick a primary care doctor, and you generally stay inside the plan's network. Out-of-network care is usually not covered except in emergencies. HMOs are one of the plan types available among the 71 plans in Mobile County for 2027.

HMO-POS (HMO with a Point-of-Service option). Same idea as an HMO, but with a limited ability to see certain out-of-network providers, usually at a higher cost. HMO-POS plans are part of the Mobile County lineup for 2027.

PPO (Preferred Provider Organization). You can see any Medicare-approved provider who agrees to treat you, in or out of network, though in-network care costs less. PPOs are among the plan types available in the county in 2027.

PFFS (Private Fee-for-Service). You may see this type in Medicare literature. It lets you use any Medicare provider who agrees to the plan's terms. For 2027, there are no PFFS plans in the Mobile County landscape.

None of these is "better" than another. HMOs tend to have tighter networks; PPOs trade flexibility for a different cost structure. Which one fits depends on your doctors, whether you travel, and how much choice you want.

Special Needs Plans (SNPs) — who they are for

Special Needs Plans are Medicare Advantage plans built for a specific group of people. SNPs are available in Mobile County for 2027 across several carriers. There are three types:

• D-SNP (Dual Eligible): for people who qualify for both Medicare and Medicaid.
• C-SNP (Chronic Condition): for people with certain qualifying chronic conditions.
• I-SNP (Institutional): for people who live in, or need the level of care provided in, a long-term care setting such as a nursing home.

You cannot enroll in an SNP unless you meet the eligibility rules. If you do qualify — especially for a D-SNP — it is worth looking, because these plans are designed around those situations.

All plans include drug coverage — and Part D has a new cap

Every one of the 71 Medicare Advantage plans in Mobile County for 2027 includes prescription drug coverage. That matters because CMS lists 0 stand-alone Part D plans in the county for 2027 — so for most Mobile residents, drug coverage will come bundled with a Medicare Advantage plan (or through other creditable coverage such as a retiree or VA benefit).

A few Part D rules apply no matter which plan you choose:

• The Part D annual out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once you hit it, you pay nothing for covered drugs the rest of the year.
• The Part D deductible cannot be more than $615 in 2026, and cannot be more than $700 in 2027.
• The old "donut hole" coverage gap was eliminated in 2025. Part D now has three phases instead of four.
• The Medicare Prescription Payment Plan is available if you want to spread your drug costs into predictable monthly payments instead of paying at the pharmacy counter.

How to decide — a simple order of questions

With 67 plans in play, it helps to narrow the field before comparing benefits:

1. Do I qualify for an SNP? If yes (dual eligibility, a qualifying chronic condition, or an institutional setting), start there. 2. What plan type fits how I use care? HMO if you are fine with a set network and referrals; PPO if you want more flexibility; HMO-POS if you want something in between. 3. Are my doctors and hospitals in the plan's network? Check each plan you are considering directly — networks change every year. 4. Are my prescriptions on the plan's formulary, and at what tier? This often matters more than the sticker premium. 5. Do the extra benefits actually match what I use? Skip the ones you would never touch.

Dates and income thresholds to keep in mind

• Annual Enrollment Period: October 15 – December 7. This is when most people compare and switch.
• Medicare Advantage Open Enrollment: January 1 – March 31, for people already in a Medicare Advantage plan who want to switch or drop back to Original Medicare.
• IRMAA: For 2026, income-related Part B and Part D surcharges begin above $109,000 for a single filer.

Where to get personalized help

• medicare.gov — the official Plan Finder lets you enter your ZIP code, doctors and drugs to compare plans side by side.
• 1-800-MEDICARE — available 24/7.
• Alabama SHIP (State Health Insurance Assistance Program) — free, unbiased one-on-one counseling from trained volunteers who do not sell insurance.