Medicare Supplement Plans in Alabama
On this page we help consumers: Compare 2020 Medicare Supplement plans in AL. See premiums, fees, and reviews on all Alabama Medigap plans, including Plan F, G, and N.
Alabama Medigap Plans: What's the Difference?
Most seniors agree: Original Medicare, combined with Alabama Medigap Plan, 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 | |
|---|---|---|---|---|---|
| AARP | $127.21 | $107.74 | $85.02 |  |
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| 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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| S.USA Life Insurance | $124.16 | $106.46 | N/A | |
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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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| 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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| 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
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):
| 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 | |
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):
| 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. | |||
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):
| 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. | |||
Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement companies servicing policies in Alabama. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in Alabama head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.
How Much do Supplemental Medicare Plans Cost in Alabama?
To get an accurate rate on Medicare Supplement plans, Alabama agents will ask for your address, age, sex, and use of tobacco products. The rates we list are samples based on a 65-year-old, non-smoking woman, and include applicable household discounts. Use our rates for comparison purposes only. Call 1-855-266-4865 to get quote.
Medigap Plans in Alabama are Standardized
All Medicare Supplement insurance carriers in Alabama are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
All Alabama Medicare supplement 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 Medicare supplemental insurance:
- 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/.
Plan F: Is it the Best Medigap 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 carriers are no longer able to sell these policies.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
What About the AARP Medicare Supplement: Is it the Best Alabama Medigap Plan?
Best is a relative term. To be sure, AARP sells more Medicare Supplements than any other insurance agency. That said, AARP Medigap Plans, underwritten by United Healthcare, have the same benefits and features as all other standardized supplements. The real difference is the monthly premium, how often rates increase, and the financial stability of the insurance carrier.
In our experience, AARP Medicare Supplement premiums are frequently more than competing carriers in the same area. However, in many areas, UHC has a competitive advantage with their Medicare SELECT plans. Ask your agent about Medicare SELECT options in your area.
AARP sells a range of Medicare supplements, however, Plan F, Plan G, and Plan N are the most popular. You can quickly see the coverage differences between these plans using the comparison chart below.
Alabama Med Supp Plan Comparison Chart
The following table shows, at-a-glance, the coverage you get with each of the standardized Medicare plans.
| 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.
Medigap vs. a Alabama Medicare Advantage Plan
Still wondering if a Medigap plan is right for you? Considering Medicare Advantage as an alternative? For many seniors it's a difficult decision. 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 .