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Medicare Supplement Plans in Alabama

When comparing for Medicare Supplement plans in Alabama, you will have your choice of up to 10 plans. These plans are standardized by the federal government, so they each offer the same benefits regardless of your chosen insurance carrier. Once you’re enrolled in Medicare Part A and Part B, you qualify for a Medicare Supplemental plan.

Medicare Supplement plans are designed to cover your out-of-pocket expenses after Medicare parts A and B are exhausted. Each authorized insurance company can choose which Medigap policies they want to offer, and they compete mainly through prices. This guide is designed to provide fast answers to the most frequently asked questions about Medicare Supplement plans in Alabama.

Medicare Supplement Plans in Alabama: Enrollment Statistics

  • The five largest counties in Alabama include Jefferson County, Mobile County, Madison County, Montgomery County and Shelby County.
  • There are more than 950,000 Medicare beneficiaries in Alabama. As of 2015, nearly 200,000 of those recipients were enrolled in Medicare Part A and Part B plus a Medicare Supplement plan.
  • More than 75 percent of Alabama residents now meet the age requirements to qualify for Medicare. Another 23 percent may qualify due to disability.
  • More than 30 percent of Alabama Medicare recipients had no chronic medical conditions as of 2007. Heart disease, arthritis, and diabetes were the most prominent chronic conditions suffered by Medicare recipients in this state.

How Are Rates Calculated for Medicare Supplement Plans in Alabama?

The Medigap rate that you are quoted from an insurance company serving Alabama will depend on a variety of personal factors, including:

  • Age
  • Gender
  • Zip code
  • Tobacco use
  • Mode of payment

Attained Age

Most insurance companies offering a Medicare Supplement plan in Alabama use the age-attained system for setting rates. This means that your rate will increase as you age. When you reach an age where your rate is set to increase, you can compare Medicare Supplement plan rates from multiple insurance carriers to ensure that you receive the best possible premium at all times.

Community Age Rated

Companies offering Medicare Supplement plans in Alabama may also use a community rating, which means that all subscribers to a specific Medicare Supplement plan receive the same rate regardless of age.

Issue Age

Issue or entry-age rating means that your rate is determined by your age at the time of your initial enrollment. The earlier you enroll, the lower your premium. These two policy types aren’t available from many insurance companies serving Alabama.

Available  Medicare Supplement Plans in Alabama?

There are 10 Medigap plan options that Alabama beneficiaries may consider, but most insurance companies will offer only some of these options. Each plan is standardized by the federal government, so you will receive the same benefits for your chosen plan type regardless of which insurance company you choose. This is why comparing Medigap plan rates is so important.

How Do Medicare Supplement Plans Cover Drugs?

Medigap plans are designed to cover the out-of-pocket expenses that are left from your Original Medicare coverage, so they don’t include prescription coverage. You should enroll in Medicare Part D to select a Medicare prescription drug plan. This plan will come with its own premium that you will pay in addition to your Medigap plan premium.

Medicare Supplement Plans in Alabama: When Can I enroll?

The best time to enroll in Medicare Supplement plan in Alabama is during your initial enrollment period. This is what you need to know about the Medigap open enrollment period:

  • Your initial open enrollment period opens the month of your 65th birthday.
  • This open enrollment period lasts for six months.
  • Pre-existing conditions don’t apply as long as you enroll in your Medigap plan during this period. This is your opportunity to save money if you have a chronic condition that may increase your rate outside of this enrollment period.
  • Insurance companies are legally required to accept your application for any Medigap plan during this initial period.
  • As long as your premium is always paid on time, your insurance company cannot cancel your policy.
  • You can compare Medicare Supplement plans before your enrollment period opens, ensuring that you receive the best rate possible when it is time to enroll.

There are some qualifying events that may allow you to receive the same enrollment terms after your initial enrollment period has passed. You may also apply for Medigap policies at any time if you’re willing to have your medical history factored into your rate. Most Alabama beneficiaries receive the lowest premiums by enrolling within this period.

Can I Use My Alabama Medicare Supplement Plan In Other States?

The short answer is yes. You enroll in your Medicare Supplement plan in Alabama, but that doesn’t limit you to medical providers within that state. As a beneficiary enrolled in Medicare Part A and Part B plus a Medigap plan, you’re free to choose your doctors even if that means traveling to another city, county or state to receive care. The only limitation is that you must select doctors currently accepting Original Medicare.

If you move to a new state, you need to report that to your insurance company. Since your state of residence impacts your rate, your premium may change once you move.

Alabama Medicare Resources