Nearly 480,000 Medicare beneficiaries reside in Birmingham, Alabama. Medicare enrollees choose to enroll in Medicare Advantage Programs at a rate of 48.30%, which is higher than the national average.

In the following sections, we’ll discuss the advantages and disadvantages of these plans for Birmingham, Alabama, and Medicare beneficiaries.

Birmingham, Alabama Supplemental Medicare Plans

You can obtain coverage for services typically paid out-of-pocket by purchasing an Alabama supplement plan. Medigap plans offer different benefits than Medicare Advantage plans, so Medicare beneficiaries need to review their options carefully.

Below, we will look at different plan options with quotes based on a 65-year-old female beneficiary.

Average Medicare Advantage Plans in Birmingham, Alabama

There are 37 Alabama Medicare Advantage plans available in Birmingham. There are significant differences in benefits and costs among these options, but all offer meaningful value to beneficiaries.

One of the best health plan providers in the state is Wellcare (HMO). Wellcare’s affordable and high-quality services are suited to those who want the most for their money, as their plan comes with a competitive MOOP (maximum out-of-pocket) of $4,900.

Likewise, Cigna (HMO) is a fantastic option for clients who focus on reliable service. The MOOP is slightly higher than competitors at $5,000, but this option receives a four-star rating and has a zero-dollar monthly premium.

Humana (Local PPO) is an excellent PPO plan that provides solid coverage at an affordable price. Humana’s zero-dollar monthly premium and extremely reasonable $3,400 maximum out-of-pocket cost make it ideal for beneficiaries who prefer to avoid HMO plans.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $4,900 HMO N/A
UnitedHealthcare $0 $5,000 HMO 4
Cigna $0 $5,000 HMO 4
Aetna $0 $5,500 LOCAL PPO 4
Humana $0 $3,400 LOCAL PPO 4

Cheapest Medicare Supplement Plans in Birmingham, Alabama

You can reduce costs that Original Medicare in Alabama does not cover by purchasing a Birmingham, Alabama, Medicare Supplement plan. The benefit of these plans is that they protect beneficiaries from the expenses they would otherwise need to pay themselves. Supplement plan benefits remain the same with every carrier and every state, but premiums will vary.

Plan G is popular with beneficiaries due to its balance of coverage and cost. The cost of this Medigap policy varies from $115.37 to $342.90. Insurance will pay most of your medical expenses with this plan, including your Part B deductible.

Another one of the most popular Medigap plans is Plan F. Despite higher premiums than other Medigap plans; this plan offers attractive benefits. Plan F has monthly premiums ranging from $128.02 to $357.62.

Beneficiaries who want to maximize coverage without excessive premiums can explore high-deductible plans. For example, an extremely affordable option for beneficiaries in Birmingham, Alabama, Plan HDF offers premiums ranging from $27 to $77.90 per month.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $75.92 $214.86
PLAN B $123.05 $305.50
PLAN C $135.80 $355.37
PLAN D $121.92 $236.87
PLAN F $128.02 $357.62
PLAN HDF $27.00 $77.90
PLAN G $115.37 $342.90
PLAN HDG $27.00 $76.00
PLAN K $44.66 $112.75
PLAN L $69.83 $200.87
PLAN M $82.84 $189.81
PLAN N $84.87 $241.37

Affordable Medicare Part D in Birmingham, AL

Alabama Part D plans will help cover the costs of prescription medications. No Medigap plans offer Part D coverage; only some Medicare Advantage plans do. Therefore, enrolling in Part D in Birmingham, Alabama, is vital to building a comprehensive Medicare coverage plan.

Aetna offers the cheapest local plan, with a premium of $6.50, a three-star plan rating, and a deductible of $480.

Wellcare’s plan has a higher premium at $12.90 a month and a deductible of $480.

UnitedHealthcare’s deductible is lower, at $310, but it has a slightly higher monthly premium at $29.30. Despite the higher premium, this plan has an impressively high four-star rating.

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

Medicare Special Needs Plans

A Medicare Advantage Special Needs Plan (SNP) offers medical coverage tailored to the needs of beneficiaries with specific medical conditions or disabilities. Unfortunately, these plans are not available in all areas.

Wellcare offers an SNP with a MOOP of $3,450 and a $0 monthly premium for patients with dual eligibility.

Additionally, Ascension Complete’s plan for dual-eligible beneficiaries has the same MOOP of $3,450.

Another solid option with dual eligibility is Aetna’s HMO plan, which has a MOOP of $7,550 but also comes with a monthly premium of $21.80.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 LOCAL PPO Dual
Simpra Advantage $0 $6,700 LOCAL PPO Dual
Ascension Complete $0 $3,450 HMO Dual
Cigna $0 $7,550 HMO Dual
Aetna $21.80 $7,550 HMO Dual

FAQs

What Are the Part D Plans Available in Birmingham, Alabama?

Alabama beneficiaries can choose from stand-alone Part D plans and MAPD plans. MAPD plans are Medicare Advantage plans that also include Part D coverage.

What Is the Best Medicare Supplement Plan in Birmingham, Alabama?

Choosing the best Supplement plan depends on your healthcare and financial needs. However, Humana’s Part D plan is the most popular in Birmingham, Alabama.

What Medicare Insurance Plans Are Available in Birmingham, Alabama?

Beneficiaries in Alabama can choose from 66 different Medicare Advantage plans. The benefits of these plans vary, so contact Medigap.com for help determining the best option.

Who Qualifies for Medicare in Birmingham, Alabama?

Anyone who qualifies for Social Security benefits also qualifies for Medicare. You may also qualify if you are fully disabled or have chronic conditions such as End-Stage Renal Disease (ESRD) or Lou Gehrig’s Disease (ALS).

How to Sign Up for Supplemental Medicare in Birmingham, Alabama

Whether you want to enroll in Medigap, Part D, or Medicare Advantage, our licensed agents are here to help. They just need to collect some information from you to determine what supplemental Medicare plans are available in Birmingham, Alabama, that will meet your healthcare needs. Give us a call, or complete our form to get rates.

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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.