Learn About Medicare in Alabama
If you are 65 years of age or you will be turning 65 in the near future, you are eligible to receive Medicare in Alabama. The time to enroll in Alabama Medicare insurance is during your initial enrollment period. This period starts 90 days before you turn 65 years of age and ends three months after the month in which you turn 65 years old. If you fail to enroll during that time, you may be subject to the late enrollment penalty.
Original Medicare in Alabama Covers the Following Under Part A:
- Admissions to the hospital
- Admissions to skilled nursing care facilities
- Short-term care in a skilled nursing facility
- Expenses incurred in hospice care
- Expenses for home health care
Part B of Medicare in Alabama Covers the Following Services:
- Services designed for the prevention of illnesses
- Medicare-approved services that are used to diagnose or treat your medical conditions
Part B of Medicare in Alabama may also cover ambulance services, some prescription drugs, second opinion visits before a surgery takes place, mental health services, clinical research and Durable Medical Equipment or DME.
Although Medicare in Alabama covers several services, it doesn’t cover every expense that you may be charged. For example, you will be responsible for paying several costs, including the following:
Some services will not be paid by Medicare in Alabama, and they include the following:
- Hearing aids and the exams associated with them
- Routine foot care
- Most dental services
- Eye examinations for the purpose of prescribing eyeglasses
- Cosmetic surgery
- Custodial care
Enrollment Statistics on Original Medicare in Alabama
As of 2018, 621,614 Alabama beneficiaries were enrolled in Original Medicare Part A and Part B.
Types of Medicare Plans in Alabama
- Medicare Supplement plans are also known as “Medigap plans,” and they supplement the services that your Original Medicare insurance offers you. Medicare beneficiaries in Alabama are free to enroll in one of these plans as well as Original Medicare.
- Private insurance companies offer Medicare Advantage plans to beneficiaries in Alabama. If you choose to purchase a Medicare Advantage plan, you will receive your Part A and Part B benefits through this plan. For example, you will be able to choose a Medicare Savings Account Plan, a Special Needs Plan, a Private Fee-for-Service Plan, a Preferred Provider Organization plan or a Health Maintenance Organization plan.
- Medicare Prescription Drug Plans: Alabama Medicare Part D offers Alabama beneficiaries prescription drug benefits. You may obtain them with your Original Medicare insurance coverage, or you can get them by enrolling in a plan that offers those benefits.
- SSpecial Needs Plans are Medicare Advantage Plans, but they are limited to people diagnosed with a particular disease or those who possess certain characteristics. These plans are individually tailored to meet the needs of beneficiaries under the plan. Prescription drugs are covered under all of these Medicare plans in Alabama.
Are Thier Penalties for Late Enrollment in Medicare Plans in Alabama?
After you have enrolled in Medicare in Alabama, you may decide that it will be advantageous to you to enroll in a Medigap plan. Since these Medicare plans in Alabama come from a private insurance company, you may compare quotes to obtain the best rates. The point of asking for several companies to quote their best rates is so that you will be able to compare these rates in order to find the coverage that most fits your needs.
A beneficiary of Alabama Medicare needs to be aware that there is a Medicare Part D late enrollment penalty. If you are subject to this penalty, it will be added to your monthly premiums and will cause your coverage to be more expensive.
You will be charged the Medicare Part D late enrollment penalty if do not have one of the following Medicare plans in Alabama in place for at least 63 days after your initial enrollment period has ended:
- Prescription drug coverage that is creditable
- A Medigap plan that covers prescription drugs
- A Medicare Advantage plan with Medicare Part D
- A Medicare prescription drug plan or Medicare Part D
Alabama Medicare Resources
If you have questions about your Alabama Medicare benefits, click on the link below: