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Alabama Medicare Supplement Plans

Most Alabama Medicare beneficiaries enhance their benefits with a Medicare Supplement plan in Alabama, MA plans, employer health insurance, or a public option. While enrollment in Medicare Advantage, or MA, continues to increase, Medicare Supplement plans, also called Medigap, is still a reliable option. You must have Original Medicare Part A and B in place to be eligible.

Having lots of choices in order to make the most of Medicare benefits is a good thing but it can also make finding the best Medicare Supplement plan in Alabama can be complicated and confusing. We are here to help by providing online Medicare Supplement plan quotes and a phone number visitors can call for help.

Understanding Medicare Supplement Plans in Alabama

First, let’s shine a light on the Alabama population of seniors in the main cities. These are percentages of people from the U.S. Census Bureau in the major urban centers 65 and over:

  • Birmingham: 12.4%
  • Montgomery: 11.8%
  • Mobile: 13.7%
  • Huntsville: 14.2%
  • Tuscaloosa: 9.8%

These bigger Alabama cities will tend to have the largest population of seniors, the most medical centers, and the largest selection of different plans. Smaller towns and rural areas will offer fewer choices of both insurance companies that offer Medicare Supplement plans in Alabama like United of Omaha, Humana, and Aetna, and medical centers.

Comparison of Advantage vs. Medicare Supplement Plans in Alabama

A comparison of MA and Medicare Supplement plans might help explain why many beneficiaries still choose Medigap plans. Even though premiums might be lower for Advantage, there are some advantages that Medicare Supplement plans in Alabama offer:

  • More stable benefits from year to year
  • No network restrictions and more choices of doctors
  • Richer benefits and predictable out-of-pocket costs

While Advantage replaces traditional Medicare Part A and B, Medicare Supplement plans in Alabama work with Part A and B to fill in the gaps for those things that traditional Medicare doesn’t cover. Note that Medicare Supplements do not offer Part D or extra benefits that might be included with some Advantage choices.

Medicare Supplement plans in Alabama are all standardized in levels that range from A through Medicare Plan F.

Overview of how these Medicare supplement plan levels work:

  • Basic benefits: All levels provide basic coverage that includes Part A hospital and hospice coinsurance, Part B coinsurance, and the first three pints of blood.
  • Extra benefits: Other levels may provide additional coverage for Part A and B deductibles, Part B excess charges, foreign emergency care, nursing care coinsurance, and preventative care coinsurance.

These are some general categories of different levels of Medicare Supplement plans in Alabama provided by different Medicare Supplements:

  • Plan F and Medicare Plan G: Coverage against large costs paid out of pocket
  • A and B: Basic coverage and competitive prices
  • C: More robust coverage against most out-of-pocket costs
  • K, L, and Medicare Plan N: Balanced coverage to control costs on both ends

Rates on Medicare Supplement Plans in Alabama

Medigap plan F is one of the most popular options. This is because the Medicare Supplement plan provides a high level of benefits. There is also a high-deductible option that can keep the monthly price lower and still protect plan members against unpredictable charges.

These are some illustrations of sample monthly premiums for a man in Birmingham who is just turning 65 and does not smoke:

  • High deductible plan F: $58.30
  • Regular plan F: $156.98

Note: These are only sample rates and they might be subject to underwriting or change.

Largest Medicare Supplement plan carriers in Alabama:

Beneficiaries who are willing to risk paying the deductible can save quite a bit on the monthly charge each month. However, folks who take the regular Medicare Supplement plan can pay more every month and not worry about coinsurance or deductibles during the rest of the year.

According to AHIP, a large insurance trade association, this is a general breakdown of how many people select popular Medicare Supplement plan levels in recent years:

  • F: About 53 percent of Medicare Supplement buyers chose F.
  • C: About 13 percent of Medicare Supplement plan buyers chose Medigap plan C.
  • Others: Cost-sharing options, like level N, grow in popularity.

Which Medicare Supplement Plans in Alabama are Best for You?

Private companies offer a variety of levels that can help beneficiaries choose the right benefits and associated costs. It is even possible that different insurers will offer different prices for the very same level of coverage within the same area. Our website makes that simple because we offer fast online quotes and personal service over the phone. Simply enter your zip code to begin comparing Medicare Supplement plans in AL from top companies in your area.

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