Medicare Advantage

Mobile's 2027 Medicare Advantage lineup: every plan, grouped by carrier

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 you're sorting through Medicare Advantage choices for 2027, here's a straight look at what's on the shelf. This article walks through the plans available in Mobile, grouped by the company that sells them, with each plan's type (HMO, HMO-POS, PPO, or a Special Needs Plan variation) and whether it includes drug coverage. Every plan listed here appears in the full table below.

Medicare Advantage availability is set at the county level. Mobile is in Mobile County, and the roster comes from the CMS Medicare Advantage Landscape Source File for plan year 2027.

How to read the carrier lists

Medicare Advantage plans come in a few flavors. HMO plans typically ask you to use an in-network provider and often need a referral to see a specialist. HMO-POS ("point of service") plans work like an HMO but let you go out of network for certain services. PPO plans let you see out-of-network providers, usually at a higher share of the cost.

You'll also see "SNP" tags. A D-SNP is a Dual Eligible Special Needs Plan for people who have both Medicare and Medicaid. A C-SNP is a Chronic Condition Special Needs Plan for people with a qualifying condition. An I-SNP is an Institutional Special Needs Plan for people who live in a nursing home or a similar setting. You have to meet the eligibility rules to enroll in a Special Needs Plan.

Every plan on the Mobile County roster for 2027 includes Part D drug coverage. There are no stand-alone Part D plans listed for the county in the 2027 Landscape file, so if you want drug coverage with Medicare Advantage here, it's built into the plan.

The eight carriers offering Medicare Advantage in Mobile County for 2027

Listed alphabetically. The full plan names appear in the table below.

Aetna (CVS Health) — 8 plans (HMO, PPO; 3 Special Needs). Aetna's Mobile lineup includes Aetna Medicare Dual Care (HMO D-SNP), Aetna Medicare Dual Extra Care (HMO D-SNP), Aetna Medicare Eagle Plus (PPO), Aetna Medicare Full Dual Care (HMO D-SNP), Aetna Medicare Signature Care (HMO), Aetna Medicare Signature Giveback (PPO), Aetna Medicare Signature Plus (PPO), and Aetna Medicare Value Plus (PPO). All include drug coverage.

Blue Cross and Blue Shield of Alabama — 2 plans (PPO). Blue Advantage Complete (PPO) and Blue Advantage Premier (PPO). Both include drug coverage.

Blue Cross Blue Shield (HCSC) — 8 plans (HMO, PPO; 2 Special Needs). HCSC markets its Mobile plans under the HealthSpring name: HealthSpring Courage (HMO), HealthSpring Preferred (HMO), HealthSpring Preferred AL (HMO), HealthSpring Preferred Full Savings (HMO), HealthSpring Preferred Plus (HMO), HealthSpring TotalCare (HMO D-SNP), HealthSpring TotalCare Plus (HMO D-SNP), and HealthSpring True Choice (PPO). All include drug coverage.

Devoted Health — 11 plans (HMO, PPO; 6 Special Needs). Devoted's Alabama roster in Mobile includes DEVOTED C-SNP CHOICE 008 AL, DEVOTED C-SNP CHOICE PLUS 012 AL, DEVOTED C-SNP CHOICE PREMIUM 009 AL, DEVOTED CHOICE 001 AL, DEVOTED CHOICE GIVEBACK 005 AL, DEVOTED CHOICE MA ONLY 007 AL, DEVOTED CORE 001 AL, DEVOTED DUAL 004 AL, DEVOTED DUAL CHOICE FULL 013 AL, DEVOTED DUAL PLUS 003 AL, and DEVOTED GIVEBACK 002 AL. All include drug coverage.

Humana — 18 plans (HMO, PPO; 5 Special Needs). Humana has the largest carrier lineup in the county, spanning Humana Gold Plus HMOs, HumanaChoice PPOs (including two Regional PPOs), Humana Value Plus PPOs, Humana Dual Select D-SNPs, Humana Gold Plus SNP-DE D-SNPs, a HumanaChoice SNP-DE D-SNP, and the Humana USAA Honor Giveback plan offered in both an HMO and a PPO version. All include drug coverage. See the table for the full contract-specific plan names.

Simpra Advantage — 3 plans (PPO; 3 Special Needs). Simpra Advantage Assist (PPO I-SNP), Simpra Advantage Dual Care (PPO D-SNP), and Simpra Advantage Nursing Home Plan (PPO I-SNP). All include drug coverage.

UnitedHealthcare — 12 plans (HMO-POS, PPO; 6 Special Needs). UnitedHealthcare's Mobile plans include the AARP Medicare Advantage from UHC line (AL-0001, AL-0002, AL-0003, AL-0004, AL-6, and the AARP Medicare Advantage Patriot No Rx AL-MA01), plus UHC Complete Care AL-5 (HMO-POS C-SNP), UHC Dual Complete AL-D001, AL-D002, AL-S1, and AL-V002, and UHC Nursing Home Plan EX-F001 (PPO I-SNP). All include drug coverage.

VIVA Medicare — 5 plans (HMO; 1 Special Needs). VIVA Medicare Extra Value (HMO D-SNP), VIVA Medicare Infirmary Health Advantage (HMO), VIVA Medicare Plus (HMO), VIVA Medicare Premier (HMO), and VIVA Medicare Select (HMO). All include drug coverage.

The table below lists every plan, its type, and drug coverage status.

What "with drug coverage" means in 2027

Because every Medicare Advantage plan on Mobile's 2027 roster includes drug coverage, you'll also want to know how Part D itself has changed.

• The Part D annual out-of-pocket cap is $2,100 in 2026 and $2,400 in 2027. Once your drug spending reaches that ceiling, you don't pay more out of pocket for covered drugs the rest of the year.
• The Part D maximum deductible is $615 in 2026 ($700 in 2027).
• The old "donut hole" coverage gap was eliminated as of 2025, so Part D now works in three phases: deductible, initial coverage, and catastrophic (capped).
• The Medicare Prescription Payment Plan is optional and lets you spread your drug costs across the plan year in monthly payments instead of paying at the pharmacy counter.

Higher-income enrollees may pay IRMAA surcharges on Part B and Part D. In 2026, IRMAA begins above $109,000 in income for a single filer.

Dates to keep on the calendar

The Annual Enrollment Period runs from October 15 through December 7. Any change you make during that window takes effect January 1. From January 1 through March 31, the Medicare Advantage Open Enrollment Period lets people already in a Medicare Advantage plan switch to a different Advantage plan or go back to Original Medicare (with a stand-alone Part D plan if one is available and you're eligible).

If your current plan is being discontinued or changed for 2027, you should have received an Annual Notice of Change (ANOC) from your plan in September. That letter spells out what's changing.

How to compare the plans on