There are currently just over 1,059,000 Medicare beneficiaries in Alabama. Of these beneficiaries, some are enrolled in all parts of Medicare, and some are only enrolled in a few. Below, we’ll go over the basics and the different supplemental plans available to Alabamians.

Medicare in Alabama: Facts & Figures

  • There are around 525,000 Alabamians enrolled in both Part A & Part B
  • 425,000 aged into Medicare, the other 107,000 became eligible due to a disability
  • Over 470,000 Medicare beneficiaries in Alabama are enrolled in a Medicare Advantage plan
  • There are almost 338,000 Alabamians enrolled in a Medicare Part D prescription drug plan

Medicare Costs in Alabama for 2022

Part A is your inpatient coverage. Anyone with a minimum 10-year employment history (equal to 40 quarters) can get Part A for free. Part B is your outpatient coverage & comes with a standard monthly premium. Part B covers expenses that occur outside of a hospital. This includes yearly checkups, flu shots, medical supplies, and outpatient treatments.

Medicare Part A Costs in 2022 Medicare Part B Costs in 2022
  • Part A is premium-free for most
  • Part A deductible is $1,556 per benefit period
  • Inpatient hospital stay days 61-90 is $389
  • The standard Part B premium is $170.10
  • The annual deductible for Part B is $233
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

There are just over 599,000 beneficiaries in Alabama that are enrolled in Part A. There are another 533,000 enrolled in Part B. Just over 120,000 enrolled due to a disability, the remaining aged in.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Alabama

Alabamians have seen their health care costs steadily rise over the last several years. In order to protect yourself from paying exorbitantly high healthcare costs during your golden years, you’re going to have to make sure you get the most affordable and comprehensive healthcare coverage available to you. But that can be tricky when it comes to Medicare.

You have a few options when it comes to supplementing Original Medicare. Some beneficiaries choose to go for a Medicare Supplement plan in Alabama. Many people prefer these plans because their standardized and easy to understand compared to other insurance policies.

They provide benefits that Medicare Part A & B do not for a relatively low monthly premium. They are provided by private companies. Medigap plans work with the government to make sure you get the care you need at an affordable cost. Beneficiaries in Alabama who enroll in a Medigap plan usually also enroll in a Part D prescription drug plan to pay for their medications.

Other beneficiaries decide to enroll in a Medicare Advantage plan in Alabama instead of a Medigap plan. Medicare Advantage plans are sometimes a better fit for those on a limited income. Some Part C plans will also include prescription drug coverage.

Medicare in Alabama by City

With a state that has a little more than 5,000,000 total residents, about 1 in every 5 people is located in or around the following 5 cities. Even if you don’t live in these places, these are also spots where the best health care in the state likely resides. So it’s to your benefit to know more about how each fare in terms of medicare resources.

Alabama Medicare Resources

There are a few resources available to Medicare beneficiaries in Alabama. One is the Alabama Department of Senior Services. Some other state resources include the Alabama Medicaid office & the Alabama Dept of Insurance. If you’re looking for assistance in enrolling in a supplemental Medicare plan, we’re here to help!

FAQs

What does Medicare cover in Alabama?

Medicare in Alabama is standardized by the federal government. Part A covers your inpatient services, Part B covers your outpatient services, & Part D covers your prescription drugs.

What is the best Medicare plan in Alabama?

The best Medicare plan in Alabama for you depends on many factors including your current health, location, and when you enroll. There is no one size fits all.

How much is Medicare in Alabama?

The cost you pay for Part A & Part B in Alabama is the same as every other state. The cost for Part D, Part C, and Medigap is dependent on the above-mentioned factors.

How to Sign Up for Supplemental Medicare in Alabama

Navigating Medicare is not an easy task. That’s why working with a licensed agent is in your best interest. There is no cost to you, the services are free. To see what plans are available in your area, give us a call. Or you can complete our rate form to get rates in your area.

by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
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