The Best Medicare Supplement Plans Alabama in 2024
Medigap plans are essential policies for bolstering the coverage you receive from your Original Medicare Parts A & B.
These plans cover the out-of-pocket medical and hospital expenses.
The plans vary in coverage, with plans A, F, G, & N being the most popular choices.
You can enroll in a Medigap plan with several leading healthcare insurers in your state.
However, each provider offers Medigap plans at different prices.
So, which insurer is the most affordable option in your state with the best benefits for your medical requirements?
In Alabama, the average cost for a Medigap policy for a 65-year-old female nonsmoker is $123 per month.
Plan F is the most popular policy, but it’s unavailable to seniors eligible for Medicare after January 1, 2020.
This leaves Plan G & N as the most popular options in your state. Each plan offers different terms and conditions in your policy.
This post looks at the best Medicare Supplement Plans Alabama offers from top-rated insurers.
Use Us to Find the Best Medicare Supplement Plans Alabama
If you need further assistance in selecting the right Medigap policy for your healthcare needs, contact us at 1-888-891-0229.
We offer a free consultation on Medigap plans and free quotes for the lowest premiums from top-rated insurers in The Cotton State.
Alternatively, leave us your details on our contact form, or use our free tool to get an automated quote on the Medigap policy you want.
The Best Healthcare Insurers for Medicare Supplement Plans Alabama
Our research shows the following top-rated Medigap insurers offer plans in Alabama in 2024. We can help you find the best deal from any of these companies.
- UnitedHealthcare
- Mutual of Omaha
- Community
- Aetna
- Liberty Bankers
- AFSLIC
- Assured Life
- Atlantic Coast Life
- Bankers Fidelity
- Central States Health and Life Co. of Omaha
Regarding the most popular policies, Plans F, G, &N, the following three providers are the best options for your Medigap policy.
- Best Plan G – UnitedHealthcare
- Best Plan F – Cigna Medicare
- Best Plan N – Aetna Medicare
The Best Provider for Medicare Supplement Plan G Alabama – Humana
36 insurers offer Plan G in Alabama at an average market pricing of $134.20 per month.
Humana is the best option for a Plan G policy, with a monthly premium of $95.50.
This policy gives you several perks, including access to the SilverSneakers gym program and wellness benefits. The most expensive option for Plan G in Alabama is Blue Cross and Blue Shield of Alabama, charging $185 monthly.
- Humana: $95.50
- Aetna: $104
- Physicians Mutual: $109
- UnitedHealthcare: $124
- Cigna: $141
- Blue Cross Blue Shield of Alabama: $185
What Does Plan G Cover?
Plan G offers you the most comprehensive coverage of any Medigap plan.
The only thing it doesn’t cover is the Part B deductible.
Plan G also comes in a High-deductible option. This version increases the Part A Deductible from $1,600 to $2,700. However, you get much lower premiums in return.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
The Best Provider for Medicare Supplement Plan G Alabama – Humana
36 insurers offer Plan G in Alabama at an average market pricing of $134.20 per month.
Humana is the best option for a Plan G policy, with a monthly premium of $95.50.
This policy gives you several perks, including access to the SilverSneakers gym program and wellness benefits.
The most expensive option for Plan G in Alabama is Blue Cross and Blue Shield of Alabama, charging $185 monthly.
- Humana: $95.50
- Aetna: $104
- Physicians Mutual: $109
- UnitedHealthcare: $124
- Cigna: $141
- Blue Cross Blue Shield of Alabama: $185
What Does Plan G Cover?
Plan G offers you the most comprehensive coverage of any Medigap plan. The only thing it doesn’t cover is the Part B deductible.
Plan G also comes in a High-deductible option. This version increases the Part A Deductible from $1,600 to $2,700. However, you get much lower premiums in return.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
The Best Provider for Medicare Supplement Plan N Alabama – Aetna & Cigna
34 insurers offer Plan N in Alabama.
The average market pricing for this policy is $122.20 per month.
Aetna is the lowest-cost provider in the state, charging a monthly average premium of $98.
You save around $24 per month off the industry average by going with Aetna and $14.10 per month from the most expensive provider, which is Humana, charging $112 per month.
Atena’s Plan N package comes with a good household discount, but there’s no option for additional perks like gym memberships.
If you want these perks, we suggest going with UnitedHealthcare. UHC charges monthly premiums of $103 for its Plan N policy, which is $5 more per month.
- Aetna: $98
- Cigna: $98
- UnitedHealthcare: $103
- Humana: $112
What Does Plan N Cover?
Plan N requires you to make a $20 copayment at the doctor’s office and a $50 copayment at the emergency room in exchange for a lower monthly premium.
The emergency room copayment is waived if you’re admitted into the hospital.
This plan gives you the most benefits associated with Plans F & G, but at a lower monthly cost, making it the preferred choice for healthy seniors.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover you for Part B excess charges. If you visit doctors charging above the Medicare-approved rate, you’ll need to pay the excess charge.
What Do Plans G & N Not Cover?
While Plans G & N give you good coverage for the out-of-pocket expenses associated with inpatient and outpatient services, they don’t cover the cost of drug prescriptions.
They also don’t have coverage for preventative healthcare services relating to vision, hearing, and dental.
These plans also don’t cover the costs of private-duty nursing or long-term care in unskilled nursing facilities.
However, some providers offer extra packages that cover these costs. Some include these perks for free, while others charge for it.
What are the Best Alternate Medicare Supplement Plans in Alabama?
The following companies are good choices for affordable premiums for Medigap Plans A, B, C, D, K, L, and M.
These policies don’t give you the same comprehensive coverage as Plans F, G, & N.
Still, they’re good choices for low-income seniors on a budget.
You still get a decent amount of coverage for the out-of-pocket expenses left behind by Medicare Parts A & B.
- Aetna
- Blue Cross and Blue Shield of Alabama
- Cigna
- Humana
- Physicians Mutual
UnitedHealthcare, Aetna, and Cigna are the most affordable options for these plans. This average pricing is based on a 65-year-old female nonsmoker.
- Plan A – UnitedHealthcare: $87.99
- Plan B – UnitedHealthcare: $140.91
- Plan C – UnitedHealthcare: $220.37
- Plan F – Cigna: $201.61
- Plan K – UnitedHealthcare: $52.61
- Plan L – UnitedHealthcare: $93.02
- Plan N – Aetna: $97.92
Frequently Asked Questions
What are Medicare Supplement Plans in Alabama?
Medicare Supplement Plans, also known as Medigap plans, are private health insurance policies that provide additional coverage to fill the gaps in Original Medicare (Part A and Part B).
These plans are offered by private insurance companies and are designed to help cover out-of-pocket costs such as deductibles, copayments, and coinsurance.
How do Medicare Supplement Plans work in Alabama?
Medicare Supplement Plans work alongside Original Medicare. When you receive healthcare services covered by Medicare, Original Medicare pays its share of the approved amount, and then the Medicare Supplement Plan pays its share based on the plan you have chosen.
These plans help you manage your out-of-pocket expenses and provide financial protection against high healthcare costs.
What types of Medicare Supplement Plans are available in Alabama?
In Alabama, the standard Medicare Supplement Plans are labeled with letters A, B, C, D, F, G, K, L, M, and N. Each plan offers different coverage options, and the benefits are standardized across insurance companies.
However, not all plans may be available in Alabama, so it’s essential to research which plans are offered in your area.
How can I enroll in a Medicare Supplement Plan in Alabama?
To enroll in a Medicare Supplement Plan in Alabama, you must first be enrolled in Medicare Part A and Part B. You can then apply for a Medigap policy directly with us by calling 1-888-891-0229.
It’s important to compare plans, coverage, and costs before making a decision. Additionally, there are specific enrollment periods and eligibility requirements that you should be aware of.
Are Medicare Supplement Plans in Alabama standardized?
Yes, Medicare Supplement Plans in Alabama are standardized. This means that the benefits provided by each plan of the same letter are the same, regardless of the insurance company offering the plan.
However, the costs of the plans may vary, so it’s important to compare prices and choose the plan that best fits your needs and budget.
Can I change my Medicare Supplement Plan in Alabama?
Yes, you have the option to change your Medicare Supplement Plan in Alabama. However, unlike Medicare Advantage Plans, there are no annual enrollment periods for Medigap plans.
In most cases, you can switch plans at any time during the year, but you may need to undergo medical underwriting, which could affect your eligibility or premium rates. It’s important to consult with an insurance professional to understand the guidelines and implications before making a change.
Do Medicare Supplement Plans in Alabama cover prescription drugs?
No, Medicare Supplement Plans do not cover prescription drugs. To obtain prescription drug coverage, you need to enroll in a stand-alone Medicare Part D Prescription Drug Plan.
These plans are offered by private insurance companies and can be purchased in addition to your Medicare Supplement Plan. It’s important to ensure that your prescription drugs are covered under the chosen Part D plan.
Are Medicare Supplement Plans in Alabama available for people under 65 with disabilities?
In Alabama, Medicare Supplement Plans are generally available only to individuals aged 65 or older. However, some insurance companies may offer plans to individuals under 65 who qualify for Medicare due to certain disabilities.
It’s best to check with insurance providers to determine their specific eligibility criteria for disabled individuals.
What is the average cost of Medicare Supplement Plans in Alabama?
The cost of Medicare Supplement Plans in Alabama can vary depending on several factors, including your age, location, the specific plan you choose, and the insurance company offering the plan. It’s essential to compare prices from different insurance providers to find the most affordable option that meets your coverage needs.
Can I use my Medicare Supplement Plan outside of Alabama?
Yes, you can use your Medicare Supplement Plan outside of Alabama. Medigap plans are meaning they provide coverage across the United States. As long as the healthcare provider accepts Medicare, your Medicare Supplement Plan will work in any state, including emergency situations.
Medicare Supplement Plans Alabama - How to Apply
The easiest way to get started is to call us today at 1-888-891-0229.
We’ll answer all of your questions and help you find the right Medicare plan. Or you can use our FREE quote engine to begin shopping today!
Updated December 4th, 2022