Best 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. Original Medicare does not cover 100% of your medical expenses. You will have to pay some out-of-pocket costs, which is where a Medigap plan can help.

Medicare Supplement Plan options in Alabama:

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

Medicare Supplement Plan G is the best overall plan because it’s the most comprehensive coverage and fills the most “gaps” left by Original Medicare.

Plan G Highlights:

  • 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 offers the best value-based coverage because it has slightly lower premiums than Plan G in exchange for things like copays.

Plan N Highlights:

  • 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)

High Deductible Plan G offers the lowest premium of any Medigap plan today. In exchange for the lower monthly cost, you will have to pay an annual deductible of $2,700 per calendar year before the plan will pay claims.

High Deductible G Highlights:

  • Same Benefits as Medicare Plan G
  • Annual Deductible of $2,700
  • 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

Medicare Supplement Plan F is known as the “best full coverage” plan — it covers all Part A and Part B expenses. The downside is your Medicare eligibility must start before Jan. 1, 2020 in order to enroll in this plan.

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)

How Much Does Medicare Supplement Insurance Cost in Alabama?

On average, Medicare Supplement Plans cost $129.00 each month in Alabama. Depending on various factors, including your current age and the age at which you purchase this plan, this rate may vary.

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 when guaranteed issue rights apply:

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

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

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.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.