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Medicare in Alabama for 2022


Medicare Supplement plans in Alabama are health insurance policies that provide additional coverage to Original Medicare (Part A and Part B). If you enroll in a Medicare Supplement plan in Alabama, you will receive coverage for the leftover costs Original Medicare leaves behind, such as copayments, coinsurance, and deductibles.

Below, we review Medicare Supplement plans in Alabama and how you can use this coverage to your benefit.

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What are the Best Medicare Supplement Plans in Alabama?

There are ten standardized Medicare Supplement (Medigap) plans and two high-deductible Medicare Supplement plans available in Alabama. Each Medigap plan is identified by a letter, A through N. The difference between letters lies in each plan’s benefits.

Alabama’s Medigap options are the same as most other states. Yet, all Medicare Supplement plans are standardized across carriers.

Medicare Supplement standardization across carriers means that all plans identified by the same letter or name share identical benefits, regardless of the carrier. Thus, you can visit any doctor or hospital accepting Medicare, regardless of your plan and carrier.

Of the 12 available plans. Medicare Supplement Plan N, Plan G, and Plan F are the most popular Medicare Supplement plans in Alabama. While any Medicare Supplement plan can be beneficial, these three plans offer the most comprehensive benefits at the best price.

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Medicare Supplement Plan F provides the most comprehensive coverage among the three plans. This plan covers all costs left behind by Original Medicare, leaving you with zero out-of-pocket costs for all Medicare-covered services.

Yet, not all who qualify for Original Medicare can get Medigap Plan F. You must receive Medicare Part A before January 1, 2020 to enroll in this plan.

Medicare Supplement Plan G is the second-most comprehensive plan and is the go-to for new Medicare beneficiaries. Medigap Plan G covers everything Plan F does, except for the Medicare Part B deductible. Therefore, once you cover the annual deductible out-of-pocket, you will have no out-of pocket-costs for anything Medicare covers for the rest of the year.

Rounding out the list of the top three Medigap plans in Alabama, Medicare Supplement Plan N offers the third-highest level of benefits. With this plan, you are responsible for the Medicare Part B deductible, $20-$50 copayments at the doctor or emergency room, and excess charges when applicable in the state you receive care.

Cost of Medicare Supplement Plans in Alabama

How much Medicare Supplement plans in Alabama cost varies depending on several factors. Commonly, your monthly premium is based on your location, age, gender, and tobacco-use status. While there may be other factors depending on the carrier, these are the most common across all policies and Medigap insurance companies.

Typically, men will pay more for coverage than women, and plans with higher benefit levels will cost more than plans with lesser benefits.

The charts below depicts the monthly premium costs between a 65-year old male and female compared to a 75-year-old male and female in the same Alabama zip code.

Female, No Tobacco, Alabama ZIP Code 35242
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $128-$370* $163-$392
Medicare Supplement Plan G $115-$355 $129-$366
Medicare Supplement Plan N $85-$250 $103-$270
Male, No Tobacco, Alabama ZIP Code 35242
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $147-$418* $188-$451
Medicare Supplement Plan G $125-$400 $149-$400
Medicare Supplement Plan N $97-$282 $117-$310

* If on Medicare before 1/1/20

Additionally, as you can see in the table above, it is beneficial to sign up for a Medicare Supplement plan as soon as you are eligible. If you enroll at 75, you will likely pay more each month than if you utilized your Medigap Open Enrollment Period.

In addition to premiums, you must account for any out-of-pocket costs your Medicare Supplement plan requires.

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What are Excess Charges for Medicare in Alabama?

Most Medigap plans will cover Medicare excess charges if you see a medical professional who charges them. Medicare excess charges are up to a 15% additional fee on top of the Medicare-approved amount (Medicare assignment) for a service.

Not every state allows physicians to bill for excess charges. However, Alabama is one of the states that permit excess charges.

Your provider can accept Medicare coverage but not Medicare assignment. If this is the case, you must cover any excess charges. However, even in states that allow excess charges, it is very uncommon for doctors not to accept Medicare assignment.

If you are worried you may be responsible for excess charges, you should speak directly to your provider before receiving any services. Further, if you receive care in another state, it does not matter that your home state of Alabama allows excess charges; the rules of the state where you receive care apply. Again, these costs are rare, so finding a provider who accepts Medicare assignment should not be difficult.

Medicare Supplement Plans in Alabama for the Disabled Under 65

There is no federal requirement for insurance companies to offer a Medigap plan option to people under 65 who are on Medicare due to disability. Instead, it is up to each state.

Alabama does not require carriers to provide Medigap to disabled beneficiaries. Yet, some carriers in Alabama may still offer a plan to those under 65.

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However, the monthly premium for disabled Medigap recipients is often double or triple that of someone 65 or older. If this is the case for you, a Medicare Advantage plan might be your best option before turning 65.

If you are on disability and have a low income, applying for Medicaid in addition to Medicare is crucial. Whether or not you believe you qualify, it doesn’t hurt to apply, as you may not be aware of all eligibility requirements. Those with Medicare and Medicaid may be eligible for a Dual-Eligible Special Needs Plan that helps cover significant healthcare costs.

Medicaid pays most of the costs relating to the plan, including the deductible, premium, and applicable copayments. Although, depending on your area, this coverage may not be available, as the program varies by state.

There are multiple eligibility levels for Medicaid, including Qualified Medicare Beneficiary and Specified Low-Income Medicare Beneficiary. Income and assets determine eligibility.

Once you turn 65, you will get a second Medicare Supplement Open Enrollment Period. At this time, you can enroll in a Medigap plan without health questions and at a lower monthly premium.

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Additional Medicare Coverage Options in Alabama

In addition to Medicare Supplement plans in Alabama, the state offers a multitude of additional coverage options for Medicare enrollees. When you have Original Medicare – with or without a Medicare Supplement – Medicare Part D plans provide coverage for prescription drugs. Ancillary plans are also available to help cover the costs of hearing, dental, and vision benefits.

If a Medigap plan is not suitable for you, private insurance companies in Alabama offer Medicare Advantage plans. These plans combine Medicare Part A and Part B with additional benefits, such as prescription drugs, dental, vision, and hearing. Thus, Medicare Advantage provides an all-in-one policy. However, these plans typically entail doctor networks, high deductibles, regular copayments, and the need for a referral to see a specialist.

Alabama Medicare Supplement Plan FAQs

How do I change my Medicare Supplement plan in Alabama?
If you wish to change your Medicare Supplement plan in any state, it is important not to cancel your current coverage until another plan accepts you. In Alabama, Medigap plans require underwriting health questions when changing plans outside your open enrollment window. So, while you can change Medigap plans anytime, a plan could deny coverage or charge you more in premiums due to a pre-existing health condition.
Do Alabama Medigap plans have networks?
Medicare Supplement plans in Alabama do not have networks because Medigap does not come with a network in any state. You can use a Medigap plan at any provider who accepts Original Medicare, regardless of your plan’s carrier.
How do I apply for Medicare in Alabama?
Applying for Medicare is the same in all states. You must sign up with Social Security online, on the phone, or in person.

How to Apply for a Medicare Supplement Plan in Alabama

To find the right Medicare Supplement plan in Alabama, it is essential to work with a licensed agent who can access all options from the top carriers in your area. At MedicareFAQ, our licensed agents can help you personalize coverage based on your budget and medical needs.

Once your agent understands what you are looking for, they will provide you with a side-by-side comparison of all the best plans and carriers in your area. To begin your coverage comparison, call the number above or complete our online rate form today.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement Insurance, ALDOI. Accessed June 2022.
    https://www.aldoi.gov/consumers/seniorhealthinsurance.aspx
  2. Medicare Supplements, Medicare. Accessed June 2022.
    https://www.medicare.gov/supplements-other-insurance/whats-medicare-supplement-insurance-medigap

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

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