Medicare Supplement Insurance (also called Medigap) helps senior and disabled Alabama residents pay for certain Medicare copayments, deductibles, and other costs. Insurance companies can offer state residents up to 10 standardized Medigap plan options: Plans A, B, C, D, F, G, K, L, M, and N.

Important: Plan F and Plan C are not available to Medicare beneficiaries who become eligible for Medicare on or after January 1, 2020.

What are the most popular Medicare Supplement plans in Alabama?

The chart below shows the most popular Medicare Supplement plans in Alabama.¹

Medicare Supplement Insurance Pricing Methods

Medigap pricing methods are important because they dictate how your premiums may increase in future years. There are 3 different pricing methods:

• Attained-age rated: The premium increases as you age.
• Issue-age rated: The premium is based on your age when you buy the policy and it may increase due to inflation and other factors, but not due to your age.
• Community rated: The same premium is charged to all Medigap policyholders.

The majority of Medigap policies issued in Alabama are attained-age rated, according to the Kaiser Family Foundation (KFF)

Under-65 Enrollment Rules

Although Medicare Supplement Insurance is primarily for senior citizens, it’s also available to disabled people and those with end-stage renal disease (ESRD) in some states. Each state’s insurance department dictates the rules governing Medicare beneficiaries under the age of 65.

According to the KFF, insurance companies selling Medigap plans in Alabama do not have to offer any Medigap plans to under-65 Medicare beneficiaries. Medigap insurers in Alabama are allowed to charge under-65 policyholders different premiums from their senior policyholders.