Medicare Supplement Plans in Alabama

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 2022, 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.

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 Medicare Supplement insurance plans cover:

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

Medicare Supplement Plan options in Alabama:

Alabama offers ten plans for seniors to choose from to supplement their Medicare coverage. All provide the same basic benefits but differ in how much they pay. Here are the top plans.

Medicare Supplement Plan F

  • Plan F is the most comprehensive — it covers all Part A and Part B expenses
  • Most expensive
  • Medicare eligibility must start before Jan. 1, 2020

Medicare Supplement Plan G

  • Plan G is the 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

Medicare Supplement Plan N

  • Comprehensive coverage
  • Lower monthly premium in return for adding copayments
  • Plan N has an office copay of up to $20
  • Emergency room visit copay of up to $50 (waived if admitted)

Top Medicare Supplement Insurance Companies 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)

Medicare Supplement Insurance Cost in Alabama

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.

65-Year-Old Female Non-Tobacco

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When can I apply for a Medicare Supplemental 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

Ready to learn more?

We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Alabama Medicare Resources.

How do I apply for Medicare in Alabama?

Contact Social Security to sign up for Medicare.

You can either:

  • Sign up for just
  • Part A (Hospital Insurance)
  • and
  • Part B (Medical Insurance)
  • Apply to get benefits from Social Security (or the Railroad Retirement Board). You’ll get Part A automatically once you start getting benefits. You’ll choose if you want Part B when you apply for benefits.

Know when to sign up for Part B

You can only sign up for Part B at certain times. If you don’t sign up for Part B when you turn 65, you might have to wait to sign up and pay a monthly late enrollment penalty. Find out when you can sign up.

Ways to sign up:

  • Online (at Social Security) – It’s the easiest and fastest way to sign up and get any financial help you may need. (You’ll need to create your secure my Social Security account to sign up for Medicare or apply for benefits.)
  • Call Social Security at 1-800-772-1213. TTY users can call 1-800-325-0778.
  • Contact your local Social Security office.
  • If you or your spouse worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772.

About two weeks after you sign up, we’ll mail you a welcome package with your Medicare card.

resources from medicare.gov

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.
Related Topics:
Aetna Medigap Plan G
Cigna Medigap Plan G
Mutual of Omaha Plan G
Medicare Supplements 2023

Key Take Aways

  • In Alabama, Medicare Supplement Plan G is the most popular plan for 2022.
  • 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.