Speak with a licensed agent: 1-888-414-4547
Find Affordable Medigap Plans in Alabama

Best Medicare Supplement Plans in Alabama 2021

Medicare Supplement plans in Alabama provide additional health care insurance that helps seniors pay medical expenses Medicare doesn’t cover. To be eligible for a Medicare Supplement insurance plan in 2021, also called Medigap policies, you must be age 65 and enrolled in Medicare Part B. Here’s what you need to know about Medicare Supplement plans in Alabama.

Common Alabama Medicare Supplement Plan Questions:

What is Medicare Supplement Insurance in Alabama?

For Medigap insurance to make sense, you must understand the federal Medicare program. You can receive Medicare benefits through Social Security in two ways:

  • Medicare Advantage
  • Original Medicare

Original Medicare has two parts:

  • Medicare Part A (inpatient)
  • Medicare Part B (outpatient/doctor)

Original Medicare does not cover 100% of your medical expenses. You will have to pay some out-of-pocket costs. Here are a few out-of-pocket costs that supplement insurance plans cover:

  • Medicare Part A deductible
  • Copayments
  • Part B excess charges
  • Additional days in the hospital
  • Coinsurance

What Medigap plans in Alabama don’t cover:

  • Vision
  • Dental
  • Hearing
  • Prescription drugs

To get prescription drug coverage, you must buy a Part D prescription drug plan from a Medicare insurance company. Our licensed insurance agents can help you find a Medicare Part D plan that covers your prescriptions.

Private insurance companies sell Medicare Supplement plans in Alabama. The effective date for most Medigap policies is 30 days after you enroll.

What are the top 5 Medicare supplement plans in Alabama?

Alabama offers 10 plans for seniors to choose from to supplement their Medicare coverage. All offer the same basic benefits, but they differ on how much they pay. Here are the top five.

1. Best for full coverage: Plan F

  • Most comprehensive — covers all Part A and Part B expenses
  • Most expensive
  • Medicare eligibility must start before Jan. 1, 2020

2. Best comprehensive coverage: Plan G

  • Most comprehensive for those whose Medicare coverage starts after Jan. 1, 2020
  • Pays everything Plan F does except for Medicare Part B deductible
  • Lower monthly premium compared to Plan F for those who have the option to choose either

3. Best Value: Plan N

  • Comprehensive coverage
  • Lower monthly premium in return for adding copayments
  • Office copay up to $20
  • Emergency room visit copay up to $50 (waived if admitted)

4. High Deductible Plan F

  • Same comprehensive benefits as Plan F
  • Requires annual deductible
  • Significantly cheaper than Plan F
  • In 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

5. Best budget: High Deductible Plan G

  • Same benefits as Plan G
  • Requires annual deductible
  • Significantly cheaper than Plan G
  • In 2021, the deductible is $2,370. Once you satisfy this deductible, the plan will cover 100% of the costs.

What Companies Sell Medigap Plans in Alabama?

More than 40 private health insurance companies sell Medigap insurance in Alabama. These three companies get high marks for their coverage:

  • Cigna: Best overall value (wide availability, offers discounts)
  • Aetna: Best cost-effectiveness (broad coverage, low premiums)
  • Mutual of Omaha: Best for claims efficiency (pays 98% of claims within 12 hours)

What's the average cost for a Medicare Supplement plan in Alabama for 2021?

The cost for a Medigap plan in Alabama depends on where you live and which plan you choose. Here are sample rates for a 65-year-old nonsmoking female living in Birmingham zip code 35222.

Plan F: $161.49 (range $142.81-$180.16)
Plan G: $127.70 (range $119-$136.39)
Plan N: $105.29 (range $93.39-$117.19)
Plan B: $128.38 (range ($125.05-$131.70)

Average cost: $130.72

When can I apply for an Alabama Medicare Supplement Plan?

Medicare Supplement insurance plans do not have an annual enrollment period like Medicare Advantage and Medicare Part D plans. The best time to enroll is when you’re first eligible — your Medigap Open Enrollment Period — because you have guaranteed issue rights:

  • Guaranteed coverage
  • No medical underwriting
  • Pre-existing conditions covered

There are a few other times where guaranteed issue rights apply:

  • Your insurance provider goes bankrupt
  • Your employer group coverage ends
  • You move out of your plan’s service area

What is the Best Supplemental Insurance to go with Medicare?

What is the most popular Medicare Supplement plan in Alabama for 2021?

Many beneficiaries are choosing Medicare Plan G. Here’s why:

  • Plan F, which offers the most comprehensive coverage, is not available to seniors whose Medicare eligibility starts after Jan. 1, 2020.
  • It covers everything except the Part B deductible.
  • It has a reasonable monthly premium in return for great benefits.

Which plan has the best benefits?

  • Medicare Plan F offers the best Medicare benefits, but it’s only available to seniors eligible for Medicare before Jan. 1, 2020.
  • Plan G is the most comprehensive plan available to those new to Medicare after Jan. 1, 2020.

How do I choose the best plan?

To choose the best Medicare Supplement insurance plan in Alabama, you must compare the plan options in your area. Here’s what you should consider:

  • Budget
  • Health condition
  • Frequency of doctor visits

Our agents will help you compare the plan limits of each insurance policy so that you find the Medigap insurance that you need.

Which company offers the best rates in Alabama for 2021?

Rates differ between each Medicare insurance company based on several factors:

  • Demographics
  • When you enroll
  • Location
  • Pricing

The pricing method affects how your monthly premiums increase. Insurers use one of three methods:

  • Attained age: Premiums increase as you age.
  • Issue age: Premiums can increase based on inflation or other factors, but not because of your age.
  • Community: All policyholders pay the same premium.

Is Plan G the best Medigap Plan in Alabama?

What does it Cover?

How much does it cost in AL for 2021?

As the data shows, location affects the cost of Plan G for a 65-year-old, nonsmoking female.

Talladega (35161)
Range: $119-$136.39
Average: $127.70

Huntsville (35810)
Range: $119-$121.08
Average: $113.95

What is the Plan G deductible in 2021?

Medigap Plan G does not have an annual deductible. You do have a Medicare Part B deductible that you have to pay. In 2021, the Part B deductible is $203.

Which is better, Plan G or Plan N?

Both are good options for Alabama Medicare beneficiaries. Medicare Plan N has lower premiums and a higher cost-share than Plan G.

Same coverage

  • Part A deductible
  • Part A coinsurance
  • Skilled nursing facility coinsurance
  • Foreign travel emergency
  • Hospital costs
  • First three pints of blood

Differences

  • Plan N has copayments ($20 for office visits, $50 for ER visits). Plan G pays all Part B coinsurance.
  • Plan N doesn’t cover Part B excess charges. Plan G does. However, if your health care provider participates in Medicare, he or she cannot bill you for excess charges

Related Topics

Alabama Medicare Resources.

State links

Alabama Enrollment Statistics

  • The five largest counties in Alabama are Jefferson County, Mobile County, Madison County, Montgomery County, and Shelby County.
  • In 2018, there were more than 600,000 Original Medicare beneficiaries in Alabama.
  • More than 60 percent of Medicare beneficiaries were enrolled in Medicare Advantage or Medigap policies in 2018.
  • In 2015, approximately 200,000 people were enrolled in Medigap plans in Alabama. About half of those enrollees selected Medigap Plan B.

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Key Take Aways
  • In Alabama, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Alabama to choose from.
  • Medicare Supplement plans do not use a network, go wherever Original Medicare is excepted.
Need Help?

Call to speak with a licensed insurance agent now.

(888) 414-4547