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 Supplements Plan 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 generally 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 the deductibles and co-insurance that Medicare leaves. As of January 1, 2020, no new Medicare enrollees will have access to Medigap Plan F or C. Fortunately for anyone born prior to 1954, they can still enroll in a Medicare Supplement Plan F or C.
Medigap Plan G is likely to become the go-to Medicare Supplement Plan. Medicare Plan G covers everything the Medicare Plan F covers, EXCEPT the Part B deductible.
Alabama Medicare Advantage
All Alabama Plan C policies, also known as Medicare Advantage plans have to follow Medicare’s rules.
There is only one question a carrier can ask prior to signing up. They may as if you have ESRD (End Stage Renal Disease).
As long as you can say no to that question you qualify for a Alabama Medicare Advantage Plan. Please don’t forget you must live in that plan’s service area.
Keep in mind you are only able to enroll in these Alabama Medicare Advantage Plans during certain periods of time.
You can sign up using your initial enrollment period. This is the period when you are initially eligible, and signed up for medicare. If you wait until later on in your life to enroll into an Alabama Medicare Advantage Plan, you are able to enroll during AEP (annual enrollment period).
If you wish to check if you’re eligible to enroll in a plan we would be happy to help. Contact us today for more assistance!
Medicare Part D
Original Medicare and Medicare Supplement plans DO NOT offer prescription drug coverage. This is a gap that could leave you in a very dangerous financial situation. Part D drug plans are the answer. Alabama has over 29 Prescription Part D Drug Plans. You may also use Medicare Advantage Plans, as most offer drug coverage built in. Its best to speak with a licensed Alabama Medicare agent to see what options are best for you.
How We Can Help
Working with our Licensed Alabama Medicare agents is no cost to you. We take pride in how well we will assist you in finding a plan that fits your individual needs. Since Medicare designed the supplement plans, each letter plan has the same coverage. The only factor is price. Being brokers means we stay ahead of the curve and will always get you in the most cost effective plan.
Medicare Advantage Plans are somewhat standardized but some do offer more benefits than others.
Allowing us to help you will ensure you’re getting the best value for your healthcare coverage.