Alabama Medicare Supplement Plans (Medigap)

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Alabama Medicare Supplement Plans are health policies created to provide additional coverage for Traditional Medicare Plans. This includes out of pocket expenses such as deductibles, copayments and coinsurance.

Medigap policies are the same as Medicare Supplement Plans. They’re offered by private insurance companies. Medicare insurance coverage is described in parts and plans.

Alabama Medicare Benefits Parts & Plans Broken Down

Alabama state health insurance benefits are organized into different parts.

  1. Alabama MedicareMedicare Part A: or hospital coverage is utilized for care a beneficiary may receive during a hospitalization such as an inpatient hospital, a skilled nursing facility, a nursing home as well as home health care and some hospice settings.
  2. Medicare Part B: is utilized for doctor and outpatient coverage. This is for most medically necessary and preventive services. Such as, annual wellness visits, outpatient services, medical equipment, labs, and x-rays.
  3. Medicare Advantage or Part C: These private policies are known as HMOs, PPOs, PFFS, and SNP. While this option is required to offer you the same coverage as Part A & B, it does have it’s limitations. Part C does not work in conjunction with Original Medicare, but as a replacement.
  4. Medicare Part D: or Prescription Drug Plans (PDP) are utilized solely for prescription drug coverage. They’re used alongside with Traditional Medicare Parts A & B.
  5. Alabama Medigap Supplement Plans: are designed to cover what Traditional Medicare does not, such as premiums, deductibles, and copayments. These plans are here to help fill the gap left by Traditional Medicare. Medigap, Traditional Medicare and a PDP can give an Alabama beneficiary optimum coverage.

What Alabama Medicare Pays for

Medicare only pays 80% of your medical bills, leaving the beneficiary 20% of their medical costs to pay out of pocket. This in addition to other out of pocket costs is what makes Medigap policies so important.

Find out which of the 10 Alabama Medicare Supplement Plans offered in your state work best to fill in the gap in your Medicare plan. Fill out the form provided, or contact the number above.

How Medigap Eligibility is Determined in Alabama

In order for an Alabama resident to qualify for Medicare Supplement benefits, they must be first enrolled in Medicare Part B and be at least 65 years old.

It’s important for you to enroll in your Medicare Part B plan during your Open Enrollment Period. Alabama Medicare beneficiaries OEP begins the month a recipient turn 65 years old and is enrolled in Part B of Medicare. It continues for 6 months.

During this time a guarantee issue is in effect and a carrier can not deny your coverage due to any current or previous health conditions. Not taking advantage of the Open Enrollment Period (OEP) could result in paying a penalty fee.

How Medigap Supplement Coverage works for those Disabled and Under 65

Alabama residents that are currently receiving Railroad Retirement Benefits, diagnosed with End Stage Renal Disease or have had social security benefits for at least 24 months, are automatically eligible for a Medicare Part A and Part B health plan.

However, the Federal Law does not require insurance providers to carry Alabama Medicare Supplement Plans for those with Medicare plans that are disabled and under the age of 65. If you are a disability beneficiary in the state of Alabama, please give us a call for more information about the policies available to you.

How to Apply Alabama Medicare Supplement Plans

How to Apply Alabama Medicare Supplement PlansAlabama Medigap coverage is available to you during your Open Enrollment Period, which begins the first day of the month you are eligible and enrolled in Medicare.

This means if you are born on May 31st and your effective date is June 17th, your OEP would begin July 1st. Additionally, this is when you are given the Guarantee Issue, previously mentioned.

Guarantee Issues rights allow you to receive coverage regardless of previous or current medical conditions. Applicants that apply without these rights may experience additional costs, higher fees. They also might need to undergo medical underwriting as well.

Medigap Costs in Alabama

Companies offering Medigap policies create their own rates, this is not controlled by the state of Alabama. Things such as age, gender and location can change the amount of a policy holders monthly medicare premium.

For instance, someone living in Mobile may have a different rate than someone living in Birmingham. Medigap benefit rates are determined by three different pricing methods.

You will want to understand which method the company you select uses because some rates may change as you age. This could cause you to pay more money when you are older and your health is declining.

Best Alabama Medicare Supplement Plans

There are ten lettered Alabama Medicare Supplement Plans, A-N. Benefits are the same regardless of which carrier you choose to enroll with. The difference is the rate at which the company choices to charge for the Medigap plan.

These top plans offer travel coverage, which is something that Original Medicare does not. Out of the top coverage plans, the most common are F, G and N. These are explained in detail below.

Medicare Plan F in Alabama

Medicare Supplement Plan F has the highest amount of benefits with the lowest amount of out of pocket costs. Making it the most popular supplement plan. These benefits will cover any additional hospital or physician costs not covered by Medicare, including coinsurance and copayments under Part B. This plan option also offers a High Deductible Plan F, which is the same policy with a higher deductible and a lower monthly premium.

Plan G in Alabama

Plan G offers the same coverage as Plan F, which covers original Medicare Part A deductibles. However, this plan option does NOT cover your Medicare Part B deductible, which in the year 2018 is currently $183. This plan offers an affordable option with the same great coverage.

Medicare Plan N in Alabama

Plan N is consider a “share of cost” type of plan. Depending on your needs this plan may save you money over the course of the policy. This plan option covers 100% of your Part B costs with the following expectations:
Copayments of $20 for some physician appointments
Copayments of $50 for ER visits that do not result in hospitalization

Alabama Medicare Advantage Vs. Medigap

A Medicare Advantage Plan is offered by private insurance agencies that have been approved by Medicare and are usually considered an HMO or PPO. These type of plans will require you to forfeit your Medicare Plans A & B and place you into a network of Doctors and abide by their policies and procedures.

This can be challenging as networks change throughout the year and additional expenses can be applied when unexpected medical needs arise while you are traveling. Medigap joins together with Medicare Part A & B, and allows you the most comprehensive care and is accepted everywhere Medicare is. Medigap gives you the ease of knowing what benefits are covered without any guess work.

Alabama Part D Medicare Plans

Prescription Drug Plans (PDP) or Medicare Part D, offers coverage for majority of the prescription drugs a physician prescribes with a few exceptions, such as weight loss medication.

These plans do not cover over the counter medication. It’s important to note that Traditional Medicare does not offer a PDP. You’ll need to enroll in a Part D Plan. If you don’t enroll in a Part D plan when your first eligible, you could incur a late enrollment penalty.

Sign Up for Medicare Supplement Insurance in AlabamaSign Up for Medicare Supplement Insurance in Alabama

Alabama Medicare Supplement plans can provide the help beneficiaries need to supplement the gap that is left by Traditional Medicare. Ten different supplement plans are offered in Alabama. Each of their premiums could be different, based on where you are located in the state.

Comparing these rates can be daunting and confusing, MedicareFAQ can help ease the process for you. Simply fill out the form provided or call the number above to get started.

Alabama Medicare Savings Program

Medicare recipients in need of help paying for Medicare may be eligible for one of several Medicare Savings Program. This can provide some relief for those Medicare recipients that are on a fixed income or a part of a low income family.

Alabama offers 4 different programs designed to meet your individual needs. SHIP is a National resource that can help those in need.

Fun State Facts

  • 20% of the total population in Alabama were Medicare beneficiaries in 2015. Making the total number of those residing in the state that were receiving benefits from Medicare just under 1 million.
  • In 2013, 24% were on disability. Just over 5,000 were on disability and diagnosed with End Stage Renal Disease.

Alabama State FAQ’s

  1. Are there assistance programs to pay for Medicare in Alabama? Yes, The state provides Extra help through four different programs, they can help you find a program that meets your needs.
  2. Does Alabama’s Medicare have a special needs program? Yes, depending on your exact location SNP’s may be available through certain carriers. Contact us today so we can help you navigate what’s available in your area.
  3. Where can I compare Medicare plans for Birmingham AL? We would be happy to help you compare plans. Just contact the number listed above. You can also compare plans online.