Currently, 178,726 residents are receiving either Part A or Part B of the Original Medicare program in Mobile, Alabama. Additionally, 86,893 residents enroll in a Medigap plan, while 91,833 have a Medicare Advantage Plan.
Medicare plans in Mobile, Alabama
Original Medicare in Alabama doesn’t cover everything, so people use Medicare Advantage health insurance or Medigap insurance plans. Below, we will review these plans with quotes based on a 70-year-old female beneficiary.
Medicare Advantage plans
The female participation rate for Medicare Plans is 53.83%. There are currently 30 Alabama Medicare Advantage plans in Mobile County, AL.
The first plan we’re covering is Wellcare. Their HMO plan has a zero-dollar premium and a MOOP (maximum out-of-pocket) rate of $4,900. An HMO means you can’t shop outside your provider network without paying substantial out-of-pocket costs.
Medicare beneficiaries can also choose Blue Cross Blue Shield of Alabama. This plan also has a zero-dollar premium but has a MOOP of $5,100. It’s a Local PPO meaning it has a broader service area and can receive healthcare services from both in and out-of-network providers. This plan has a four-star rating.
Humana is a top-rated four-star health plan. This HMO has a MOOP of $5,600 and is widely available.
The average costs of Medicare Advantage plans in Mobile, Alabama
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Wellcare | $0 | $4,900 | HMO | N/A |
| BCBS of Alabama | $0 | $5,100 | LOCAL PPO | 4 |
| Viva | $0 | $5,900 | HMO | 5 |
| Ascension Complete | $0 | $3,450 | LOCAL PPO | N/A |
| Humana | $0 | $5,600 | HMO | 4 |
Medicare Supplement plans
Alabama Medigap covers the beneficiary’s portion of costs after Original Medicare pays its share. All Medigap plans are standardized nationwide, meaning their benefits don’t change from state to state or with different carriers. Private insurance companies administer these Medigap plans and are regulated by the Centers for Medicare & Medicaid Services. However, their monthly premiums and copayments can differ.
Plan F has a premium range of $129.35 to $357.62. As a result, this plan is an excellent choice for beneficiaries who don’t want to pay out-of-pocket costs.
Plan HDF has a premium range of $36.00 to $83.65 and has the same Plan F benefits but without a high premium. However, its deductible is much larger.
Plan G has excellent coverage and a monthly premium range of $105.45 and $342.70. The only difference between Plan F and Plan G is that G doesn’t cover the Medicare Part B deductible. Like Plan F, Plan G also has a high deductible plan option called Plan HDG with a lower monthly premium.
The average cost of Medicare Supplement plans in Mobile, Alabama
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $83.59 | $254.13 |
| PLAN B | $134.78 | $305.50 |
| PLAN C | $133.82 | $355.37 |
| PLAN D | $124.58 | $278.39 |
| PLAN F | $129.35 | $357.62 |
| PLAN HDF | $36.00 | $83.65 |
| PLAN G | $105.45 | $342.70 |
| PLAN HDG | $36.00 | $76.96 |
| PLAN K | $49.25 | $114.00 |
| PLAN L | $68.25 | $200.87 |
| PLAN M | $83.64 | $235.78 |
| PLAN N | $85.30 | $241.37 |
Medicare Part D prescription drug plans
Some Medicare Advantage plans cover prescription drugs, while no Medigap plans cover prescriptions. To resolve this, residents can also enroll in an Alabama Part D Plan to add to their Mobile, Alabama, Medicare Supplement insurance.
For a widely available plan, many residents choose Humana. This plan has a monthly premium of $22.70, a deductible of $480, and a four-star rating.
Wellcare is another choice that has a monthly premium of $12.90, a $480 deductible, and a three-star rating. Enrollees can often expect generic medications to cost six dollars or less when using this plan.
has a far lower deductible than other plans on this list at $310. However, its monthly premium is the highest at $29.30. This plan also has a four-star rating, promising significant coverage effectiveness.
The average cost of Medicare Part D plans
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.50 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring Health | $16.30 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| $29.30 | $310 | 4 |
Special Needs plans
You can also explore Special Needs Plans (SNPs), a subsection of Medicare Advantage plans for additional coverage. While these plans aren’t available in all areas, they can help patients with special needs or disabilities receive extra coverage.
For local PPO plans, you can choose Simpra Advantage. The PPO plan Simpra Advantage offers has a zero-dollar premium, a MOOP of $6,700, and dual eligibility.
For an HMO with a far lower MOOP, there’s Ascension Complete. This plan also carries a zero-dollar premium for dual-eligible beneficiaries. Its MOOP rate is $3,450.
The last SNP we’ll cover is Aetna. Aetna is an HMO with a monthly premium of $25.40 and a MOOP of $7,550 for beneficiaries with dual eligibility.
The average cost of Medicare Special Needs plans in Mobile
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Simpra Advantage | $0 | $6,700 | LOCAL PPO | Dual |
| Ascension Complete | $0 | $3,450 | HMO | Dual |
| Cigna | $0 | $7,550 | HMO | Dual |
| Aetna | $25.40 | $7,550 | HMO | Dual |
How to sign up for Medicare plans in Mobile
Unfortunately, Original Medicare coverage doesn’t always cover all your medical expenses. To resolve this issue, you can sign up for a Medigap policy or Medicare Advantage plan. However, many programs are available, making choosing which suits your insurance and budget needs hard. Our team provides a free comprehensive service and can match you with the right plan. Call us today or fill out our form to get rates now.
