Seniors from Alabama who choose to enroll in a Medicare Advantage Plan have good options. Medicare Advantage is government approved private health insurance that you can purchase to replace your Original Medicare private-fee-for-service benefits.
Be aware that plans vary by where you live. It all comes down to the availability HMO and/or PPO healthcare provider networks available in the area.
Getting Enrolled in a Alabama Medicare Advantage Plan
Most Alabama seniors qualify to join a Medicare Advantage plan. If you have End-Stage Renal Disease (ESRD), you will likely need to stay on Original Medicare.
You can join or switch plans during a Medicare Election Period. The periord between 15 October and 7 December is the Annual Election Period (AEP). That’s when most folks make their changes to their Medicare.
There’s also an Individual Election Period (IEP) that you can use once. You IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
You have three different enrollment options. If you know the plan you want, you can call a plan directly. This makes enrollment quick and easy.
The second way is to go to www.Medicare.gov and enroll through the government website. The government website allows you to compare plans, find doctors, look up your medications, and start your application on-line.
The third and final opion is an independent health insurance agent. This is ideal when you want to meet with someone face-to-face to get sound advice. Find an agent who represents several insurance companies. This way you’ll have a range of good options.
Alabama Medicare Advantage Plans vs. Original Medicare with a Medicare Supplement
If you are concerned that a Medicare Advantage plan could be inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. You also have the option to hold on to your Original Medicare PFFS benefits and upgrade your coverage with Alabama Medicare Supplement Insurance and a Alabama Medicare Part D Plan (for help with your prescription drugs).
If you’re not familiar with Medigap policies, and how they protect you from medical care liability, please review our Alabama Medigap Plans page. All Medigap plans are standardized. That means you can chose the plan you need based on best price without worrying about the benefits.
About Our 2015 Alabama Medicare Advantage Plan Information
The healthcare insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We make every attempt to keep our databases up-to-date. In spite of this, we simply cannot ensure the exactness of the details. You must consult with a licensed insurance agent to get an exact quote for your situation.For additional, helpful information, visit CMS on the web at http://cms.gov. This page was last updated on 9/13/2015.