Medicare Advantage Plans (Medicare Part C) in Alabama
Discover Your Options for Medicare Advantage Plans in Alabama – Learn about the Benefits, Costs, and Provider Networks of Medicare Part C Plans Available in Alabama.
Discover Your Options for Medicare Advantage Plans in Alabama – Learn about the Benefits, Costs, and Provider Networks of Medicare Part C Plans Available in Alabama.
Medicare beneficiaries in Alabama that are enrolled in Original Medicare, Part A and Part B, have the option of enrolling in a Medicare Advantage plan that offers the same coverage as Original Medicare with the potential for additional benefits. Additional benefits may include vision, dental, or prescription drug coverage. These plans are offered through private insurance companies, so costs and coverage may vary depending on your location in Alabama.
Prescription drug coverage is included in most Florida Advantage plans, a benefit not offered by Original Medicare.
Many Florida Medicare Advantage plans offer affordable or even $0 monthly premiums and deductibles.
Most Florida MA plans include coverage for dental, vision and hearing care, benefits not offered by Original Medicare. (Benefits vary by state and/or region.)
Medicare Advantage Plans offer a few key differences that distinguish them from Parts A and B of the Original Medicare system managed by the federal government. While Part A pays for inpatient care at a hospital and Part B covers services and supplies used to treat or prevent medical conditions, Medicare Advantage Plans come with a few added benefits.
Plans are required to offer the same level of care as Original Medicare and may include additional health care benefits, such as prescription drug coverage, routine hearing, vision, and dental exams, and fitness club memberships:
Designed to be an all-in-one solution, Medicare Advantage Plans are offered by Medicare-approved private insurance companies. There are several types of Medicare Advantage Plans available, depending on your insurance provider and location. Learn the differences between these plans and how they affect your coverage so that you can make the right choice for your medical situation.
Compare ratings of some of Alabama Medicare Advantage Plan providers:
Compare Medicare Advantage Plans in Alabama | ||||
Insurance company | Medicare rating | A.M. Best rating | BBB rating | J.D. Power ranking |
Aetna | 4 stars | A | A+ | 6th out of 9 |
Blue Cross Blue Shield | 4.5 stars | A | A+ | Not rated |
Humana | 4 stars | A- | A+ | 2nd out of 9 |
UnitedHealthcare | 3.5 stars | A- | A- | 4th out of 9 |
Consider these factors as you compare Medicare Advantage Plans available in your area:
How to compare Medicare Advantage Plans in Alabama | ||
Monthly premium | In addition to your regular monthly payment for Medicare Part B, you will also have to pay an extra premium for Medicare Part D drug coverage. This payment is mandatory and remains the same regardless of whether you use your benefits or not. It's a good idea to find a plan in your area that includes drug coverage, with no additional premium, to reduce your overall healthcare costs. | |
Provider network | It's important to confirm if your doctors, hospitals, and pharmacies are included in the network of your plan to ensure that you can receive the lowest possible costs for your healthcare. | |
Out-of-pocket max | The maximum amount that you will pay for Medicare-covered services is limited, excluding your premium, deductible, and drug expenses, as long as you adhere to the plan's guidelines for both in and out of network coverage. | |
Deductibles, coinsurance & copays | Cost-sharing expenses are incurred when you utilize your benefits and may vary depending on the type of plan you have. It's recommended to review your plan's fees for doctor's visits, treatments, services, and prescription drugs. | |
Drug coverage/formulary | It's important to check whether the medication you take is listed in the plan's formulary and the cost for each prescription fill. Discuss with your doctor the possibility of using generic or alternative options for your medication needs. | |
Additional benefits | When choosing a plan, think about which additional benefits are essential to you. Keep in mind that many plans have network requirements and may charge higher premiums for more extensive coverage. |
Alabama’s Medicare Advantage program offers four plan options, namely Health maintenance organization (HMO), preferred provider organization (PPO), private fee-for-service (PFFS), and special needs plan (SNP). The level of flexibility in the network of care providers and the cost of each plan may vary. However, all Medicare Advantage Plans provide the same coverage as Original Medicare. Depending on the plan, you may receive additional benefits at an increased premium.
HMO’s typically require that you receive all services from in network providers:
PPO’s are only for people with specific conditions and characteristics, and include care coordination and targeted benefits tailored to meet your specific needs:
PFFS plans don’t require a primary care physician or referrals for specialists:
SNP’s are only for people with specific conditions and characteristics, and include care coordination and targeted benefits tailored to meet your specific needs:
To qualify for enrollment in a Medicare Advantage Plan in Alabama, you must first be enrolled in both Medicare Part A and Part B, and cannot have an existing Medigap plan. This option is available to individuals aged 65 and above as well as those with a qualifying disability.
There are three periods when you can enroll:
Our team is made up of compassionate, friendly individuals who understand the unique needs of older adults. We take the time to listen to your concerns and provide personalized solutions that work for you. We provide additional and detailed information on Medicare Health Plans and a no-cost plan comparison to determine if you qualify for additional benefits.
Compare plans and get more benefits now. Expand your Medicare Coverage with an affordable Medicare Advantage Plan. Some Plans may offer additional coverage for prescription drugs, dental and vision. Our licensed agents are here to help.