Medicare Supplements Available in Alabama AL Medigap Plans
On this page we help consumers: Compare 2020 Medigap Plans available in Alabama. See premiums and reviews, including Plan F, G, and N. Find the best Medicare Supplements in AL at the lowest cost available.
Alabama Medigap Plans: What's the Difference?
Most Alabama seniors agree: Original Medicare, combined with Medicare Supplement, offers the very best health coverage seniors can get. But, which Medicare Supplement is right for you?
The answer to that question is complex. What's best for you is very different than what's best for your spouse or your neighbor. It all comes down to your finances (what you can afford) and your health (how much risk you can take). At MedicareWire, we believe most seniors can narrow their search to three plans: F, G and N. Read on and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $126.37 | $109.62 | $84.97 |  |
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| Aetna | $165.83 | $150.24 | $119.33 | |
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| American Republic | $155.53 | N/A | N/A | |
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| American Retirement Life | $165.19 | $125.92 | $94.57 |  |
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| Americo Life | $132.61 | $107.49 | $90.24 | |
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| Assured Life | $199.83 | $156.81 | $82.42 | |
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| Bankers Fidelity | $127.36 | $105.39 | N/A | |
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| Central States | $140.50 | $110.67 | $87.42 | |
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| Cigna | $125.48 | $104.32 | $88.61 |  |
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| Colonial Penn | $171.64 | $154.43 | $97.05 | |
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| Combined Insurance | $148.57 | $115.32 | $119.01 | |
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| Equitable Life | $154.58 | $120.17 | $97.83 | |
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| Everest | $129.26 | $99.98 | $85.88 | |
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| Gerber Life | $214.29 | $173.21 | N/A | |
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| Globe Life | $147.00 | $131.00 | $111.00 | |
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| GPM Health and Life | $156.32 | $119.64 | $95.37 | |
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| Heartland National | $137.50 | $117.98 | $93.69 | |
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| Humana | $178.16 | N/A | $108.17 | |
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| IAC | $148.31 | $110.07 | $93.05 | |
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| Medico | $172.69 | N/A | $115.76 | |
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| Mutual of Omaha | $134.27 | $111.01 | $94.47 | |
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| New Era Life | $128.93 | $104.36 | N/A | |
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| Pan-American Life | $138.19 | $108.53 | $88.62 | |
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| Pekin Insurance | $122.21 | $101.06 | $84.16 |  |
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| Renaissance Life | $134.48 | $111.61 | $90.77 | |
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| State Farm | $138.21 | N/A | N/A | |
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| State Mutual Insurance | $123.71 | $98.20 | $86.52 | |
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| S.USA Life Insurance | $124.16 | $106.46 | N/A | |
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| Thrivent | $124.73 | $98.50 | $83.20 | |
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| Transamerica | $141.10 | $108.50 | $85.95 | |
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| United American | $195.00 | $168.00 | $131.00 | |
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| United Commercial Travelers | $209.40 | $171.26 | $143.85 | |
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| AARP | $127.21 | $107.74 | $85.02 | |
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| USAA Life | $146.20 | N/A | $101.32 | |
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| Western United Life | $133.75 | $104.08 | $88.08 | |
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Compare Plan RatesThe average Alabama senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Alabama
Looking for the best Plan F, G or N available to Alabama seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in Alabama
Medicare Supplement Plan F is the most popular Medigap plan available in Alabama. Here are the 10 best Plan F policies available in Alabama based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Pekin Insurance | $122.21 | $25.00 | |
| Thrivent | $124.73 | $25.00 | |
| AARP | $127.21 | None | |
| State Mutual Insurance | $123.71 | $25.00 | |
| Cigna | $125.48 | None | |
| Mutual of Omaha | $134.27 | None | |
| Globe Life | $147.00 | None | |
| United American | $195.00 | None | |
| Aetna | $126.37 | $20.00 | |
| Bankers Fidelity | $127.36 | $25.00 | |
10 Best Medigap Plan G Policies in Alabama
Medicare Supplement Plan G is rapidly gaining popularity among Alabama seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Alabama based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $98.50 | $25.00 | |
| Pekin Insurance | $101.06 | $25.00 | |
| AARP | $107.74 | None | |
| State Mutual Insurance | $98.20 | $25.00 | |
| Cigna | $104.32 | None | |
| Mutual of Omaha | $111.01 | None | |
| Globe Life | $131.00 | None | |
| United American | $168.00 | None | |
| Everest | $99.98 | $25.00 | |
| Western United Life | $104.08 | $25.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in Alabama
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Alabama seniors. Here are the 10 best Medigap Plan N policies available in Alabama based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Thrivent | $83.20 | $25.00 | |
| Pekin Insurance | $84.16 | $25.00 | |
| AARP | $85.02 | None | |
| State Mutual Insurance | $86.52 | $25.00 | |
| Cigna | $88.61 | None | |
| Mutual of Omaha | $94.47 | None | |
| Globe Life | $111.00 | None | |
| United American | $131.00 | None | |
| Aetna | $84.97 | $20.00 | |
| Everest | $85.88 | $25.00 | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplement Plan Reviews
We review all major Medigap insurance carriers selling Medigap policies in Alabama. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.
Our analysis of Medicare Supplement Plans in Alabama are based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Med Supp Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Alabama. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
The Alabama Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medicare Plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although Alabama state laws might affect which ones they can offer. Carriers offering Medicare Plans:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Alabama Department of Insurance website at http://www.aldoi.gov/.
Medicare Supplement Plan F: Is it the Best Plan in Alabama?
Even though Medicare Plan F is the most costly, it is the overwhelming favorite. More than 50 percent of all seniors with a Medigap policy in Alabama choose Plan F. The reason is simple. It offers complete gap coverage.
IMPORTANT: If you want the gap protection of Medicare Supplement Plan F, you must get enrolled before January 2020. Congress voted to abolish Plan F. Starting January 2020 carrier are no longer able to sell these polices.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is the AARP Medicare Supplement the Best in Alabama?
This is one of the most common questions we're asked. AARP Medicare Supplements, which are underwritten by United Healthcare, offer the exact same coverage as standardized plans offered by other Medigap insurance carriers. The big difference is the monthly premium.
In our experience, AARP Medigap Plans are typically more expensive than average, and is often the most expensive. However, United Healthcare has a large number of hospitals under contract, allowing them to offer Medicare SELECT policies at better rates than standard Medicare Supplements. This allows them to be very competitive on rates if you agree to use a specific hospital.
The most popular AARP Medicare Supplements are Plan F, Plan G and Plan N. The comparison chart below highlights the difference in coverage.
Medigap Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Med Supp vs Medicare Advantage
Considering a Medicare Advantage plan as a lower cost alternative to Medicare Plan F? For many Alabama seniors, Medigap vs Medicare Advantage is a tough choice. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Alabama. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Alabama Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Alabama SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-AGE-LINE (1-800-243-5463)
- http://www.alabamaageline.gov/
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Alabama. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .