There are currently 178,726 residents receiving either Part A or Part B of the Original Medicare program in Mobile, Alabama. Additionally, 86,893 residents enroll in a Medigap plan, while 91,833 have a Medicare Advantage Plan.

Mobile Alabama Supplemental Medicare Plans

Original Medicare in Alabama doesn’t cover everything, which is why people use Medicare Advantage health insurance or Medigap insurance plans. Below, we will review these plans with quotes based on a 70-year-old female beneficiary.

Affordable Medicare Advantage Plans in Mobile, Alabama

The female participation rate for Medicare Plans is 53.83%. There are currently 30 Alabama Medicare Advantage plans in Mobile County, AL.

The first plan we’re covering is Wellcare. Their HMO plan has a zero-dollar premium and a MOOP (maximum out-of-pocket) rate of $4,900. An HMO means you can’t shop outside your provider network without paying substantial out-of-pocket costs.

Medicare beneficiaries can also choose Blue Cross Blue Shield of Alabama. This plan also has a zero-dollar premium but has a MOOP of $5,100. It’s a Local PPO meaning it has a broader service area and can receive healthcare services from both in and out-of-network providers. This plan has a four-star rating.

Humana is a top-rated four-star health plan. This HMO has a MOOP of $5,600 and is widely available.

PLAN PREMIUM MOOP Plan Type Star Rating
Wellcare $0 $4,900 HMO N/A
BCBS of Alabama $0 $5,100 LOCAL PPO 4
Viva $0 $5,900 HMO 5
Ascension Complete $0 $3,450 LOCAL PPO N/A
Humana $0 $5,600 HMO 4

Average Medicare Supplement Plans in Mobile, Alabama

Alabama Medigap covers the beneficiary’s portion of costs left after Original Medicare pays its cost share. All Medigap plans are standardized nationwide, meaning their benefits don’t change from state to state or with different carriers. Private insurance companies administer these Medigap plans and are regulated by the Centers for Medicare & Medicaid Services. However, their monthly premiums and copayments can differ.

Plan F has a premium range of $129.35 to $357.62. As a result, this plan is an excellent choice for beneficiaries who don’t want to pay out-of-pocket costs.

Plan HDF has a premium range of $36.00 to $83.65 and has the same Plan F benefits but without a high premium. However, its deductible is much larger.

Plan G has excellent coverage and a premium range of $105.45 and $342.70 per month. The only difference between Plan F and Plan G is that G doesn’t cover the Medicare Part B deductible. Like Plan F, Plan G also has a high deductible plan option called Plan HDG with a lower monthly premium.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $83.59 $254.13
PLAN B $134.78 $305.50
PLAN C $133.82 $355.37
PLAN D $124.58 $278.39
PLAN F $129.35 $357.62
PLAN HDF $36.00 $83.65
PLAN G $105.45 $342.70
PLAN HDG $36.00 $76.96
PLAN K $49.25 $114.00
PLAN L $68.25 $200.87
PLAN M $83.64 $235.78
PLAN N $85.30 $241.37

Cheapest Medicare Part D in Mobile, Alabama

Some Medicare Advantage plans cover prescription drugs, while no Medigap plans cover prescriptions. To resolve this, residents can also enroll in an Alabama Part D Plan to add to their Mobile, Alabama Medicare Supplement insurance.

For a widely available plan, many residents choose Humana. This plan has a monthly premium of $22.70, a deductible of $480, and a four-star rating.

Wellcare is another choice that has a monthly premium of $12.90, a $480 deductible, and a three-star rating. Enrollees can often expect generic medications to cost six dollars or less when using this plan.

UnitedHealthcare has a far lower deductible than other plans on this list at $310. However, its monthly premium is the highest at $29.30. This plan also has a four-star rating, promising significant coverage effectiveness.

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

You can also explore Special Needs Plans (SNPs), a subsection of Medicare Advantage plans for additional coverage. While these plans aren’t available in all areas, they can help patients with special needs or disabilities receive extra coverage.

For local PPO plans, you can choose Simpra Advantage. The PPO plan offered by Simpra Advantage has a zero-dollar premium, a MOOP of $6,700, and dual eligibility.

For an HMO with a far lower MOOP, there’s Ascension Complete. This plan also carries a zero-dollar premium for dual-eligible beneficiaries. Its MOOP rate is $3,450.

The last SNP we’ll cover is Aetna. Aetna is an HMO with a monthly premium of $25.40 and a MOOP of $7,550 for beneficiaries with dual eligibility.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,450 HMO Dual
Simpra Advantage $0 $6,700 LOCAL PPO Dual
Ascension Complete $0 $3,450 HMO Dual
Cigna $0 $7,550 HMO Dual
Aetna $25.40 $7,550 HMO Dual

FAQs

What Is the Best Medicare Plan in Mobile, Alabama?

Every plan has unique benefits, and determining the best one may depend upon a patient’s needs. However, many patients find success with AARP, Cigna, and Aetna.

Does Mobile, Alabama, Have Medicare Advantage Plans?

Yes, Mobile, Alabama, has different Medicare Advantage plans you can choose from. Currently, Mobile County has 30 Medicare Advantage Plan options available.

How Do I Qualify for Dual Medicare and Medicaid in Mobile, AL?

When you’re eligible to obtain Medicaid and Medicare, you’re “dual eligible.” You must enroll in both Medicare Part A and Medicare Part B. Your household income must fall below a specific limit to qualify for Medicaid.

What Is the Lowest Income to Qualify for Medicaid in Mobile, Alabama?

Medicaid helps residents with low income or limited resources receive primary care, which is different from Original Medicare, whose main requirements are being a certain age or having specific health conditions. For Mobile, Alabama, the monthly income for an individual must be less than $1,153 to receive Medicaid. For a couple, this figure is $1,546.

Can Medigap Premiums be Deducted from Social Security in Mobile, Alabama?

Medicare Supplement premiums can’t be deducted from the Social Security check, so you’ll need to provide payment information from a bank account for most providers. Some do allow credit card payments or direct bills for an additional cost.

How to Sign Up for Supplemental Medicare in Mobile

Unfortunately, Original Medicare coverage doesn’t always cover all your medical expenses. You can sign up for a Medigap policy or Medicare Advantage plan to resolve this issue. However, many programs are available, making it hard to choose which suits your insurance and budget needs.

Luckily, our team provides a free comprehensive service and can match you with the right plan. Call us today or fill out our form to get rates now.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.