You have more health insurance options in 2016 than ever before. Alabama Medicare Advantage (MA) plans are one of those options. It's government approved private health insurance that replaces your Original Medicare private-fee-for-service benefits.
Plans vary from county to county. Availability depends on healthcare networks in your area that are necessary to support HMO and/or PPO managed care. Click on your county to get started.
How-To Enroll in Medicare Advantage
Most people living in Alabama, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
You are only allowed to join, drop or change plans during a Medicare Election Period. The period between 15 October and 7 December is the Annual Election Period (AEP). That's when most folks make changes to their Medicare.
You also have an Individual Election Period (IEP). Your IEP begins the month before your 65th birthday, includes your birth month, and continues the month after your birth month.
There are three ways to enroll:
- 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 insurance agent. This is the best way to go if you need someone to help advise you.
Medicare Advantage vs. Original Medicare with a Supplement
If you are concerned that Medicare Advantage could be inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. Alabama Medicare Supplemental Insurance and a Alabama Medicare Part D Plan (for prescriptions) work hand-in-hand with your Original Medicare to give you the best coverage possible.
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 2016 Medicare Part C Information
We collect Medicare health insurance information from public files on the 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 information go to the CMS website at: https://cms.gov. This page is maintained by David Bynon and was last updated on .