Alabama Medicare Plans

In addition to Alabama Medicare plans, there are standardized Medicare supplement plans, also referred to as Medigap plans.

Alabama residents are eligible for Medigap plans A, B, C, D, F, G, H, K, L, M, and N.

While you can enroll in a Medigap plan at any time throughout the year, it’s advantageous to sign up during your open enrollment period.

Medicare Supplement Open Enrollment Period

The open enrollment period for Medicare supplements occurs during the first six months after you start Medicare Part B.

During this time, Alabama Medicare supplement companies must approve your application, even if you have a pre-existing health condition. While you can apply for a Medigap plan after the open enrollment period, you will need to pass health underwriting.

Most Popular Alabama Medicare Plans

Medicare Supplement Plans F and G are among the most popular due to their comprehensive coverage.

Plan F covers all the deductibles and coinsurance not paid by Original Medicare. However, starting January 1, 2020, new Medicare enrollees can no longer access Medigap Plan F or C. If you were born in 1954 or earlier, you can still enroll in Plan F.

As a result, Medigap Plan G is expected to become the most popular option. Plan G covers all the deductibles and coinsurance left by Original Medicare, except for the Part B deductible.

Alabama Medicare Advantage

All Alabama Medicare Advantage (Part C) plans must adhere to the same rules established by Medicare. Carriers are permitted to ask only one qualifying health question regarding kidney failure (end-stage renal disease or ESRD).

As long as you do not have ESRD, you are eligible for a Medicare Part C plan in Alabama, provided you live within the plan’s service area.

Enrollment in these plans is only allowed during specific periods.

Your initial enrollment period begins when you first become eligible for Medicare. If you choose to enroll in Medicare Advantage at a later time, you can do so during the annual election period, which runs from early October to the beginning of December.

If you’d like to check your eligibility, we can help assess your status and find a plan that suits your needs.

Medicare Part D


Original Medicare and Medicare Supplements do not include prescription drug coverage, but you can enroll in Medicare Part D to get this coverage. In Alabama, there are more than 29 Part D plans available. Medicare Advantage is another alternative that may include prescription drug coverage. Be sure to consult with a licensed Alabama Medicare agent to help you choose the plan that best fits your budget and needs.

How We Can Help

Our licensed specialists are here to assist you at no cost. We take pride in helping you find a plan that fits your needs. Since Medicare Supplement plans must provide standardized coverage by law, the only difference will be the price. We’ll shop around for you to ensure you get the lowest price available.

While Medicare Advantage plans have some standardization, certain plans offer better coverage without additional costs.

Let us offer our free assistance, so you can be confident you’re getting the best value for your healthcare coverage.

Want more help understanding

ALABAMA MEDICARE PLANS

We’re here to help you better understand your Medicare benefits, including Medicare supplements, Medicare Advantage plans, and prescription drug coverage. Learning about these options can help you lower your out-of-pocket healthcare costs that Medicare doesn’t cover.

To make things easier, we’ve put together a comprehensive library of resources for you to explore. When you’re ready, give us a call, and one of our licensed agents will discuss your specific needs, compare available plans in your area, and guide you toward the best choice.

If you decide to enroll through us, our support doesn’t stop there. We’ll continue assisting you throughout your Medicare journey—reviewing your plans each year to ensure they remain the best fit and answering any questions you may have along the way.

We are not connected with or endorsed by the United States government or the federal Medicare program. We do not offer every plan available in your area, and any information we provide is limited to those plans we do offer in your area. Please get in touch with Medicare.gov or 1-800-MEDICARE to get information on all your options.

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