There are currently 178,726 residents receiving either Part A or Part B Mobile, Alabama Medicare. Additionally, 86,893 residents enroll in an FFS service, while 91,833 have a Medicare Advantage Plan.

Mobile Alabama Supplemental Medicare Plans

Sometimes Original Medicare in Alabama cannot cover everything, which is why people use Medicare Advantage or Medigap 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. This plan has a zero-dollar premium, a MOOP (maximum out-of-pocket) rate of $4,900, and is an HMO. An HMO means you can’t shop outside your network without paying substantial out-of-pocket expenses.

You can also choose BCBS 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 low service area. This plan has a four-star rating.

Humana is an immensely popular four-star 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 costs and services not covered by Original Medicare. All Medigap plans get standardized nationwide, meaning their benefits do not change from state to state or with different carriers. However, their monthly premiums can differ.

Plan F has a premium range of $129.35 to $357.62. As a result, this plan is an excellent choice to avoid paying a high deductible.

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. Like Plan F, Plan G also has a high deductible plan with lower monthly premiums—Plan HDG.

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

Only some Medicare Advantage Plans cover prescription drugs, and no Medigap plans cover medications. To resolve this, residents can also enroll in an Alabama Part D Plan to supplement their Mobile, Alabama Medicare.

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. When using this plan, you can often expect your generic medications to cost six dollars or less.

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 a Local PPO, you can choose Simpra Advantage. 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 Viva.

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 Plans 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. You’re also eligible if you enroll in full coverage Medicaid or a Medicare Savings Programs (MSPs). 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 medical care, which is different from Original Medicare, whose main requirements are being a certain age or having specific disabilities. 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?

You can deduct your Medigap premiums from your monthly Social Security check. You also have the option to pay the insurance provider directly.

How to Sign Up for Supplemental Medicare in Mobile

Unfortunately, Original Medicare doesn’t always cover all your medical expenses. To resolve this issue, you can sign up for supplemental Medicare. However, many plans are available, making it hard to choose which is right for 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.

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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.