Medicare Advantage

Medicare Choices Near Phenix City, AL — 2027

A snapshot of Medicare options around Phenix City for the 2027 plan year, with counts and key Part D program facts.

PHENIX CITY, Ala. — If you're sorting through Medicare choices this fall, it helps to see the lay of the land close to home. Phenix City sits in Russell County, and the mix of Medicare Advantage and drug coverage nearby is shaped by what carriers file at the county level. Here's a plain look at what's around, plus a few program facts worth keeping in mind for 2027.

What's available in the Phenix City area

Medicare plan availability is set county by county, not city by city. Phenix City is in Russell County, where the landscape showed 55 Medicare Advantage plans on offer for 2026. Seven carriers offered Medicare Advantage plans that include drug coverage (called MA-PD) in the area for 2026. The 2027 lineup is detailed in each plan's ANOC and on Medicare.gov's Plan Finder.

The count itself doesn't tell you which plan fits your doctors, prescriptions, or budget — that's a personal question. But it does tell you the shelf is not empty. With roughly 8,979 residents age 65 and older in the county, there's a fair amount of competition among carriers here.

A note on stand-alone drug plans

The landscape data shows zero stand-alone Part D plans specifically listed for Russell County in this snapshot. In practice, most people in the area who want prescription coverage get it through a Medicare Advantage plan that already includes Part D.

If you have Original Medicare and want a stand-alone Part D plan, it's still worth checking Medicare's Plan Finder at medicare.gov directly — plan availability can change, and the tool will show you every option tied to your ZIP code and drug list.

What Star Ratings mean (and don't mean)

Medicare rates plan contracts on a 1-to-5 star scale for things like customer service, member complaints, and how well plans manage care. In the current data for this area, no contracts are rated 4 stars or higher. Ratings are one signal — not the whole story — and they change every year.

Stars are meant to help you compare, not to point you to any one plan. Your own priorities (network, drugs, travel needs) usually matter more.

Program rules worth knowing for 2027

A few program-wide changes apply for 2027 that affect everyone with Part D, no matter which plan they pick:

• Out-of-pocket cap: Part D spending is capped at $2,100 in 2026 and $2,400 in 2027.
• Deductible ceiling: Plans can't set a Part D deductible higher than $615 in 2026 or $700 in 2027.
• No more donut hole: The coverage gap phase was eliminated in 2025. Part D now has three phases instead of four.
• Payment smoothing: The Medicare Prescription Payment Plan lets you spread drug costs across the year in monthly installments, at no added charge.
• IRMAA: Higher-income beneficiaries pay a surcharge on Part B and Part D premiums. For a single filer in 2026, IRMAA kicks in above $109,000 in income.

Dates to circle

• Oct. 15 – Dec. 7: Annual Enrollment Period. You can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect Jan. 1.
• Jan. 1 – March 31: Medicare Advantage Open Enrollment. If you're already in a Medicare Advantage plan, you get one chance to switch to another MA plan or return to Original Medicare (and add a Part D plan if you need one).