Alabama Medigap Information
Information provided by our Alabama Medicare Supplement Representatives
Alabama is unofficially nicknamed the Yellowhammer State, after the state bird. Alabama is also known as the “Heart of Dixie.” The state tree is the Longleaf Pine, the state flower is the Camellia. The capital of Alabama is Montgomery. The largest city by population is Birmingham. The largest city by total land area is Huntsville. The oldest city is Mobile, founded by French-colonists.
Birmingham, Montgomery, Mobile, Huntsville
To find out more information about Alabama Medigap plans, contact an Alabama Medicare Supplement representative today or use our quote form below.
Medigap Information for Alabama
In the great State of Alabama there are 20 different companies that combined are offering 96 Supplement Insurance Plans from A – N. The plans in the chart below have been approved by the Centers for Medicare and Medicaid Services(CMS) otherwise known as Medicare. These Alabama Medicare Supplement Insurance Plans have all been standardized by the federal government for your protection since 1992. Knowing that there are 96 Supplement Insurance Plans available, it is important for you to find the best rate for these 96 plans so that you may find what is best for your budget.
Whether you’re on a fixed income or not, it is imperative that you find a Medicare Supplement Insurance Plan that covers all the gaps left by original Medicare and does not compromise your health or financial well-being. The importance of finding the perfect plan is that this could be the difference in saving your life. What this means is that all of the Supplement Insurance Plan benefits are the same regardless of what company you buy your Plan through. For example when you buy a Alabama Medigap Insurance plan G from AARP, it will give you the same coverage and benefits as a Plan G from Mutual of Omaha, Blue Cross Blue Shield, or Humana.
The only two variations between Medicare Supplement Plans will be in the companies underwriting and rates. Your Alabama State Manager is a licensed and certified field underwriter who will be able to assess your health status and determine your eligibility over the phone.
* Plan F may be offered with a high-deductible option of $2,070. The benefits are the same as in the standardized plan, but the deductible must be met each year before any claims are paid.
- After you have paid out-of-pocket expenses for plan K ($4,660) or L ($2,330) for covered benefits during a calendar year, the plan will pay 100% of covered benefits for the remainder of that year. The Part B deductible ($140 in 2012) is not a covered benefit but counts toward the out-of-pocket limit. Part B excess charges are not a covered benefit and their payment does not count toward the out-of-pocket limit.
- You pay up to $20 for each office visit. Plan N pays the remainder of any Part B approved coinsurance charges. The office visit copayment applies to all office visits by any provider authorized to bill Medicare for those visits. There is no annual limit on this copayment, and it must be paid for each office visit, even if you have several visits on the same day. The copayment for emergency room use is waived only if you are admitted to a hospital and Medicare covers the ER visit under Part A.
Who offers Medicare Supplement Plans in Alabama?
- American Republic
- Bankers Fidelity
- Blue Cross Blue Shield
- Colonial Penn
- First Community Health Plan
- Globe Life
- Government Personnel Mutual Life
- Guarantee Trust
- Liberty National
- Physicians Mututal
- Reserve National
- State Mututal
- Sterling Life
- United American
- United World
MedicareMall can help you determine which company works best with your needs. If you would like more information on Alabama Medigap policies, contact an Alabama Medicare Supplement representative today or use our quote form below.