Around 1,050,000 Alabama residents are currently Medicare beneficiaries. About half of those are beneficiaries of original Medicare, and the other half have a Medicare Advantage Plan. Here, we will discuss basic Alabama Medicare and your supplemental plans.

Alabama Original Medicare

  • About 527,000 people have a Medicare Part A and B plan
  • Of those beneficiaries, 420,000 aged into Medicare Parts A and B
  • Only 107,500 have Medicare Part A and B because of a disability
  • Nearly 473,000 Medicare beneficiaries also have a Medicare Advantage Plan
  • In Alabama, there are 338,000 Part D Prescription Plan beneficiaries

Medicare Costs in Alabama

Alabama Medicare Parts A and B cover most of your medical bills and treatments. Part A covers inpatient hospital coverage, while Part B covers outpatient care.

Part A is free to those who work at least ten years in their life, while Part B is available to anyone who pays a standardized monthly premium.

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

Most people have Original Medicare because of their age, but those with qualifying disabilities are also beneficiaries. Around 600,000 people have Part A coverage, with about 476,000 enrolled because of their age and 124,000 because of a disability.

Part B coverage has about 533,000 people: about 426,000 are enrollees by age and 107,000 from a disability.

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

As the years go by, healthcare costs for seniors consistently rise. You need to be sure that your coverage will pay for those bills. Healthcare coverage is the best protection from costly healthcare bills.

Unfortunately, Medicare Parts A and B won’t cover every healthcare cost you incur. They only cover some, and even then, only the approved expenses. If you want to cover all of your healthcare costs, you need a supplemental Medicare plan.

Many Part C plans, also known as Medicare Advantage plans, are available to Alabama Medicare beneficiaries. They always include at least the essential Medicare benefits but also many other benefits. There are six types of Medicare Advantage plans available in the United States.

Part C plans always have a maximum out-of-pocket (MOOP) cost. The MOOP starts at the beginning of the year—on January 1st—and lasts for the rest of the year. You are responsible for paying up to the dollar amount of the MOOP, but after you reach that threshold, the Part C plan pays for the rest.

Original Medicare doesn’t cover prescription drugs. Part D plans are a great way for people with limited income to pay for prescription drugs. These plans charge you a small monthly premium, but they cover the cost of your prescription drugs.

Private companies offer Part D plans to Medicare beneficiaries, and they organize coverage of drugs into tiers. These tiers help them spread the costs among their beneficiaries so they can afford to cover all of their prescriptions.

Supplemental plans are an excellent option for Alabama Medicare Recipients when Original Medicare is not enough for them. These plans will help cover the costs, so you don’t have to worry about affording them.

Alabama Medicare Resources

Many different resources are available to Alabama Medicare beneficiaries. The ADSS provides several programs to seniors that help with their quality of life in advanced age. Alabama Medicaid also has a program that pays for the cost of Medicare Part B Premiums. The Alabama Department of Insurance helps seniors by protecting beneficiaries and regulating the insurance market.

Also, if you aren’t comfortable enrolling in a plan on your own, we are here to help you get started!

Cities in Alabama with Medicare Supplemental Coverage Estimated Premiums

Convenient charts for some of the biggest cities in Alabama are below, with estimated premiums for Medicare Supplement coverage:

FAQs

How do I know whether I have Original Medicare in Alabama?

You can check your enrollment status online on the enrollment page. Your enrollment status will tell you whether you have Medicare or a Part C Plan. The enrollment status notifies you of your plan, the coverage, and the length of time you’ve had it.

Who is eligible for Original Medicare in Alabama?

Original Medicare has specific prerequisites to become a beneficiary. Medicare coverage is available to any individuals who may meet these qualifications. You must be 65 years old, physically disabled, or suffering from end-stage renal disease (ESRD).

Is Medicare Part A and B free in Alabama?

Part A is usually free, but Part B is not. Part A covers your inpatient hospital care and has no monthly premium. It does, however, have a sizable deductible you must pay. Part B has monthly premiums starting at $170.10 and a deductible of $233. You may get by with only Part A, but Part B is worth the extra cost for covering more.

Do you automatically get Medicare with Social Security in Alabama?

When you sign up for Social Security, they will apply for Medicare Parts A and B for you. Social Security automatically deducts the Part B premium from your monthly payment. This way, you don’t have to worry about budgeting for it.

Do I need to notify Medicare if I move to or from Alabama?

Because Medicare Parts A and B are the same nationwide, moving won’t affect you. However, you still need to notify them of your move, particularly if you change states. Alabama Medicare beneficiaries with a Medigap or Medicare Advantage plan may need to choose a different one since those plans vary between regions and states.

How To Sign Up for Supplemental Medicare in Alabama

Alabama Medicare beneficiaries have several different services available to them. Still, it is sometimes difficult to navigate these options alone.

Our agents will see what plans are available and compare them to find what is right for you and your budget. Give us a call or fill out our rate form today!

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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.