There are 24 insurers offering Medicare Supplement insurance in Alabama. Medicare plans help you pay the coverage gaps in Original Medicare (Part A and B) Commonly called Medigap plans, because they cover the gaps, you can choose the level of deductible, copayment and coinsurance coverage you want.
What You Must Know about Medicare Supplements in Alabama
If you’re not familiar with Alabama Medicare Supplement insurance, and how it protects you from massive doctor and hospital bills, read our Medicare Supplement information page. Although all policies are standardized, making them easy to compare, monthly premiums are not. Our goal is to give you a complete run down on all Alabama carriers, policies and benefits.
Medicare Supplements vs. Medicare Advantage
Medicare Supplements offer freedom of choice. This freedom comes at a price, and premiums are increasing. That’s why there’s Medicare Advantage. Alabama Medicare Advantage (MA) plans are private health insurance that replace the coverage provided by Original Medicare.
The advantage of these plans is cost and additional benefits. Most MA plans offer Medicare Part D coverage for your prescriptions, and some offer dental, vision and hearing benefits. The disadvantage is choice, because you may be restricted to using healthcare providers in a plan’s network.
The important thing to know about every Medicare Advantage plan is that they limit your Maximum Out-of-Pocket (MOOP) expense to a maximum of $6,700 per year. That makes them worth comparing to Medicare Supplements. We have the complete catalog of 2016 Medicare Advantage Plans available in Alabama.
Alabama Medicare Part D Plans (Rx)
Don’t forget that Original Medicare and a Alabama Medicare Supplement do not cover prescriptions. For this you need a Medicare Part D plan (PDP). We offer the complete catalog of 2016 Medicare Part D Plans in Alabama.
Medicare Supplement Eligability
You can apply for a Alabama Medicare Supplement if you are:
- A Alabama resident,
- Enrolled in both Medicare Part A and Part B, and
- You are 65 years old or older.
Supplemental plans are available in the following counties: Saint Clair, Jefferson, Shelby, Tallapoosa, Blount, Talladega, Marshall, Cullman, Bibb, Walker, Chilton, Coosa, Clay, Tuscaloosa, Hale, Pickens, Greene, Sumter, Winston, Fayette, Marion, Lamar, Franklin, Morgan, Lauderdale, Limestone, Colbert, Lawrence, Jackson, Madison, Etowah, Cherokee, De Kalb, Autauga, Pike, Crenshaw, Montgomery, Butler, Barbour, Elmore, Bullock, Macon, Lowndes, Covington, Calhoun, Cleburne, Randolph, Houston, Henry, Dale, Geneva, Coffee, Conecuh, Monroe, Escambia, Wilcox, Clarke, Mobile, Baldwin, Washington, Dallas, Marengo, Perry, Lee, Russell, Chambers, Choctaw, and most rural areas of Alabama.
Rates shown are samples from within Alabama for comparison purposes only. This page was last updated on 10/9/2015.