Plan year 2027 · Medicare AdvantageCMS files of Sept. 22 and Oct. 1, 2026

Blue Advantage Choice, 2027

H0104Contract016Plan

PPO · 67 counties in Alabama

Run by Blue Cross and Blue Shield of Alabama (contract H0104), sold as Blue Cross and Blue Shield of Alabama, owned by BlueCross BlueShield of Alabama

Renews for 2027

2026 star rating, contract H0104: 4 of 5

Blue Advantage Choice (H0104-016) costs $0 a month in 2027, the same as in 2026, with an in-network out-of-pocket limit of $7,150 ($6,150 in 2026).

What changes from 2026 to 2027?

The changed lines are marked and come first. In-network amounts; members keep paying the Part B premium unless the plan reduces it.
What you pay or get	2026	2027	Change
In-network out-of-pocket limit	$6,150	$7,150	up $1,000
Drug deductible	$325	$700	up $375
Primary care visit	$5 copay	$10 copay	up $5
Specialist visit	$35 copay	$15 copay	down $20
Medical deductible, in network	$285	$450	up $165
Hospital stay, in network	$330 a day for days 1–7, then $0 a day for days 8–90	$410 a day for days 1–7, then $0 a day for days 8–90	up $400for a 5-day stay
Skilled nursing facility, in network	$10 a day for days 1–20, then $218 a day for days 21–100	$10 a day for days 1–20, then $221 a day for days 21–100	up $30for a 30-day stay
Ground ambulance, in network	$420 copay	$355 copay	down $65
Counties served	60	67	up 7
Drug tier 2, generic	$20	$0	down $20
Drug tier 3, preferred brand	18% of the cost	23% of the cost	up 5 points
Drug tier 4, non-preferred drug	30% of the cost	28% of the cost	down 2 points
Drug tier 5, specialty tier	29% of the cost	25% of the cost	down 4 points
8 lines do not change
Monthly premium	$0	$0	no change
Part B premium reduction, monthly	none	none	no change
Emergency room	$130 copay	$130 copay	no change
Comprehensive dental, yearly limit	not offered	not offered	no change
Eyewear, yearly limit	$100 a year	$100 a year	no change
Hearing aids, yearly limit for both ears	not offered	not offered	no change
Over-the-counter items, yearly	not offered	not offered	no change
Drug tier 1, preferred generic	$0	$0	no change

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS plan benefit package files, 2027 and 2026; CMS plan crosswalk from 2026 to 2027 (Oct. 1, 2026). Plan details can change during the year; confirm on Medicare Plan Finder.

What will prescriptions cost?

Your share for a 30-day supply at a retail pharmacy, as filed with CMS; tiers whose share changes are marked
Tier	What the tier holds	2026	2027
Tier 1	Preferred Generic	$0	$0
Tier 2	Generic	$20	$0
Tier 3	Preferred Brand	18% of the cost	23% of the cost
Tier 4	Non-Preferred Drug	30% of the cost	28% of the cost
Tier 5	Specialty Tier	29% of the cost	25% of the cost

Source: CMS plan benefit package files, 2027 and 2026. Insulin is capped at $35 a month by law. A drug's tier is set by the plan's formulary.

How does it compare with plans sold where it is?

In the counties it serves, 58 plans open to everyone are sold for 2027, this one included. Against the others, 31 plans have a lower out-of-pocket limit, 8 the same, 18 a higher one. On the premium, 40 the same, 17 a higher one.

Out-of-pocket limits of the 58 plans open to everyone

$0 to under $2,0001 plan

$2,000 to under $4,0002 plans

$4,000 to under $6,00016 plans

$6,000 to under $8,000 (this plan)26 plans

$8,000 to $10,00013 plans

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Where is it sold, and what does it cost there?

The premium and the out-of-pocket limit are the same in all 67 counties: $0 a month and $7,150.

Alabama

Autauga Baldwin Barbour Bibb Blount Bullock Butler Calhoun Chambers Cherokee Chilton Choctaw Clarke Clay Cleburne Coffee Colbert Conecuh Coosa Covington Crenshaw Cullman Dale Dallas DeKalb Elmore Escambia Etowah Fayette Franklin Geneva Greene Hale Henry Houston Jackson Jefferson Lamar Lauderdale Lawrence Lee Limestone Lowndes Macon Madison Marengo Marion Marshall Mobile Monroe Montgomery Morgan Perry Pickens Pike Randolph Russell Shelby St. Clair Sumter Talladega Tallapoosa Tuscaloosa Walker Washington Wilcox Winston

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision).

Who runs this plan?

Plan ID: H0104-016
Legal name of the contract: Blue Cross and Blue Shield of Alabama
Sold as: Blue Cross and Blue Shield of Alabama
Parent company: BlueCross BlueShield of Alabama
Plan type: PPO
2026 star rating of the contract: 4 of 5 overall; health plan 4 of 5, drug plan 3.5 of 5
Members, September 2026: 7,280
Plan website, as filed with CMS: www.bcbsalmedicare.com

Source: CMS Medicare Advantage and Part D landscape files for 2027 (Sept. 22, 2026, revised Sept. 30) and 2026 (Sept. 2, 2026 revision); CMS 2026 Star Ratings (October 2025); CMS monthly enrollment by plan and by county, September 2026 (CMS hides counts under 11). CMS publishes the 2027 Star Ratings in October 2026.

What else should you check?

Other 2027 plans in Madison, ALWhere most of its members live; premiums and limits side by side
Every Blue Cross and Blue Shield of Alabama plan for 2027Its contracts, counties and plans that end
The other 2 plans of contract H0104Same company, same contract
Is your prescription covered?Coverage share and tier for 2,259 drugs

Data, not advice. These are the plan's filed amounts, not a quote for you; confirm on Medicare Plan Finder or call the plan before you enroll.