Medicare Supplement Plans in Alabama
Which Alabama Medicare Supplement is Best for Me?
When talking about traditional Medicare and additional coverage with Medicare supplement plans, Alabama seniors agree, its the best coverage you can get. It all comes down to choice and control. But, which plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G, and N. Read on to learn why.
Related: What is the Average Cost of Supplemental Insurance for Medicare?
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
Looking for a different plan? Compare all Medicare supplement plans here. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier.
Alabama Medicare Supplement Plan F Comparison Chart
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):
Alabama Medicare Supplement Plan G Comparison Chart
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):
Alabama Medicare Supplement Plan N Comparison Chart
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):
Best Alabama Medigap Plan Reviews
We review all major Medigap insurance carriers selling 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 is 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.
How Much do Alabama Medigap Plans Cost?
We list sample monthly premiums for all Medigap Plans in Alabama. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex and use of tobacco products. Call 1-855-266-4865 to get quoteCall 1-855-266-4865 to speak with an agent and get a quote.
Alabama Medigap Plans are Standardized
Alabama Medicare Supplement insurance carriers are required to adhere to state and federal laws that are designed to protect consumers. Medigap plans must be clearly identified as Medicare Supplement Insurance. Each standardized Medicare Plan is identified by letters A through N and must offer the same identical benefits as all other plans with the same letter. The only variance is the monthly premium.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in Alabama offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the Alabama Department of Insurance website at http://www.aldoi.gov/.
Alabama Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
| 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.
Top Questions About Medicare Supplement Plans in Alabama
We get a lot of great questions regarding Medigap plans in Alabama. Here are the most common questions we answer.
It's different for everyone who applies. Monthly premiums on Alabama Medigap plans are based on your age, gender, zip code, the plan you choose, and more. Use our free quote service to find the best rate on your plan.
You have many options in Alabama. Here are some of the best:
- Thrivent
- Pekin Insurance
- AARP
- State Mutual Insurance
- Cigna
Your Individual Enrollment Period (IEP) is the ideal time to get a Medicare Supplement. Your IEP starts on your Medicare Part B effective date and ends six months later. So, if your Part B coverage begins June 1st, your IEP goes from June 1st to November 30th. these Alabama carriers can help you get enrolled.
Still have questions about Medicare Supplement Insurance in Alabama?
Try one of these topics:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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 .
