Medicare Supplement Plans in Alabama

Steven Mott by Steven Mott | Licensed since 2012
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This article was updated on: 10/12/2018

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If you’re like most people, you might worry about your out-of-pocket health care costs. The good news is that Medicare enrollees in Alabama have options to help cover those costs through Medicare Supplement plans. If you’re interested in Medicare Supplement Plans in Alabama, this information may help you.

What are Medicare Supplement Plans in Alabama?

Medicare Supplement (Medigap) Plans in Alabama are standardized plans offered by private insurance companies designed to pay all or part of your Part A and/or Part B out-of-pocket costs under Original Medicare. These plans don’t work with Medicare Advantage and they don’t cover costs associated with prescription drugs, routine vision, routine hearing, or dental coverage.

You pay a separate monthly premium to your insurance company, which may vary significantly from plan to plan and company to company. Some plans have yearly deductibles before the benefits kick in, but these tend to have lower premiums.

How do I compare Medicare Supplement Plans in Alabama?

Medicare Supplement Plans in Alabama, as in most other states (except Massachusetts, Minnesota, and Wisconsin, which have their own Medigap standards), are standardized at the federal level, which means that a Plan G in Alabama has the same basic benefits as Plan G in Wyoming. This means that even if you move out of the state where you bought your plan, you can keep it, as long as you have Original Medicare, and your benefits will generally not change.

It’s a good idea to start by carefully considering what benefits you’ll want in the future, not just based on your current situation. This is because it can be very difficult to switch policies later on if you decide you want more coverage.

Once you know which Medicare Supplement Plan in Alabama best meets your needs, you can look for insurance companies that offer it and compare premiums.

When can I enroll in Medicare Supplement Plans in Alabama?

Medicare Supplement Plans in Alabama are different from all other Medicare products in that you can be turned down for coverage if you don’t have guaranteed issue rights. All Medicare enrollees have guaranteed issue rights during the Medicare Supplement Open Enrollment Period, which begins in the month you turn 65 and enroll in Medicare and lasts for six months. You may have guaranteed issue rights during certain other very specific circumstances, but it’s best to buy when you’re first eligible just to be sure. During Open Enrollment, you can buy any policy available in Alabama and you generally can’t be charged a higher premium regardless of your health.

If you don’t buy Medicare Supplement during Open Enrollment, your insurer may require you to pass medical underwriting before selling you a policy. If you have serious or chronic health conditions, the insurance company may refuse to sell you a plan, or it may increase your premiums significantly.

What else should I know about Medicare Supplement Plans in Alabama?

You may have heard that Congress is phasing out certain Medicare Supplement Insurance Plans in Alabama. The fact is that, beginning January 1, 2020, insurers are prohibited from selling any Medigap plan that covers the Part B deductible. If you think you want Plan C or Plan F, and you’re eligible for Medicare prior to December 31, 2019, you should buy it as soon as you are eligible. People who already have these plans will be allowed to keep them, but no such new plans are allowed to be sold after that time.

If you travel outside the country, or plan to while you are covered by Medicare, you may not know that Medicare doesn’t pay for medical care overseas, except in rare situations. Some Medicare Supplement Plans in Alabama (Plans C, D, F, G, M, and N) have benefits for foreign travel emergencies up to plan limits, which may help protect you on an international trip.

Need more information about Medicare Supplement Plans in Alabama?

You can also find out about Medicare plan options in your area by clicking the Compare Plans button.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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