The city of Huntsville, Alabama, has about 127,000 Medicare beneficiaries. At a rate of 35%, Medicare enrollees in the state choose Medicare Advantage Plans at a slightly lower rate than the national average. The following sections will explore the factors in choosing between these plans for Huntsville, Alabama, Medicare beneficiaries.

Huntsville Alabama Supplemental Medicare Plans

Enrolling in an Alabama Medicare supplement plan allows you to receive coverage for services that providers would typically charge you directly. Medicare beneficiaries can choose between Medicare Supplements and Medicare Advantage plans based on their needs.

Below, we will review the options for Supplemental Medicare with quotes based on a 65-year-old male beneficiary.

Cheapest Medicare Advantage Plans in Huntsville, Alabama

In Huntsville, there are 30 Alabama Medicare Advantage plans for beneficiaries to consider. All of these options offer beneficiaries impressive value, even though the price and benefits of each plan vary.

UnitedHealthcare (HMO) is among the state’s most prominent health plan providers. In addition to earning a four-star rating, UnitedHealthcare’s plan provides a competitive MOOP (maximum out-of-pocket) of $4,500.

Similarly, Cigna (HMO) is an excellent choice for clients who prioritize quality service and fair pricing. At $4,900, the MOOP for Cigna’s plan is competitive with other budget options in the state. The plan also has a four-star rating, so beneficiaries can confidently choose this plan.

Humana’s local PPO insurance plan provides excellent coverage at a reasonable cost. Humana’s zero-dollar monthly premiums and extremely affordable $6,700 maximum out-of-pocket cost make it an attractive option for beneficiaries who prefer PPOs over HMOs.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $6,700 LOCAL PPO 4
Cigna $0 $4,900 HMO 4
BCBS of Alabama $0 $5,100 LOCAL PPO 4
Viva Healthcare $0 $5,400 HMO 5
UnitedHealthcare $0 $4,500 HMO 4

Affordable Medicare Supplement Plans in Huntsville, Alabama

Beneficiaries can avoid paying for costs Original Medicare in Alabama fails to cover with a Medicare Supplement plan. This plan protects beneficiaries from being responsible for costs they would otherwise have to bear. While you’ll get the same benefits regardless of your location, the plan costs will vary depending on several factors, including location.

Plan G balances coverage and cost and is popular among Huntsville, Alabama, Medicare beneficiaries. The monthly premium for this Medigap policy ranges from $118.90 to $386.95. Under this plan, your insurance will cover most of your medical expenses, including the deductible for Part B coverage.

Medigap Plan F is another highly popular plan. Its premiums are higher than other Medigap plans at $134.23 to $403.37 per month, but its benefits are excellent.

Providing adequate coverage for nearly all expenses, including excess charges, Plan F is the most comprehensive overall Medigap plan.

High-deductible plans are the best option for beneficiaries who wish to maximize coverage without paying excessive premiums.

Plan HDG offers exceptionally low premiums, ranging from $31 to $76.35, for Huntsville, Alabama, Medicare beneficiaries. Unfortunately, the higher deductibles can impose a financial burden on patients during medical needs, so beneficiaries should consider this.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $85.99 $246.97
PLAN B $119.00 $344.50
PLAN C $140.78 $401.12
PLAN D $120.11 $270.20
PLAN F $134.23 $403.37
PLAN HDF $31.00 $78.28
PLAN G $118.90 $386.95
PLAN HDG $31.00 $76.35
PLAN K $50.61 $127.37
PLAN L $74.00 $226.75
PLAN M $85.88 $210.81
PLAN N $88.99 $272.12

Affordable Medicare Part D in Huntsville, Alabama

Alabama Medicare Part D provides coverage for prescription drugs you can pick up at your local pharmacy. Although some Medicare Advantage plans offer Part D coverage, there are no Medigap plans that do.

Aetna has the cheapest plan in the area, offering a $5.50 monthly premium and a $480 deductible.

Premiums for the Wellcare plan are higher, at $12.90 a month with a $480 deductible. Wellcare’s plan also has a three-star rating for overall plan effectiveness.

Despite its lower deductible of $310, UnitedHealthcare’s plan has a slightly higher monthly premium of $29.30 and a higher rating of four stars.

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

SNPs (Special Needs Plans) are Medicare Advantage plans that offer unique health care to beneficiaries with qualifying medical conditions. These plans can be a significant benefit for beneficiaries as they help further reduce the costs of healthcare expenses; however, they are not available everywhere.

Wellcare’s HMO SNP offers a MOOP of $3,450 for patients with dual eligibility. It also has an affordable $0 monthly premium.

Simpra Advantage’s plan is available to dual-eligible beneficiaries with both Medicare and Medicaid. This Local PPO plan has no monthly premium and a MOOP of $6,700.

Humana’s program is another solid option with a MOOP of $7,550 for dual-eligible residents. However, it also has a higher premium of $22.80 per month.

PLAN PREMIUM MOOP Plan Type Eligibility
Simpra Advantage $0 $6,700 LOCAL PPO Dual
Wellcare $0 $3,450 HMO Dual
Cigna $20.00 $7,550 HMO Dual
Aetna $21.80 $7,550 HMO Dual
Humana $22.80 $7,550 HMO Dual

FAQs

What Medicare Supplement Plans Are Available in Huntsville, Alabama?

All Medigap letter plans are available in Alabama. Plan N, G, and F are the most popular, but beneficiaries have many options.

How to Apply for Medicare in Huntsville, Alabama?

If you receive Social Security benefits, the government will enroll you in Medicare when you reach 65. Those who want to apply themselves can contact the Social Security Administration.

What Is the Maximum Income to Qualify for Medicaid in Huntsville, Alabama?

The income limit to qualify for Medicaid in Alabama is $861 per month. Medicare beneficiaries can utilize Medicaid as well to maximize coverage.

What Are Medicare Extra Help Eligibility Requirements in Huntsville, Alabama?

Extra Help programs reduce medication costs for eligible beneficiaries. In Alabama, if single, beneficiaries must make less than $1,615 per month to qualify for the program.

How Do I Get Help Paying my Medicare Part B Premium in Huntsville, Alabama?

Qualifying beneficiaries can receive help with Part B premiums via reimbursement programs. These programs exist, so contact Social Security for more information.

How to Get Supplemental Medicare Coverage in Huntsville

If you are interested in supplemental Medicare insurance, we can help. Our agents are licensed to sell policies in Alabama. They would be happy to answer any questions about coverage or rates. You can also get a free quote by completing our online form.

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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.