Alabama Medicare Plans
Along with Alabama Medicare plans are standardized Medicare supplement plans (also known as Medigap plans).
Residents of Alabama are eligible for Medicare supplement plans A, B, C, D, F, G, H, K, L, M, and N.
You can enroll in a Medigap plan at any time of the year. However, it is beneficial to enroll during your open enrollment period.
Medicare Supplement Open Enrollment Period
Open enrollment for Medicare supplements is during the first six months after Medicare Part B starts.
Alabama Medicare supplement companies are required to approve your application during open enrollment. This means you can have a pre-existing health condition. You are still allowed to apply for a Medigap plan after open enrollment, but you have to pass health underwriting.
Most Popular Alabama Medicare Plans
Medicare Supplement Plans F and G are some of the most popular because of their coverage.
Plan F covers all deductibles and coinsurance that is left over by Original Medicare. However, as of January 1, 2020 no new Medicare enrollees will have access to Medigap Plan F or C. If you were born in 1954 or earlier, you are still be able to enroll.
This means Medigap Plan G will likely overtake it as the most sought-after supplement. Plan G covers all deductibles and coinsurance left over by Original Medicare except Part B’s deductible.
Alabama Medicare Advantage
All Alabama Medicare Advantage, also known as Part C, plans must also follow the same rules set by Medicare. All carriers may only ask one qualifying health question about kidney failure (end-stage renal disease).
As long as you do not have ESRD, you qualify for a Medicare Part C plan in Alabama. You must also live in the plan’s service area.
However, you can only enroll in these plans during certain periods of time.
Your initial enrollment period is when you first become eligible for Medicare. If you decide later in your life that you wish to enroll in Medicare Advantage, there is always an annual election period in early October that runs through the beginning of December.
If you wish to check your eligibility, we can help you determine your status and help you find a suitable plan for your needs.
Medicare Part D
While Original Medicare or Medicare Supplements don’t offer coverage for prescription drugs, there is an option to enroll in Medicare Part D. There are over 29 Part D plans available in Alabama. Medicare Advantage is another option as well. Be sure to talk to a licensed Alabama Medicare agent to help you decide what’s best for your budget and needs.
How We Can Help
Our licensed Alabama Medicare Plans specialists are available to help you at absolutely no charge to you. We pride ourselves on assisting you finding you a plan that fits your needs. Because Medicare Supplement plans are required by law to offer standardized coverage, the only difference will be price. We will shop your policy and find you the lowest price.
Medicare Advantage plans have a degree of standardization but some plans offer better coverage at no additional costs.
Let us provide our free assistance so you can feel comfortable knowing you’re getting the best value for your healthcare coverage.
This guide can be helpful if you’re considering buying a Medigap policy or already have one. It’ll help you know how Medicare Supplement plans work.
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