Best Medicare Supplement Plans in Alabama

Editor's Pick:

Best Plan: Medicare Supplement Plan G
Best Company: Cigna Health Insurance Company
Best Price: $102.31 (Cigna Plan G)


Medicare Supplement plans in Alabama fill these coverage gaps. Medigap policies help pay for out-of-pocket costs such as Medicare Part A deductible, coinsurance, and copayments.

There are 10 Medicare Supplement plans in Alabama to choose from.

Of the 10 supplement plans offered, these stand out as the top 3 options:

  • In Alabama, Cigna offers the best Medicare Supplement Plan G rates for 2022.
  • Cigna also offers the best rates on Medicare Supplement Plan N, at $92.87 per month.
  • And for the lowest cost option, Omaha Insurance Company offers the best rates on High Deductible Plan G, coming in at $42.52 per month.
Best Plan G:

Cigna Medicare Supplement Plan G

  • Cigna Medicare Plan G covers everything except Part B deductible
  • Most comprehensive for those whose Medicare start date is after Jan. 1, 2020
  • Less expensive compared to Medicare Plan F for those who can choose either plan
Best Plan N:

Cigna Medicare Supplement Plan N

  • Cigna Medicare Plan N offers lower premiums in return for higher cost-share
  • Has up to $20 office visit and $50 emergency room visit copay (ER copayment waived if admitted)
  • Still good coverage
Best High Deductible Plan G:

Omaha Insurance Company High Deductible Plan G

  • Same benefits as Medicare Plan G
  • Annual deductible of $2,490
  • Significantly cheaper than Medicare Plan G
  • Cheaper than high deductible Plan F, yet covers everything except the Part B deductible
Best Full Coverage

Cigna Medicare Supplement Plan F

  • Cigna Medicare Plan F covers all out-of-pocket expenses
  • Covers the Medicare Part B Deductible
  • Medicare eligibility must start before Jan. 1, 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. You must also be able to pass medical underwriting if you do not have any guaranteed issue rights.

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How Much Does a Medigap Plan Cost in Alabama?

The best price for Medicare Supplement Plan G in Alabama is $102.31 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

$118

$108

$77

$36

$86

$45

Plan Popularity in Alabama

60%

45%

25%

15%

8%

-1%

Quotes are for sample purposes only. Prices are the average monthly rate in Iowa for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

What's The Best Medicare Supplement Insurance Company in Alabama?

With years of experience our editors have rated and selected their top picks for best company:

Best Price on Plan G in Alabama
CIGNA Health Insurance Company - 4.7 stars

Best for Customer Satisfaction
Aetna Health Insurance Company - 4.5 stars

Best for Reputation and History in the Medicare Industry

Mutual of Omaha Insurance Company - 4.5 stars


We also realize that age has a significant impact on Medicare Supplement plan prices.

Below is our list of companies offering the best rates by age, for a female, non-tobacco with household discount for Plan G.

Age

65 Years Old

70 Years Old

75 Years Old

80 Years Old

Best Price

$102.21

$107.48

$128.52

$156.36  

Company

CIGNA

CIGNA

CIGNA

CIGNA

When Can I Apply For a Medicare Supplement Plan?

Enrollment limits for Medicare Supplement insurance plans are limited. While prescription drug and Medicare Advantage insurance plans have an annual election period when you can change your insurance policy, Alabama Medigap insurance does not. Following are the times when you can join a Medigap plan in Alabama and be assured of coverage.

Aging into Medicare

The best time to apply is when you're first eligible for Medicare coverage. This is known as your Medigap open enrollment period. Here's what you need to know:

  • Open enrollment is a one-time opportunity and cannot be repeated.
  • It starts the month you have Medicare Part B coverage and are 65 or older.
  • You have guaranteed issue rights, which means the Medicare insurance company cannot deny you coverage, even if you have pre-existing conditions.
  • If you're under age 65 and receiving Social Security benefits due to a disability, you have a Medigap open enrollment period when you turn 65.

Special Enrollment Periods

There are a few other times when Alabama seniors have guaranteed issue rights:

  • 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.

Outside of These Enrollment Periods

You can change policies at any time or apply to join a plan for the first time. However, you're not protected by guaranteed issue rights if you're 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.

Because Alabama seniors typically keep their Medigap policy for life, making the right choice is critical. Our licensed insurance agents can help you compare plans and rates to ensure that you're getting the coverage you need now and in the future.

FAQ:

When can I change Medigap plans?

Medigap insurance doesn't have an annual election period where you can change plans without being subject to underwriting. Typically, Alabama seniors keep their Medigap policy forever. That's why it's essential that you carefully compare plans during open enrollment.

Can I be denied Medigap coverage?

Yes, the insurer can deny coverage if you apply outside of your open enrollment period and don't qualify for special enrollment.

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 most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare plans. So give us today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Here's what you need to know about Medicare Supplement insurance:

  • Sold through private health insurance companies
  • Plan options include ten standardized plans.
  • All plans offer basic benefits, but some plans offer more.
  • No plan covers the Medicare Part B deductible for seniors whose Medicare effective date starts Jan. 1, 2020.
  • Eligibility hinges on being enrolled in Medicare Part A and Part B.
  • Only works with Original Medicare, not Medicare Advantage
  • Guaranteed renewable as long as you pay your Part B premium
Need Help?

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(888) 414-4547

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