Medicare Supplement plans, which most people know as Medigap plans, are optional Medicare plans that add coverage to the standard Parts A and B. Alabama Medicare Supplement plans will cover everything that Part A and Part B of Original Medicare covers.
There are ten Medicare Supplement plans in Alabama, but since the federal government standardizes them, their benefits are the same across providers.
Alabama Medicare Supplement enrollment per letter plan
In Alabama, 202,752 people currently have a Medigap plan. Among those with fee-for-service Medicare, 30.3% have Medigap coverage. While that rate is lower than neighboring states, it is on par with most of the country.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| 665 | 91,194 | 2,928 | 518 | 69,786 | 24,219 | 550 | 243 | 2 | 10,989 |
What are the top Medigap plans in Alabama?
Despite having the lowest enrollment of Medicare Supplement plans nationwide, the most popular Medigap plan in Alabama is Plan B. Alabama has the highest number of Plan B beneficiaries of any state at 91,194.
Plan F is the second most popular Medigap option in Alabama and the most popular in nearly every other state. In Alabama, 69,786 people have Medigap Plan F.
Other popular Alabama Medicare Supplement Plans include Plan G with 24,219 beneficiaries and Plan N with 10,989. No other Alabama Medigap plan has over 10,000 enrollees.
Medigap plan coverage for Alabama
Though private insurance companies distribute Medigap plans and control their prices, the federal government’s standardization keeps them from changing the benefits of any plan.
So, even if you have to move from Alabama, you’ll find Medigap coverage with the same benefits regardless of where you relocate.
Medicare Supplement plan costs in Alabama
Depending on your provider and their varying benefits, Medicare Supplement plans cost more or less. But several other factors change your monthly Medigap expenses as well, including the following:
- Your age: Most Alabama Medigap providers award lower premiums to enrollees closer to 65 than 70.
- Your gender: Women with the same age and health history as male enrollees generally receive lower Medigap premiums.
- History of tobacco: Insurance providers increase premium rates for regular tobacco users by as much as 10% since they’re at a higher risk of contracting a medical condition than non-tobacco users. Tobacco products include cigarettes, tobacco chewing, and even some vaping devices.
- Pay period: Some Medigap providers give discounts for enrollees who pay monthly rather than on an annual or quarterly schedule.
How much does Medigap cost in Alabama?
The cost of a Medigap plan in Alabama varies depending on the coverage level and the enrollee’s age. However, most individuals in Alabama can expect to pay between $115 and $175 monthly.
Least expensive premium per Medigap letter plan in Alabama
Several Medicare Supplement plans have monthly premiums below $100 if you meet the provider’s conditions for low-cost policies. You’ll see in the chart below what those low costs look like for an average 65-year-old female enrollee.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Premium | $75 | $123 | $135 | $121 | $128 | $115 | $44 | $69 | $82 | $84 |
Most expensive premium per Medigap letter plan in Alabama
Medicare Supplement plan premiums have hundreds of dollars of variance if you don’t meet the provider’s affordable plan criteria. The numbers below show the average high-end costs for the typical 70-year-old male applicant.
| PLAN | A | B | C | D | F | G | K | L | M | N |
| Premium | $292 | $344 | $401 | $319 | $403 | $386 | $131 | $226 | $261 | $272 |
Top Medicare Supplement plan carriers in Alabama
Alabama has several Medicare Supplement plan providers offering low rates on the state’s most popular policies. The rates below are average prices from some of Alabama’s most trusted companies for the typical 70-year-old female enrollee.
As you can see, SBLI Life has the lowest average costs for Plans F, G, and N—three of Alabama’s four most popular Medigap options. American Financial and Nassau Life have the second-most affordable Plan F rates, each offering the average 70-year-old woman a $136 monthly premium.
| CARRIERS | PLAN F | PLAN G | PLAN N |
| SBLI Life | $128 | $115 | $84 |
| Nassau Life | $136 | $123 | $94 |
| Federal Life | $138 | $117 | $88 |
| American Financial | $136 | $117 | $89 |
| Lumico | $142 | $118 | $91 |
Alabama cities with estimated premiums for Medicare Supplement coverage
There are charts with estimated premiums for Medicare Supplement coverage for the below cities:
FAQs
How much do Medicare Supplement plans in Alabama cost?
The cost of a Medigap plan in Alabama varies depending on the coverage level and the enrollee’s age. However, most individuals in Alabama can expect to pay between $115 and $175 monthly.
Can you have two Medicare Supplement plans in Alabama?
You can only enroll in one Medicare Supplement plan at a time in Alabama. You cannot simultaneously have a Medicare Advantage plan with Medigap coverage.
Are Medicare Supplement premiums based on income in Alabama?
Medicare Supplement plan providers don’t want to factor income into what they charge for premiums. Instead, they lean on your age, gender, location, health history, and some provider-specific payment terms to set your rates.
Do Medicare Supplement plans in Alabama cover prescription drugs?
None of the 10 standard Alabama Medicare Supplement plans offer prescription drug coverage. If you want a Medicare option that assists with your medications, you’ll need a Part D or an MAPD plan.
What do Medigap plans in Alabama not cover?
Medigap plans don’t cover anything that Original Medicare doesn’t cover.
Can I change my Medicare Supplement plan at any time in Alabama?
Yes, you can change Medicare Supplement plans at any time. If you’re outside your one-time open enrollment period, you’ll have to undergo a medical underwriting.
How to sign up for Medicare Supplement/Medigap plan in Alabama
Finding the best rates for Alabama Medicare Supplement plans shouldn’t be a hassle. Our team works with all Medigap providers to compare rates on all Medicare Supplement options available.
Our services are free, and we work quickly so that you can find the coverage you deserve in hours rather than spending weeks comparing policies on your own. Call our team or complete our online form to get rates today.
