Looking for the top Medicare Advantage plans in Alabama for 2020? Fantastic, but you'll need to take just one more small step. Medicare Advantage plans are different in each County, so you'll need to go to the area where you live (below). Here's why.
Unlike Medicare Part D prescription drug plans, which are a statewide option, Medicare Advantage Plans vary by county. The reason for this is simple. Not all areas have the same healthcare resources or needs, so county-by-county plans work better. Click on your County to get started.
Getting Enrolled in a 2020 Medicare Advantage Plan
Most Alabama seniors qualify to join a Medicare Advantage plan. Certain diseases, most notably End-Stage Renal Disease (ESRD), may disqualify you from enrollment.
You can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent Alabama insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. Medicare Advantage
If you are worried that an HMO or PPO plan will try to limit your care, Medicare Advantage is not the only way to get full coverage. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Alabama Medicare Part D Plan (prescriptions) and Alabama Medicare Supplement Insurance.
If you are not aware of the benefits of a Medicare Supplement, and how it pays the big medical bills from an extended illness or hospital stay, visit our Alabama Medigap Plans page. All Medicare Supplements are standardized and regulated. That means you can go with the lowest cost policy and get all of the same benefits.
About Our 2020 MA and MAPD Information
The health insurance information provided on MedicareWire.com is derived from data files published by the U.S. Centers for Medicare and Medicaid Services (CMS). We update our databases quarterly. However, we are unable to verify the correctness of the data received. You must consult with a licensed insurance agent to get an exact quote for your situation.
This Medicare Advantage plan information is maintained by David Bynon and was last updated on .