In Alabama, a Medicare Supplement plan is available to people who are currently enrolled in Medicare Part A and Part B. Also known as Medigap, these plans provide coverage for copayments, deductibles and coinsurance, and some also cover medical services not covered by Original Medicare. Medicare Supplement plans in Alabama are designed to work with Medicare Part A and Part B, and they cannot stand alone as health coverage like an Medicare Advantage plan.
Medicare Supplement plans in Alabama
Most states offer 10 different types of Medicare Supplement plans, which are sold by private insurance companies. The best time for people to enroll in a Medicare Supplement plan in Alabama or any other state is during the Medigap Open Enrollment Period. This period begins on the first day of the month that you are 65 or older and enrolled in Medicare Part B, and runs for six consecutive months. You must be enrolled in Medicare Part A and Part B prior to enrolling in a Medigap plan. During the initial Medigap Open Enrollment Period (OEP), beneficiaries have the guaranteed issue right to enroll in a plan of their choosing, meaning that companies are not allowed to deny or charge more to someone with pre-existing medical conditions. Once a Medigap plan is purchased, the insurance company cannot cancel the policy, even if the beneficiary develops health issues.
However, someone who enrolls in a Medigap plan outside this initial enrollment period may be charged more for the plan (pricing of these plans can also change because of other factors). They can even be denied coverage by the insurance company. Medigap plans do not include specialized coverage, such as hearing, vision or dental care. The plans also do not cover prescription drug coverage. People interested in prescription drug coverage should consider a Medicare prescription drug plan (Medicare Part D) for their needs. Medigap plans cannot be purchased if someone currently has a Medicare Advantage plan.
In Alabama, Medicare Supplement plans of the same type will offer identical benefits. The differences in the plans will primarily be in the cost, which may vary from company to company. When comparing Medicare Supplement plans in Alabama, you should first familiarize yourself with the benefits included in each type of plan. Once you know which plan type will best meet your medical needs, a specific plan can be chosen based on the cost of the coverage.
If you have any questions about the Medicare Supplement plans or are ready to get signed up for a plan. Please feel free to give me a call here at 1-800-Medigap/1-800-633-4427. I am a Licensed broker, which means I can look at multiple companies to see who is offering the cheapest rate for this type of plans.
Incline.Media is owned and operated independently of our users, a make no claim to their viability. When it comes to Medicare Supplements we suggest you contact a licensed medicare supplemental insurance agent in your area or call our friends at 1-800-MEDIGAP .
This Website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement or Medicare insurance, and submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on cost and coverage of this insurance if you desire.
Many of our customers in this category are licensed agents that may call you and are not connected with or endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE or consult www.medicare.gov (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.