Alabama has Standardized Medigap Policies
Alabama Medigap 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 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.
All Alabama Medigap policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance 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 Medigap policies:
- 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 your state's Department of Insurance website at http://www.aldoi.gov/.
Medigap Does Not Cover Prescriptions
Medigap does not cover your prescriptions. By law, Medicare Supplement insurance must be in lock-step with Original Medicare. So, if Medicare does not cover it, a supplement policy can't cover it.
Here's the complete list of Medicare Prescription Drug Plans available in Alabama.
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)