Medicare Advantage Plans by Alabama County
Hello Alabama seniors! On this page you will find a complete list of Medicare Advantage Plans for Alabama beneficiaries, organized by county. Not familiar with Medicare Advantage? No problem, it’s easy. An Advantage Plan replaces your Original Medicare with a traditional HMO or PPO health plan that offers you more coverage.
Locate and click on your Alabama county to compare plans. Not all counties have the same plans available, and some rural counties may not offer Medicare Advantage. It’s all based on the adequate availability of healthcare provider networks.
Find a Alabama Medicare Insurance Agent!
We maintain an exclusive list of Medicare insurance agents and agencies licensed to sell Medicare Advantage plans in Alabama. Click Here to see your agents. You can request confidential quotes online to compare rates.
Supplement Plans vs. Advantage HMO or PPO: Full Coverage Health Plan Options in Alabama
A Medicare Advantage plan is one option for full coverage health insurance, but you have a second option that works with your Original Medicare. You can keep your Part A and Part B coverage and supplement it with a Medigap policy and a Medicare Part D Prescription Drug Plan. If you’re not familiar with Medigap policies in Alabama, and how they pay your deductibles, co-insurances and co-pays, read our Medicare Supplement page. All Medigap plans available in Alabama are standardized. That means a Plan F, as an example, has the same benefits from every company that sells it. The only difference is the monthly premium
When and How to Enroll in a Alabama Medicare Advantage Plan
Medicare Advantage open enrollment for Alabama beneficiaries, called the Annual Enrollment Period (AEP), happens every year starting on the 1st of October. AEP ends on the 7th of December, and your new plan election starts on the 1st of January. If you are new to Medicare, you are given a one-time Initial Enrollment Period (IEP). For most folks, their IEP happens then they reach age 65. In rare cases, Medicare will grant a special enrollment period. If you miss your IEP or the AEP, you’ll have to wait until the next AEP to enroll, so mark your calendar.
If you are ready to enroll in an Alabama MA plan, but you’re not sure how, relax, because it’s easy. To get started you’ll need a Medicare insurance agent. Your agent is licensed in your state to sell health and life insurance products. Plus, they are experts on the latest plans available, and they are required by law to follow strict selling and marketing guidelines. It’s all for your protection. If you prefer, you can purchase plans directly through Medicare.gov, as well. Click here to get started.
Alabama Medicare Advantage Plans vs. Obamacare
Do you have questions about how Obamacare affects MA plans in 2014? Trust me, you’re not alone. Quite a few Alabama seniors are confused. What you really need to know is that the new healthcare law does not affect Medicare Advantage plans in so far as the consumer is concerned. The carriers have a few more regulations, but nothing that will affect your plan and plan choices in 2014.
You might also be interested to know that your Alabama Health Insurance Exchange (where Obamacare plans are sold) will not assist people with Medicare benefits. In other words, you can’t trade your Medicare or purchase additional health insurance on the state health insurance exchange (HIX). If you call the Alabama HIX hotline, they will simply redirect you to Medicare.gov. If you qualify for Extra Help, due to your income status, go to your local Social Security Administration office. Learn more about the healthcare law at www.HealthCare.gov.
About Our Alabama Medicare Advantage (Part C) Information
MedicareWire.com receives Medicare health insurance information from public files on the U.S. Centers for Medicare and Medicaid Services (CMS) website. Although we do our best to regularly update our databases, we are not able to ensure the exactness of the information. You must use a licensed insurance agent to get an accurate and binding quote. For additional helpful information visit CMS on the web at http://cms.gov.