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Medicare Advantage Plans (Part C) in Alabama

No obligation to enroll

How Do Alabama’s Medicare Advantage Plans Work?

Residents living in the Yellowhammer state, better known as Alabama, become eligible for a Medicare Advantage Plan around the age of 65 or sometimes earlier for individuals with certain disabilities. The federally administered program helps consumers in the Heart of Dixie obtain medical coverage or hospital insurance through Medicare Part A and doctor’s office and other medical care through Medicare Part B. Unlike choosing a football team to cheer for in Alabama, there are options for healthcare coverage through a Medicare Advantage Plan in Alabama.

Medicare Advantage (MA) plans also go by the name of Medicare Part C. The purchase of a Medicare Advantage Insurance plan is a way to receive the benefits associated with Medicare Part A (hospital insurance) and/or Medicare Part B (medical/doctor’s office insurance). Medicare Advantage plans in Alabama are easy to obtain through private insurance companies, are approved by Medicare, offer at least the same level of coverage as Medicare Part A and Medicare Part B and replace current coverage from Medicare Part A and Medicare Part B.

Many people select a MA Plan because of the included benefits. Alabamians in need of vision care, hearing aids, dentures, dental care and other routine medical services should think about a Medicare Advantage Plan in Alabama because these types of benefits are typically included.

How Do Alabama’s Medicare Advantage Plans Work?

Residents living in the Yellowhammer state, better known as Alabama, become eligible for a Medicare Advantage Plan around the age of 65 or sometimes earlier for individuals with certain disabilities. The federally administered program helps consumers in the Heart of Dixie obtain medical coverage or hospital insurance through Medicare Part A and doctor’s office and other medical care through Medicare Part B. Unlike choosing a football team to cheer for in Alabama, there are options for healthcare coverage through a Medicare Advantage Plan in Alabama.

Medicare Advantage (MA) plans also go by the name of Medicare Part C. The purchase of a Medicare Advantage Insurance plan is a way to receive the benefits associated with Medicare Part A (hospital insurance) and/or Medicare Part B (medical/doctor’s office insurance). Medicare Advantage plans in Alabama are easy to obtain through private insurance companies, are approved by Medicare, offer at least the same level of coverage as Medicare Part A and Medicare Part B and replace current coverage from Medicare Part A and Medicare Part B.

Many people select a MA Plan because of the included benefits. Alabamians in need of vision care, hearing aids, dentures, dental care and other routine medical services should think about a Medicare Advantage Plan in Alabama because these types of benefits are typically included.

Compare Medicare plans and request a free quote today!

Not Sure if You’re Eligible for an Alabama Medicare Advantage Plan?

If you’re eligible for Medicare Parts A and B, you’re also eligible for enrollment in a Medicare Advantage plan. This assumes you live in an area where Medicare Advantage plans are sold and may depend on the county or zip code where you reside. Buying insurance in the form of a Medicare Advantage plan specific to Alabama residents could help save you money because many Medicare Advantage plans have $0 monthly premiums. Depending on the Medicare Advantage plan you enroll in, copayments, coinsurance and deductibles will vary.

Alabama residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement (Medigap) plan at the same time. A Medicare Supplement plan (Medigap) helps cover some of the gaps in coverage including copayment, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

What Prescription Drugs Are Covered in Alabama’s Medicare Advantage Plans?

Any resident of the 67 counties in Alabama looking for prescription drug coverage should consider a Medicare Part C plan as most Medicare Advantage plans also include Part D prescription drug coverage. A Medicare Advantage Plan with prescription drug coverage is called a MAPD and provides drug coverage for prescription drug costs. Enrolling in a MAPD could protect Alabama consumers from high Rx costs in the future.

Alabama residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement (Medigap) plan at the same time. A Medicare Supplement plan (Medigap) helps cover some of the gaps in coverage including copayment, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

What Prescription Drugs Are Covered in Alabama’s Medicare Advantage Plans?

Any resident of the 67 counties in Alabama looking for prescription drug coverage should consider a Medicare Part C plan as most Medicare Advantage plans also include Part D prescription drug coverage. A Medicare Advantage Plan with prescription drug coverage is called a MAPD and provides drug coverage for prescription drug costs. Enrolling in a MAPD could protect Alabama consumers from high Rx costs in the future.

What Are the Most Popular Medicare Advantage Plans in Alabama?

Centers for Medicare & Medicare Services (CMS.gov), 50% of Alabama residents enrolled in an MA plan select a Local PPO plan while 47% enroll in an HMO/HMOPOS. Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage Plan in Alabama for your needs.

You can become more informed about Medicare Advantage plans available in Alabama by contacting a SelectQuote licensed sales agent who can guide you through the Medicare maze. Acting as your advocate, our licensed sales agents help you weigh the Medicare Advantage plan options in your region, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to match a plan to your needs.

Is There a Timeframe for Enrollment in a Medicare Advantage Plan?

Enrollment in a MA Plan occurs during specified enrollment periods. Medicare enrollment in Alabama opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends 3 months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re an Alabama resident with a September birthday, your IEP runs from June through December.

You may also enroll in a Medicare Advantage plan during the Medicare Advantage and Prescription Drug Plan Annual Enrollment Period (AEP), which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Alabama residents can:

  • Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
  • Change from one Medicare Advantage Plan to another
  • Switch from one Prescription Drug (Part D) plan to another
  • Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Alabama residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is an Alabama Medicare Advantage Plan Right for You?

You deserve to get all the available benefits and SelectQuote is here to help. Our agents help you stay up to date with the annual updates to Medicare plans made by insurance companies. As a trusted third-party company, SelectQuote is here to guide Alabama residents in finding the right Medicare Advantage Plan to meet your needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

Is an Alabama Medicare Advantage Plan Right for You?

You deserve to get all the available benefits and SelectQuote is here to help. Our agents help you stay up to date with the annual updates to Medicare plans made by insurance companies. As a trusted third-party company, SelectQuote is here to guide Alabama residents in finding the right Medicare Advantage Plan to meet your needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.