Alabama Medicare Health Insurance
In Alabama, you have two different options for Medicare. You may enroll in an Alabama Supplement Plan or a Medicare Advantage plan. Supplement plans, or Medigap, help to cover Part A and Part B services that Original Medicare does not cover. Plans are standardized by Medicare but are provided to you by private health insurance carriers. In order to receive Medicare Supplement benefits, you must be eligible for Medicare and enrolled in Medicare Part A and Part B.
The second option, Medicare Advantage plans or Part C, help cover Part A, Part B, and Part D of Medicare. Medicare Advantage plans are run by private health insurance carriers but approved by Medicare. You do not need Medicare Supplemental Insurance if you enroll in an Alabama Medicare Advantage plan.
Medicare Health Insurance Providers
How do I choose the Alabama Medicare health plan that's right for me?
As with any purchase, there are many things you need to consider when shopping for an Alabama Medicare Health Insurance plan. Evaluate the benefits you want and need out of your Alabama Medicare Health Insurance plan. Some things to think about are:
- Monthly premiums
- Annual Deductible
- Prescription drug benefits
- In-network physicians and hospitals
- Labs & x-rays
- Hospitalization expenses
- Blood work
- Skilled Nursing Coverage
- In Home Recovery
Medicare Health Insurance Plans
Medicare is classified into four different categories.
- Medicare Part A: Part A covers Hospital Insurance and gives financial assistance for inpatient care. Part A also partially covers skilled nurses, hospice, and home health care under certain conditions.
- Medicare Part B: Part B covers necessary medical services such as outpatient care and doctor services. Some preventative care is also covered to maintain your healthy status and minimize the chances that other illnesses might become more severe.
- Medicare Part C: Part C is a Medicare Advantage Plan. It combines Part A and Part B and in some instances, it also combines Part D. Medicare Part C plans are privately managed by insurance companies approved by Medicare. The plans cover necessary medical services, although, these plans have co-payments, coinsurance, and deductibles that can vary.
- Medicare Part D: Part D provides assistance covering prescription drugs. The coverage will vary depending on the plan, but it may help lower your prescription drug costs and help prevent high costs in the future.