There are currently 90,288 beneficiaries receiving Part A and Part B Montgomery, Alabama Medicare. Nationwide this figure is 57,316,561.

Montgomery Alabama Supplemental Medicare Plans

Unfortunately, Alabama Original Medicare doesn’t cover 100% hospital and medical costs. To offset these expenses, many residents enroll in a Supplement Medicare Plan. The data below are quotes for different Supplemental Medicare plans based on a 70-year-old male beneficiary.

Average Medicare Advantage Plans in Montgomery, Alabama

Out of all Montgomery Medicare enrollees, 45.51 % are male. About 51.21% of Original Medicare beneficiaries have a Medicare Advantage plan in Alabama to help reduce their remaining healthcare costs. Currently, 25 Montgomery, Alabama Medicare Advantage Plans exist.

The first plan we’ll be covering is Viva. Like the other plans on the list, this plan has a zero-dollar premium. It also has a MOOP (maximum out-of-pocket) cost of $4,500. With a five-star rating, this plan has extensive coverage.

Humana has a Local PPO meaning it has a small service area. Humana’s Local PPO plan has a high four-star rating, a $0 monthly premium, and a low MOOP of $3,400.

Cigna is another popular plan. Unlike Humana, this plan is an HMO, meaning you’ll need to visit physicians within your network (or pay out of pocket). This plan has a MOOP of $4,900 and a four-star rating.

PLAN PREMIUM MOOP Plan Type Star Rating
Viva $0 $4,500 HMO 5
Cigna $0 $4,900 HMO 4
UnitedHealthcare $0 $4,900 HMO 4
BCBS of Alabama $0 $5,100 LOCAL PPO 4
Humana $0 $3,400 LOCAL PPO 4

Cheapest Medicare Supplement Plans in Montgomery, Alabama

Many people enroll in a Medicare Advantage Plan or supplement their Original Medicare with Medigap. The federal government standardizes Medigap plans, meaning their benefits don’t change; however, the monthly premiums will vary.

Several Alabama Medicare Supplement Plans are available, and we’ll be exploring three. First is Plan F, which has a premium range of $148.75 to $403.37 per month. This plan is suitable for avoiding high deductibles.

Plan HDF has a premium range of $42.00 to $87.22. This plan carries the same benefits as Plan F but with a far lower premium. However, you will need to pay a higher deductible, making this plan ideal for residents that don’t receive regular medical care.

Plan G is another option with a premium range of $121.27 to $386.95 per month. Like Plan F, Plan G also has a higher deductible plan (Plan HDG).

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $94.64 $292.10
PLAN B $152.77 $344.50
PLAN C $151.22 $401.83
PLAN D $137.00 $319.99
PLAN F $148.75 $403.37
PLAN HDF $42.00 $87.22
PLAN G $121.27 $386.95
PLAN HDG $41.90 $85.07
PLAN K $55.78 $131.00
PLAN L $78.42 $226.75
PLAN M $94.51 $261.85
PLAN N $98.10 $272.12

Affordable Medicare Part D in Montgomery, Alabama

Only some Medicare Advantage Plans cover prescription drugs, and no Medigap Plans cover them. You can enroll in Montgomery, Alabama Medicare Part D Plans to compensate for this inconvenience.

Like most other plans on this list, Humana’s four-star Part D plan has a deductible of $480 a year. The plan also has a monthly premium of $22.70.

UnitedHealthcare has a premium of $29.30. Unlike the other plans on this list, its deductible is lower at $310. It also has a four-star rating, meaning it provides extensive coverage.

Wellcare is another reputable name with popular plan options. For example, Wellcare’s monthly premium for their Part D plan is $22.70, making it an excellent choice for generic medications, typically costing six dollars or less.

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 subsection of Medicare Advantage Plans, Special Needs Plans (SNPs), are available to patients with special needs or specific disabilities. Although they’re not available in all areas, they can help reduce healthcare costs significantly.

Simpra is the only Special Needs Plan with a zero-dollar premium on this list. Its MOOP is also lower than most other plans at$6,700.

Cigna has a monthly premium of $20, a MOOP of $7,550, and dual eligibility. It also is an HMO, meaning you’ll need to shop within your network.

Viva has the highest premium on the list at $32.70 per month. However, it also has the lowest MOOP at $6,600 annually.

PLAN PREMIUM MOOP Plan Type Eligibility
Simpra $0 $6,700 LOCAL PPO Dual
Cigna $20.00 $7,550 HMO Dual
Aetna $25.40 $7,550 HMO Dual
UnitedHealthcare $29.60 $7,550 HMO Dual
Viva $32.70 $6,600 HMO Dual

FAQs

How Much Is the Medicare Premium for Part A in Mobile, Alabama?

Many residents are eligible to avoid paying premiums for Part A. If you need to pay, this figure will be either $499 or $274, depending on how much Medicaid taxes you paid while working.

What Is the Best Medicare Advantage Plan in Montgomery, Alabama?

Multiple Montgomery, Alabama Medicare Advantage Plans are available, and they all have their advantages. However, the most popular and highest-rated ones come from Cigna, AARP, and Viva.

What Are the Part D Plans Available in Montgomery, AL?

There are many Part D Plans available. However, the most residents choose are UnitedHealthcare, Cigna, and Humana.

Do Medigap Plans Have a Maximum Out-of-Pocket in Montgomery, Alabama?

Medigap plans don’t have a maximum out-of-pocket (MOOP) cost. While your premiums will be higher, if you already know you’ll have high medical bills, Medigap is the way to go.

How to Sign Up for Supplemental Medicare in Montgomery

While many residents benefit from using Original Medicare, the truth is that sometimes its coverage doesn’t go far enough. For additional coverage, Montgomery residents can use supplemental Medicare plans. Unfortunately, finding the right one can be tricky.

When you work with our team, our free service. We’ll pair you with the right plan to ensure you get the necessary care. Call 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.