Best Medicare Supplement Plans in Alabama
Medicare Supplement plans fill coverage gaps left by Original Medicare. There are ten Medicare Supplement plans available in Alabama.
Editor's Pick:
Of the ten supplement plans available, Cigna offers the best Medicare Supplement Plan G rates for the most comprehensive coverage at $138 per month.
Cigna also offers the best rates on Medicare Supplement Plan N, for a great value option at $93 per month.
And for the lowest cost option, Mutual of Omaha offers the best rates on High Deductible Plan G, coming in at $43 per month. An annual deductible of $2,700 needs to be met before this plan will cover costs.
Below is a highlight of the features and benefits of the most popular plans in Alabama:
Cigna Medicare Supplement Plan G
- Cigna Medicare Supplement Plan G is an extensive plan that provides superior coverage and multiple advantages.
- Except for Medicare Part B's deductible, it covers a wide range of out-of-pocket expenses.
When choosing Plan G, there are several notable advantages:
- This comprehensive benefits plan includes coverage for Part B excess charges, Medicare Part A deductible, and the coinsurance costs associated with Part B.
- No referrals are required.
- Enjoy the convenience of visiting any medical provider who accepts Original Medicare.
Plan Cost: $138
*Quotes for a 65 year old non smoking female living in zip code 35242 Alabama
Cigna Medicare Supplement Plan N
- Cigna Medicare Plan N is the perfect cost-effective solution for those seeking lower premiums than Medicare Plans F or G.
Cigna Medicare Plan N offers an extensive list of advantages:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out Of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Plan Cost: $93
*Quotes for a 65 year old non smoking female living in zip code 35242 Alabama
Omaha Insurance Company High Deductible Plan G
- Mutual Of Omaha High-deductible Plan G coverage is identical to the standard Plan G, but requires an initial deductible of $2,700 before such coverage kicks in.
- Much more affordable than a traditional Medicare Supplement Plan G.
- A more cost-effective alternative to Plan F, this plan covers everything apart from the Part B deductible - perfect for those looking to save money without sacrificing coverage.
Plan Cost: $43
*Quotes for a 65 year old non smoking female living in zip code 35242 Alabama
Cigna Medicare Supplement Plan F
- Cigna Medicare Plan F provides the most comprehensive coverage available, including the Part A deductible, Medicare Part B deductible, and all related coinsurances.
- To be eligible for benefits, you must have been enrolled in Original Medicare prior to January 1st, 2020.
Cigna Medicare Supplement Plan F was the number one plan for many years, however, that changed in 2020. MACRA refers to the Medicare Access and CHIP Reauthorization Act of 2015. This law prevents Medicare Supplement plans from covering the cost of the Medicare Part B deductible for newly eligible individuals, as of January 1, 2020. In order to enroll in Plan F today, your Medicare Part B start date has to be prior to Jan. 1, 2020.
Plan Cost: $147
*Quotes for a 65 year old non smoking female living in zip code 35242 Alabama
What's the Best Medicare Supplement Insurance Company in Alabama?
Based on our review of several key factors, Cigna is the best Medicare Supplement company in Alabama.
While Cigna Medigap plans tend to be more affordable in Alabama, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.
For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.
This chart compares different Medicare Supplement companies to Cigna that are also available in Alabama, including sample premiums, ratings, and market share:
Cigna
Market share: 3.31%
Plan G cost: $138
Plan N cost: $93
Financial strength: A
Mutual of Omaha
Market share: 11.33%
Plan G cost: $145
Plan N cost: $93
Financial strength: A+
Aetna
Market share: 3.8%
Plan G cost: $155
Plan N cost: $93
Financial strength: A
United Healthcare
Market share: 16.53%
Plan G cost: $123
Plan N cost: $102
Financial strength: A
For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.
How Much Does a Medigap Plan Cost in Alabama?
The best price for Medicare Supplement Plan G in Alabama is $138 per month with Cigna.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$147
$138
$93
$43
$107
$45
Plan Popularity in Alabama
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Alabama for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When Can I Apply for a Medicare Supplement Plan?
The best time to enroll is during your Medigap Open Enrollment Period, a one-time opportunity that cannot be repeated. This period is six months long and starts the month that you are enrolled in Medicare Part B and are 65 years or older. During this time, you have guaranteed issue rights, which means the Medicare insurance company cannot deny you coverage or increase prices, even if you have pre-existing conditions. You're not protected by guaranteed issue rights if you apply outside your Open Enrollment period and don't qualify for special enrollment. The insurer can charge more based on pre-existing conditions, require underwriting, or deny coverage altogether.
When Under 65
Several states allow beneficiaries under the age of 65 to purchase a Medigap policy if they have a disability or ESRD (end-stage renal disease). However, these plans often cost more.
Special Enrollment Periods
There are a few times when Alabama seniors have guaranteed issue rights outside of Open Enrollment:
- You retire from or lose group coverage
- You lose a Medicare Advantage plan
- You have a Medicare SELECT insurance policy and switch to a Medigap policy within 12 months.
Ready to Learn More?
We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Cigna Medicare Supplement plan G, Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.
FAQ
Aetna, Cigna, and Mutual of Omaha are three strong contenders for a Medicare Supplement plan. Each offers a range of products with varying levels of coverage and benefits.
The average monthly cost of Medicare Supplement plans in Alabama is $50 - $220. Premiums for Medicare Supplement plans are based on age, gender, and geographic location.
The two most popular Medicare Supplement (Medigap) plans are Plan G and Plan N. Plan G provides the highest level of coverage compared to all other Medigap plans, covering most of the out-of-pocket expenses associated with Original Medicare.
If you miss the Medigap Open Enrollment Period and do not qualify for guaranteed issue rights, an insurer may deny coverage under Medigap based on your health conditions. The only exception is when a beneficiary allows for guaranteed issue rights during a special enrollment period.
Changing Medigap plans can be done at any point. However, when switching plans outside of the initial enrollment period, you could be denied coverage or have your rates increased due to a health condition or medical issues.
For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.
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