Medicare Advantage Plans in Alabama

If you are enrolled in a Medicare Advantage plan in Alabama, you have all the benefits guaranteed by Original Medicare (Medicare Part A and Medicare Part B).

You will pay the monthly Part B premium, which is $164.90 in 2023.

With Medicare Advantage, you will choose a policy provided by a private insurance company. Medicare pays the company to provide for your health care needs. The insurance company will be responsible for all claims, administration, and customer service for the plan.

You may choose a health maintenance organization (HMO), a preferred provider organization (PPO), or a private fee-for-service (PFFS). You will need to choose network providers, including doctors, hospitals, and other medical facilities.

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Top-rated Medicare Advantage Providers in Alabama

  • Viva Health
  • Aetna
  • Cigna
  • Health Spring
  • Blue Cross Blue Shield of Alabama
  • Community HealthFirst
  • Humana

Popular Medicare Advantage Plan Types in Alabama

Best network freedom: Medicare Advantage PPO

PPO plans have a more extensive network and need no referrals.

The PPO monthly premium ranges from $0 to $100.

An Alabama Medicare Advantage plan may offer extra benefits not covered by Original Medicare.

These may include:

  • Dental care benefits
  • Vision care benefits
  • Hearing exam and hearing aid benefits
  • Prescription drug plans
  • Fitness benefits like gym memberships and more

Best for lowest out-of-pocket: Medicare Advantage HMO Plan

The HMO monthly premium is usually $0.

Using the referral network gives HMO plans lower out-of-pocket costs.

Best for low income or health conditions: Medicare Advantage D-SNIP

Best for those with a very limited income or with permanent, chronic health conditions like end-stage Renal disease.

Medicare recipients on this plan can have Medicare AND Medicaid to decrease out pocket costs on copays, premiums, and coinsurance. In addition, with this plan, Part B deductibles are ordinarily low to $0.

Alabama Enrollment Facts:

1. Number of people enrollment in Medicare Advantage in Alabama

About 473,000 people are enrolled in an Alabama Medicare Advantage Plan

2. Number enrolled by plan, specifically the three plans below.

Local HMO – 178,308

Local PPO – 199,652

Regional PPO – 10,325

3. Percentage of Medicare beneficiaries enrolled in Medicare advantage in Alabama

Statistics show that 44% of Medicare beneficiaries are enrolled in Medicare Advantage plans in Alabama.

4. Number of lives enrolled in Medicare Advantage nationwide

Nearly 27 million people are enrolled in Medicare Advantage plans nationwide. The number is expected to rise to 29.5 million in 2022, according to the Centers for Medicare & Medicaid Services.

5. Percentage of Medicare beneficiaries enrolled in Medicare advantage Nationwide

Across the. U.S., 42% of Medicare recipients are enrolled in Medicare Advantage plans.

How much does Medicare Advantage in Alabama cost?

Most states have at least one HMO plan with a $0 premium.

Some states have at last one $0 premium PPO plan, although it is becoming more common for PPO plans to have premiums.

Plan availability varies from one county to another.

Alabama has 51 MAPD plans, slightly lower than the national average. Still, its average MAPD plan premium of $24.28 is around $9 below the national average.

The MAPD drug deductible is about $30 below the nationwide average of $137.50.

How much do Advantage Plans cost in Alabama?

PPO Plan $0.00 to $$24.28

HMO Plan $0.00

When can I enroll in a Medicare Advantage plan?

Initial Enrollment Period

Your first chance to enroll in a Medicare Advantage Plan in Alabama is during your Initial Enrollment Period (IEP). This starts three months preceding the month you turn 65, includes your birthday month, and ends three months after your birthday month. During your Initial Enrollment Period, you can:

  • Enroll in Original Medicare (Medicare Part A and Part B)
  • Purchase a Medicare Supplement Plan (Medigap)
  • Purchase a Medicare Advantage Plan
  • Purchase a Medicare Part D prescription drug plan

Open Enrollment Period – AKA Annual Election Period

You can make changes to existing plans from October 7 to December 15 each year during the Annual Election Period (AEP).

Anyone who did not enroll in Original Medicare during their IEP can do so during the Annual Election Period. In addition, people with Medicare Advantage plans can change from one plan to another or drop the Advantage plan to return to Original Medicare.

Enrollees with Original Medicare can purchase the prescription drug plan of their choice. Others can drop Part D without choosing a new plan.

Medicare Advantage Open Enrollment Period

Between January 1 and March 31 each year, the Medicare Open Enrollment Period (OEP) provides another opportunity to enroll in a Medicare Advantage plan or exchange one Part C health insurance plan for another.

Changes made during the OEP take effect on July 1 of the same year.

Special Enrollment Periods – Special Circumstances

Situations that may qualify for a special enrollment period (SEP) include:

  • Losing employer-based insurance coverage or Medicaid
  • Entering or leaving residency in a nursing home or other long-term care facility
  • Moving to a place outside your current plans service area
  • Moving to an area that offers additional coverage options
  • Moving back to the US after living in a foreign country

5-Star Special Enrollment Period

Medicare grades each plan annually with a star rating based on customer satisfaction surveys, plan ratings, and healthcare providers. 5-Star Medicare Advantage plans are in great demand.

Suppose your plan has less than a 5-star rating, and you discover a Medicare Advantage, prescription drug, or cost plan with a 5-star rating. In that case, you can exchange your current plan for the 5-star plan anytime between December 8 and November 30 of the following year (one time only).

Be careful in making this change. Consulting a Medicare insurance agent could prevent costly mistakes. Each plan has detailed specifics. MA plans include various levels of drug coverage. In enrolling in a new Advantage plan, you could inadvertently lose your Part D plan and have to wait for another open enrollment period to replace it with possible penalties.

In enrolling in a 5-star Part D plan, you may overlap some coverage and lose your Medicare Advantage plan, possibly being returned to Original Medicare without the benefit of a Medigap plan.

An insurance agent can help you make this desirable change without any complications.

Special Enrollment Periods if you get “Extra Help”

Most Medicare recipients must change their prescription drug coverage during an Open Enrollment Period. Those with Medicaid coverage or eligibility for Extra Help paying for Part D can request changes to their prescription drug coverage once during each of these periods:

  • January – March
  • April – June
  • July – September

This Special Enrollment Period does not occur from October through December, but all Medicare beneficiaries can make plan changes during that time.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.

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