Medicare in Alabama
Find affordable Medicare plans in Alabama
Alabama beneficiaries have a variety of Medicare insurance plan options available to them, as well as various resources to help them understand their coverage options.
Medicare beneficiaries in Alabama, like most beneficiaries across the country, have the following choices when it comes to their Medicare coverage:
- Original Medicare (Part A and Part B)
- Medicare Supplement (Medigap) insurance plans
- Medicare prescription drug coverage (Medicare Part D)
- Medicare Advantage plans (Medicare Part C)
If you’re an Alabama beneficiary, you can choose to get your Medicare coverage through the federal program, Original Medicare, Part A and Part B. Since Original Medicare doesn’t cover most prescription drugs, you can then add on this coverage by enrolling in a stand-alone Medicare Prescription Drug Plan.
Alternatively, you can choose to get your Medicare coverage with a Medicare insurance plan, such as a Medicare Advantage plan. With a Medicare Advantage plan, you’ll generally get prescription coverage through your health plan, not a separate Medicare Prescription Drug Plan. Medicare Advantage plans are required to offer at least the same level of coverage as Original Medicare, and many also cover additional benefits beyond Medicare Part A and Part B, such as health wellness programs, prescription drugs, or routine vision and dental.
Medicare resources in Alabama
Alabama Department of Senior Services – The Alabama Department of Senior Services is a state agency that administers programs for seniors in the state. The agency also provides information about Medicare through its State Health Insurance Program (SHIP). SHIP offers free counseling services for Medicare beneficiaries with questions about their coverage. SHIP counselors can help provide information about specific benefit options for the state, offer assist with Medicare claims, and give referrals to other relevant government offices. The Alabama Department of Senior Services also provides information about preventing Medicare fraud waste, and abuse through its Senior Patrol program.
Southern Alabama Regional Council on Aging (SARCOA) – Beneficiaries in the southern region of the state can find additional assistance through the Southern Alabama Regional Council on Aging. SARCOA offers detailed information about Medicare Part D coverage to help individuals understand how this benefit works and the type of coverage that may best suit their needs. Although the office primarily serves the southern part of the state, Alabama residents throughout the state can find valuable information about Medicare plans.
Alabama Department of Insurance – The Alabama Department of Insurance regulates the insurance industry for the state, while providing protection and information to Alabama consumers and beneficiaries. The department also provides information on Medicare plans and tips for purchasing additional coverage.
Alabama Medicaid Department: This department offers information about Medicare Savings Programs, which are available to Medicare beneficiaries with limited income and resources to help them cover certain Medicare costs. Depending on your level of income, you may be eligible for help with out-of-pocket costs like Medicare premiums, copayments, coinsurance, and deductibles. There are four Medicare Savings Programs available, each corresponding with a different level of assistance.
Facts about Medicare coverage in Alabama in 2018
According to the Centers for Medicare and Medicaid Services (CMS) Medicare Enrollment Dashboard and 2018 MA Part D Landscape report:
- Alabama had more than 1 million people enrolled in Medicare in 2018
- 39% of Medicare beneficiaries had Medicare Advantage plans while 61% had Original Medicare Part A and Part B
- 47 Medicare Advantage plans were available in 2018 and 25 stand-alone Medicare prescription drug plans were available
- 100% of people with Medicare had access to a Medicare Advantage plan
36% of people with a Medicare prescription drug plan get Extra Help (also called the low-income subsidy or LIS)
If you’re a Medicare beneficiary in Alabama, you may have questions about the type of coverage that may fit your situation. Contact eHealth today to speak with a licensed insurance agent who can help you with your Medicare questions and find Medicare plan options for your health needs and budget.
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This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply.” Benefits, and/or copayments/co-insurance may change on January 1 of each year.