Close close icon

Guide to Medicare Supplement Plans in Alabama


Medicare Supplement Plans in Alabama are health policies that provide extra coverage. Costs such as deductibles, coinsurance, and copayments have coverage through Medigap. Private health insurance companies offer Medigap plans to help fill the holes in Medicare.

Which Medicare Supplement Plans are Available in Alabama?

Medicare in Alabama is the same across the United States. All Medigap letter plans are offered in Alabama. Plan N, G, and F are the most popular coverage options for beneficiaries nationwide. All of these plans are beneficial; it just depends on how much you want to pay in premiums and out-of-pocket costs.

How Much do Medicare Supplement Plans Cost in Alabama?

Many beneficiaries find that Plan G makes the most sense financially. See, Plan F in Birmingham costs over $155 a month for a 65 year-old-man whereas Plan G is less than $120. $35 a month x 12 months = $420.

The Part B deductible is MUCH less than $420 a year. So, it makes more sense financially to purchase the Plan G and pay the deductible yourself. Now, some believe Plan N makes more sense because the premium is even lower than Plan G.

Medicare for the Disabled Beneficiaries Under 65 in Alabama

Insurance companies DON’T have to offer Medigap to those under 65 in Alabama; so, what coverage is available? Well, Medicare Advantage plans are an option.

If you’re on disability and have a low income, applying for Medicaid is our first advice. Those already on Medicare and Medicaid could be eligible for a Dual-Eligible Special Needs Plan.

Medicaid pays most of the costs relating to the plan, such as the deductible, premium, and applicable copayments. Although, depending on your area, this coverage might not be available.

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

Medicare Advantage Plans in Alabama

Medicare Advantage in Alabama41% of enrollees chose a Medicare Advantage plan. With a $0 premium on most Medicare Advantage policies, there is no reason to ask why someone would choose this coverage.

If you’re looking for an “All-in-One” plan, Medicare Advantage is likely what comes to mind. It’s one enrollment, and it checks a lot of services off the list, such as dental, vision, hearing, gym memberships, and telehealth.

Although, checking the box doesn’t mean the coverage is what you need.

Most plans are either Health Maintenance Organizations or Preferred Provider Organizations.

A Medicare Advantage plan provides you with a maximum out of pocket; this is the most a beneficiary can pay in healthcare expenses during the calendar year.

The Medicare Advantage plan with the highest star rating is an Aetna PPO with 4.5 stars; while not available in every county, it’s an option that could benefit you!

You’ll want to understand the Medicare Advantage enrollment periods, this way you know the best time to enroll.

Alabama Part D Medicare Plans

Part D Plans in Alabama Just like your healthcare, a cheap Part D plan might not be the most suitable option. Now, if you don’t take any medications, go ahead and choose a policy solely because of premiums.

Although, if you don’t have any medications and think no coverage is saving you money, you’re dangerously wrong. When you delay Part D, you run the risk of racking up late enrollment penalties; nobody wants to deal with those!

Now, if it’s too late and you have a concern about your late enrollment penalty, and our agents can discuss your potential fees as well as coverage options.

In this day and age, few people have no prescriptions. If you’re a beneficiary with a laundry list of medications, you need an agent in your corner.

Our agents will collect your drug information and analyze potential coverage options to determine the best choice for you.

See, choosing the wrong drug plan could be the difference between paying 100% of costs or a small copayment.

Most Part D plans have a deductible, although, if all your drugs are generic, the deductible might not even apply to you.

FAQs

What is the best Medicare Supplement plan in Alabama?
The best Medicare Supplement policy for you is the one that is best for your health and budget needs. Alabama offers the same standardized Medigap plans available in most other states, so Plans F, G, and N are the most popular choices.
Do Alabama Medigap plans have networks?
Medigap plans don’t involve networks in any state. Any practitioner who accepts Medicare assignment will accept your coverage.
How do I apply for Medicare in Alabama?
The application process 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 Medicare in Alabama

Our agents can help you personalize coverage based on your budget and medical needs. Then, your agent will answer any questions about the policy while providing an overview of benefits and costs. If calling us right now isn't possible, fill out an online rate form and start the process for better coverage today.

Enter Zipcode

Enter your zip code to pull plan options available in your area.

Compare Plans

Select which Medicare plans you would like to compare in your area.

Get Quote

Compare rates side by side with plans & carriers available in your area.

Lindsay Malzone

Lindsay Malzone is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.

Comment

Your email address will not be published. Required fields are marked *