Compare the Best Medigap Plans in Alabama for 2025
Many of the plans featured here are available through our partner, HealthCompare, who may compensate us when you enroll in a plan. This does not influence our evaluations. Our opinions are our own, based on our independent research. Learn more about how we make money.
If you’re a Alabama resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Alabama. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Alabama that fits both your financial and healthcare needs has never been easier.
This page provides an overview of the leading Alabama Medicare Supplement plans and insurance companies available in 2025.
Top 3 Best Medigap Plans in Alabama for Full Coverage Options
Medigap Plans F, G, and N are consistently the most popular options for Medicare enrollees in Alabama. These Medicare Supplement plans offer varying levels of coverage to help reduce out-of-pocket healthcare costs. If you're interested in maximum coverage, Plan F is an excellent choice, while Plan G offers robust coverage with lower premiums. For those seeking a cost-effective solution, compare Plan N vs. Plan G.
Below, you’ll learn what what makes them the most popular plans, including benefits and top providers in Alabama.
Medigap Plan F in Alabama
Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.
Required Benefits of Plan F in Alabama
Medigap Plan G in Alabama
Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.
Required Benefits of Plan G in Alabama
Medigap Plan N in Alabama
For those seeking a more affordable option, Plan N delivers strong coverage with lower monthly premiums. Though it does require small copayments for certain visits, it remains a popular choice for those looking to balance coverage and costs, but it does not cover excess charges. Explore the key facts about Plan N.
Required Benefits of Plan N in Alabama
Average Costs for Medigap Plans in Alabama
Plan premiums in Alabama can fluctuate depending on several factors, such as the plan you choose, your age, gender, and tobacco usage. Below is a breakdown of the average monthly premiums for the most popular supplemental plans in Alabama:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Key Factors Influencing Medigap Costs in Alabama
Several factors play a role in determining the cost of Medicare Supplements in Alabama. These include:
- Age: As you get older, your premiums may rise.
- Gender: Premium rates can vary by gender, with women often paying slightly less.
- Tobacco Use: If you use tobacco, expect to pay higher premiums.
- Location: Your location within Alabama can also influence your premium, as costs differ by region.
If you're looking to reduce your Medigap out-of-pocket costs, discover tips on how to find the best Medigap plan at the best price.
Compare rates from top carriers without the hassle of sales calls or spam. Our goal is to help you make an informed decision with unbiased, comprehensive information.
Get Your Free Medicare Supplement Rate Comparison
We're retired seniors, not insurance agents, and our goal is to empower you with the information you need, without any pressure. No Calls. No Email Spam. No Kidding!
Compare All Medicare Supplement Plans in Alabama
If you want to see how all Medicare Supplement Insurance plans sold in Alabama stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Alabama and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Alabama
When it comes to enrolling in a Medigap plan in Alabama, timing is crucial. Certain enrollment periods determine when you're eligible to sign up, and the timing of your enrollment can impact your coverage and costs. Below, we outline the key enrollment periods you need to know:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window begins three months before your 65th birthday, includes your birthday month, and extends three months after. During this time, you can sign up for any Medigap plan without worrying about pre-existing conditions. Learn more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): Your six-month Medigap open enrollment period starts when you turn 65 and are enrolled in Medicare Part B. This period allows you to choose any Medigap plan without needing to go through medical underwriting. Find out more about the Medigap Open Enrollment Period or read key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Life changes, like losing employer coverage, might qualify you for a Special Enrollment Period, letting you enroll in a Medigap plan outside of the typical timeframes. Learn more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Ready to sign up for Medicare Supplement coverage in Alabama? Here's how to do it:
- Review Your Options: Compare the available Medigap plans in Alabama to find the right match for your healthcare needs and budget.
- Check Enrollment Dates: Ensure that you’re in the right enrollment period, whether it’s your Initial Enrollment Period, Open Enrollment Period, or a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurer or broker to apply for your preferred Medigap plan.
- Confirm Your Enrollment: Once approved, confirm your enrollment and make sure you understand your coverage.
For more guidance on enrolling in Medigap, visit our Medigap Enrollment Guide.
FAQs about Medigap Plans in Alabama
How is Medigap different from Medicare Advantage?
Medigap works alongside Original Medicare to cover gaps in coverage, while a Medicare Advantage plan is an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans later?
Yes, you can switch plans, but medical underwriting may apply unless you qualify for guaranteed issue rights. Learn more about changing Medigap plans.
Does Medigap include prescription drug coverage?
No, Medigap plans don’t cover prescription drugs. You’ll need a separate prescription drug plan, called Medicare Part D for that.
What additional costs will I have with Medigap?
Beyond the monthly premium, you may face deductibles, copayments, and coinsurance, depending on your plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023