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Medicare Supplement Plans in Alabama

Medicare Supplement plans in Alabama fill these coverage gaps. Medigap policies help pay for out-of-pocket costs such as Medicare Part A deductible, coinsurance, and copayments. With Medigap insurance, Alabama seniors have protection from extensive and costly medical expenses.

Original Medicare (Medicare Part A and Medicare Part B) doesn’t pay 100% of your medical expenses.

You’ll have out-of-pocket costs to pay.

Those costs include:

  • Part A deductible
  • Part B coinsurance
  • Copays

Medicare Supplement insurance is a way to lower your cost-share.

Find Plans in Your Area
 

Medicare Supplement Plan F

  • Medicare Plan F covers all out-of-pocket expenses
  • Medicare eligibility must start before Jan. 1, 2020

Medicare Supplement Plan G

  • Medicare Plan G covers everything except Part B deductible
  • Most comprehensive for those whose Medicare start date is after Jan. 1, 2020
  • Less expensive compared to Medicare Plan F for those who can choose either plan

Medicare Supplement Plan N

  • Medicare Plan N offers lower premiums in return for higher cost-share
  • Has up to $20 office visit and $50 emergency room visit copay (ER copayment waived if admitted)
  • Still good coverage

High Deductible Plan F

  • Same comprehensive benefits as Plan F
  • Annual deductible of $2,490
  • Not available to those entering Medicare after Jan. 1, 2020

High Deductible Plan G

  • Same benefits as Medicare Plan G
  • Annual deductible of $2,490
  • Significantly cheaper than Medicare Plan G
  • Considerably cheaper than high deductible Plan F yet covers everything in high deductible F except for the Part B deductible

Here’s what you need to know about Medicare Supplement insurance:

  • Sold through private health insurance companies
  • Plan options include 10 standardized plans.
  • All plans offer basic benefits, but some plans offer more.
  • No plan covers the Medicare Part B deductible for seniors whose Medicare effective date starts Jan. 1, 2020.
  • Eligibility hinges on being enrolled in Medicare Part A and Part B.
  • Only works with Original Medicare, not Medicare Advantage
  • Guaranteed renewable as long as you pay your Part B premium

Medicare Supplement Insurance cost in Alabama

Benefits for Medicare Supplement insurance plans in Alabama are standardized, but the monthly premiums are not. This is because the private insurance companies selling Medigap policies use different pricing methods to set their monthly premiums.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan F$269 ($135-$403)
Plan G$139 ($113-$151)
Plan N$107 ($95-$117)

When can I apply for a Medicare Supplement plan?

Enrollment windows for Medicare Supplement insurance plans are limited. While prescription drug plans and Medicare Advantage insurance plans have an annual election period when you can change your insurance policy, Alabama Medigap insurance does not. Following are the times when you can join a Medigap plan in Alabama and be assured of coverage.

Aging into Medicare

The best time to apply is when you’re first eligible for Medicare coverage. This is known as your Medigap open enrollment period. Here’s what you need to know:

  • Open enrollment is a one-time opportunity and cannot be repeated.
  • It starts the month you have Medicare Part B coverage and are 65 or older.
  • You have guaranteed issue rights, which means the Medicare insurance company cannot deny you coverage, even if you have pre-existing conditions.
  • If you’re under age 65 and receiving Social Security benefits due to a disability, you have a Medigap open enrollment period when you turn 65.

Special Enrollment Periods

There are a few other times when Alabama seniors have guaranteed issue rights:

  • You retire from or lose group coverage
  • You lose a Medicare Advantage plan
  • You have a Medicare SELECT insurance policy and switch to a Medigap policy within 12 months

Outside of These Enrollment Periods

You have the option at any time to change policies or apply to join a plan for the first time. However, you’re not protected by guaranteed issue rights if you’re outside your open enrollment period and don’t qualify for special enrollment. The insurer can charge more based on pre-existing conditions, require underwriting, or deny coverage altogether.

Because Alabama seniors typically keep their Medigap policy for life, it’s critical to make the right choice. Our licensed insurance agents can help you compare plans and rates to ensure that you’re getting the coverage you need, now and in the future.

FAQ:

When can I change Medigap plans?

Medigap insurance doesn’t have an annual election period where you can change plans without being subject to underwriting. Typically, Alabama seniors keep their Medigap policy forever. That’s why it’s essential that you carefully compare plans during open enrollment.

Can I be denied Medigap coverage?

Yes, the insurer can deny coverage if you apply outside of your open enrollment period and don’t qualify for special enrollment.

Related Topics

Ready to learn more?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as AetnaCignaMutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Alabama State Links

Key Take Aways
  • Medigap policies help pay for out-of-pocket costs such as Medicare Part A deductible, coinsurance, and copayments. With Medigap insurance, Alabama seniors have protection from extensive and costly medical expenses.
  • There are 10 Medicare Supplement Plans in Alabama to choose from.
  • In Alabama, Medicare Supplement Plan G is the most popular plan for 2022.