Currently, 90,288 beneficiaries are receiving Part A and Part B Montgomery, Alabama, Medicare. Nationwide this figure is 57,316,561.
Medicare plans in Montgomery, Alabama
Unfortunately, Alabama Original Medicare doesn’t cover 100% of hospital and medical costs. To offset these expenses, many residents enroll in a Supplement Medicare Plan. The data below are quotes for different Supplemental Medicare plans based on a 70-year-old male beneficiary.
Medicare Advantage plans
Out of all Montgomery Medicare enrollees, 45.51 % are male. About 51.21% of Original Medicare beneficiaries have a Medicare Advantage plan in Alabama to help reduce their remaining healthcare costs. Currently, 25 Montgomery, Alabama, Medicare Advantage plans exist.
The first plan we’ll be covering is Viva. Like the other plans on the list, this plan has a zero-dollar premium. It also has a MOOP (maximum out-of-pocket) cost of $4,500. With a five-star rating, this plan has extensive coverage.
Humana has a Local PPO meaning it has a small service area. Humana’s Local PPO plan has a high four-star rating, a $0 monthly premium, and a low MOOP of $3,400.
Cigna is another popular plan. Unlike Humana, this plan is an HMO, meaning you’ll need to visit physicians within your network (or pay out of pocket). This plan has a MOOP of $4,900 and a four-star rating.
The average cost of Medicare Advantage plans in Montgomery, Alabama
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Viva | $0 | $4,500 | HMO | 5 |
| Cigna | $0 | $4,900 | HMO | 4 |
| UnitedHealthcare | $0 | $4,900 | HMO | 4 |
| BCBS of Alabama | $0 | $5,100 | LOCAL PPO | 4 |
| Humana | $0 | $3,400 | LOCAL PPO | 4 |
Medicare Supplement plans
Many people enroll in a Medicare Advantage Plan or supplement their Original Medicare with Medigap. The federal government standardizes Medigap plans, meaning their benefits don’t change; however, the monthly premiums will vary.
Several Alabama Medicare Supplement Plans are available, and we’ll explore three. First is Plan F, which has a monthly premium range of $148.75 to $403.37. This plan is suitable for avoiding high deductibles.
Plan HDF has a premium range of $42.00 to $87.22. This plan carries the same benefits as Plan F but a far lower premium. However, you will need to pay a higher deductible, making this plan ideal for residents that don’t receive regular medical care.
Plan G is another option with a monthly premium range of $121.27 to $386.95. Like Plan F, Plan G also has a higher deductible plan (Plan HDG).
The average cost of Medicare Supplement plans in Montgomery, Alabama
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $94.64 | $292.10 |
| PLAN B | $152.77 | $344.50 |
| PLAN C | $151.22 | $401.83 |
| PLAN D | $137.00 | $319.99 |
| PLAN F | $148.75 | $403.37 |
| PLAN HDF | $42.00 | $87.22 |
| PLAN G | $121.27 | $386.95 |
| PLAN HDG | $41.90 | $85.07 |
| PLAN K | $55.78 | $131.00 |
| PLAN L | $78.42 | $226.75 |
| PLAN M | $94.51 | $261.85 |
| PLAN N | $98.10 | $272.12 |
Medicare Part D prescription drug plans
Only some Medicare Advantage plans cover prescription drugs, and no Medigap Plans cover them. You can enroll in Montgomery, Alabama, Medicare Part D Plans to compensate for this inconvenience.
Like most other plans on this list, Humana’s four-star Part D plan has a deductible of $480 a year. The program also has a monthly premium of $22.70.
UnitedHealthcare has a premium of $29.30. Unlike the other plans on this list, its deductible is lower at $310. It also has a four-star rating, meaning it provides extensive coverage.
Wellcare is another reputable name with popular plan options. For example, Wellcare’s monthly premium for its Part D plan is $22.70, making it an excellent choice for generic medications, typically costing six dollars or less.
The average cost of Medicare Part D plans in Montgomery, Alabama
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.50 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring Health | $16.30 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
Special Needs plans
A subsection of Medicare Advantage plans, Special Needs Plans (SNPs), are available to patients with special needs or specific disabilities. Although they’re unavailable in all areas, they can help reduce healthcare costs significantly.
Simpra is the only Special Needs Plan with a zero-dollar premium on this list. Its MOOP is also lower than most other plans at$6,700.
Cigna has a monthly premium of $20, a MOOP of $7,550, and dual eligibility. It also is an HMO, meaning you’ll need to shop within your network.
Viva has the highest premium on the list at $32.70 per month. However, it also has the lowest MOOP at $6,600 annually.
The average cost of Medicare Special Needs plans
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Simpra | $0 | $6,700 | LOCAL PPO | Dual |
| Cigna | $20.00 | $7,550 | HMO | Dual |
| Aetna | $25.40 | $7,550 | HMO | Dual |
| UnitedHealthcare | $29.60 | $7,550 | HMO | Dual |
| Viva | $32.70 | $6,600 | HMO | Dual |
How to sign up for Medicare plans in Montgomery
While many residents benefit from using Original Medicare, the truth is that sometimes its coverage doesn’t go far enough. For additional coverage, Montgomery residents can use supplemental Medicare plans. Unfortunately, finding the right one can be tricky.
When you work with our team, our free service, we’ll pair you with the right plan to ensure you get the necessary care. Call or fill out our form to get rates now.
