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.
Medicare plans in Huntsville, Alabama
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.
Medicare Advantage plans
In Huntsville, there are 30 Alabama Medicare Advantage plans for beneficiaries to consider. All of these options offer beneficiaries exceptional value, even though the price and benefits of each program 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 prioritizing quality service and fair pricing. At $4,900, the MOOP for Cigna’s plan is competitive with other budget options in the state. The program 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.
The average cost of Medicare Advantage plans in Huntsville, Alabama
| 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 |
Medicare Supplement plans
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 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 top-rated plan. Its premiums are higher than other Medigap plans at $134.23 to $403.37 monthly, but its benefits are excellent.
Plan F is the most comprehensive overall Medigap plan, providing adequate coverage for nearly all expenses, including excess charges. High-deductible plans are the best option for beneficiaries wishing to maximize coverage without excessive premiums.
Plan HDG offers exceptionally low premiums, ranging from $31 to $76.35, for Huntsville, Alabama, Medicare beneficiaries. Unfortunately, higher deductibles can burden patients financially during medical needs, so beneficiaries should consider this.
The average cost of Medicare Supplement plans in Huntsville, Alabama
| 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 |
Medicare Part D prescription drug plan
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, no Medigap plans 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 program 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.
The average cost of Medicare Part D plans in Huntsville
| 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
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 aren’t 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 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.
The average cost of Medicare Special Needs plans in Huntsville, Alabama
| 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 |
How to get Medicare plans in Huntsville
If you’re 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.
