Medicare Part D in Alabama in your prescription drug coverage. Even if you don’t use enough prescription drugs to warrant buying insurance, your circumstances may change in the future. And should they change, not having prescription drug coverage could cause you a lot of financial trouble.

Alabama Part D Plans

You can only enroll in prescription drug plans at certain times. If you’re caught off guard by a sudden need for insurance, you may have to pay costs out of pocket for a period of time before you’re allowed to enroll in a plan. And generally, the longer you wait to buy drug coverage after becoming a Medicare beneficiary, the larger your penalty will be once you enroll.

Medicare Part D is a standalone prescription drug plan added on to Parts A and B, available in all Alabama counties. On the other hand, Alabama Medicare Advantage plans are a package deal including everything Original Medicare does, with added services like dental coverage. They may include prescription drug coverage as well. Unlike Part D, Medicare Advantage plans are restricted by your county and region.

If you’re currently in a Medicare Advantage plan, you may find Part D offers you a better deal for prescription drug coverage. Keep in mind that once you enroll in Part D, you will be disenrolled from your Medicare Advantage plan immediately and returned to Original Medicare. The same thing happens if you try to enroll in a Medicare Advantage prescription drug plan from Original Medicare.

When to Sign Up for Part D in Alabama

There are several times you can enroll in Part D. The first and largest window of time you have to sign up with is your Initial Enrollment Period. This period lasts for seven months around the time you become eligible for Medicare. For three months before the month, you turn 65 (or three months before your 25th month of Social Security Disability benefits), and three months after, you can sign up for Part D without penalty.

If you didn’t sign up for Part D in this period, there is an Annual Election Period every October 15th to December 7th. During this time you can decide to enroll in Part D, disenroll, or change your drug prescription plan.

Generally, the Annual Election Period is your only chance to enroll in Part D. However, there are conditions that will allow you to get a Special Election Period and change/enroll in a prescription drug plan at other times of the year. For example, you can qualify if you change addresses and your new address doesn’t get prescription drug coverage from your previous plan.

What are my choices?

Organization Name Plan Name Plan ID Benefit Type Total Premium Drug Deductible Gap Coverage
Aetna Medicare Aetna Medicare Rx Saver (PDP) 46 Actuarially Equivalent Standard $25.00 $360.00 No
BlueRx (PDP) BlueRx Option II (PDP) 1 Enhanced Alternative $113.50 $0.00 No
BlueRx (PDP) BlueRx Option I (PDP) 6 Actuarially Equivalent Standard $70.30 $360.00 No
EnvisionRx Plus EnvisionRxPlus Silver (PDP) 12 Actuarially Equivalent Standard $34.60 $360.00 No
Express Scripts Medicare Express Scripts Medicare – Value (PDP) 114 Actuarially Equivalent Standard $30.70 $360.00 No
Express Scripts Medicare Express Scripts Medicare – Choice (PDP) 182 Enhanced Alternative $86.90 $360.00 No
First Health Part D First Health Part D Value Plus (PDP) 135 Enhanced Alternative $34.70 $0.00 Yes
First Health Part D First Health Part D Premier Plus (PDP) 170 Enhanced Alternative $71.30 $0.00 Yes
Humana Insurance Company Humana Enhanced (PDP) 1 Enhanced Alternative $66.20 $0.00 Yes
Humana Insurance Company Humana Preferred Rx Plan (PDP) 106 Actuarially Equivalent Standard $29.40 $360.00 No
Humana Insurance Company Humana Walmart Rx Plan (PDP) 158 Enhanced Alternative $18.40 $360.00 No
Magellan Rx Medicare Magellan Rx Medicare Basic (PDP) 12 Actuarially Equivalent Standard $32.80 $360.00 No
SilverScript SilverScript Choice (PDP) 24 Basic Alternative $21.40 $0.00 No
SilverScript SilverScript Plus (PDP) 25 Enhanced Alternative $77.30 $0.00 Yes
Stonebridge Life Insurance Company Transamerica MedicareRx Classic (PDP) 11 Actuarially Equivalent Standard $117.20 $360.00 No
Symphonix Health Symphonix Value Rx (PDP) 16 Actuarially Equivalent Standard $29.60 $360.00 No
Symphonix Health Symphonix PrimeSaver Rx (PDP) 56 Enhanced Alternative $38.60 $200.00 No
United American Insurance Company United American – Enhanced (PDP) 15 Enhanced Alternative $72.90 $90.00 Yes
United American Insurance Company United American – Select (PDP) 83 Actuarially Equivalent Standard $49.40 $360.00 No
United American Insurance Company United American – Essential (PDP) 117 Enhanced Alternative $42.20 $230.00 No
UnitedHealthcare AARP MedicareRx Preferred (PDP) 11 Enhanced Alternative $60.90 $0.00 No
UnitedHealthcare AARP MedicareRx Saver Plus (PDP) 357 Actuarially Equivalent Standard $39.30 $360.00 No
WellCare WellCare Simple (PDP) 1 Actuarially Equivalent Standard $27.10 $360.00 No
WellCare WellCare Classic (PDP) 149 Basic Alternative $27.80 $360.00 No
WellCare WellCare Extra (PDP) 184 Enhanced Alternative $67.10 $0.00 No

Get Help Choosing a Part D Plan in Alabama for 2022

There are many Part D plans available in Alabama. To get an overview of what options are available in your area, please give us a call or complete our rate form.

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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