Medicare beneficiaries in Alabama can enroll in any Medicare supplement during the first 6 months after their Part B starts. This is called your open enrollment period.
Alabama Medicare supplement companies must approve your application during this time. They cannot decline you for coverage due to any pre-existing health conditions. You can also apply for an Alabama Medigap plan after this window expires, but you must pass health underwriting. Enrolling during your open enrollment window will help you avoid that.
Alabama Medicare Plan F
Medicare Supplement Plan F is one the most popular Medicare supplements in Alabama. Plan F covers all the deductibles and co-insurance that Medicare would otherwise leave you to pay.
Our agency works with many Alabama Medicare supplement companies and can help you get quotes. We can compare rates from carriers like United Healthcare, Aetna, Mutual of Omaha, Humana and several others.
Alabama Medicare Plans for People under Age 65
In Alabama, companies are not required to offer open enrollment to people who are under age 65. This means you will have to pass medical health underwriting to be accepted for a Medicare supplement. Since most people who qualify for Medicare under 65 have a disability, they may not be able to pass the health questions. These people may want to consider an Alabama Medicare Advantage policy instead for now.
Later on, when you reach age 65, you will then have 6 months during which you can enroll in any Alabama Medigap plan without underwriting. You are guaranteed to be accepted during that one-time window.
Alabama Medicare Advantage
Medicare Advantage plans in Alabama must follow the same rules set by Medicare throughout the nation. The law states that Alabama Medicare Advantage plan carriers may ask only one qualifying health question about kidney failure (ESRD.)
You can qualify for an Alabama Medicare Advantage plan if you have Parts A & B and do not have ESRD. Applicants must also live in the plan service area. You can enroll in these plans only during a valid election period. This includes your initial election period when you first become eligible for Medicare. Later on, the most common enrollment window is the Annual Election Period in the fall.
It’s a good idea to have an agent help you determine whether you are eligible to apply for one. Agencies like ours can also explain the benefits to you as well.
Need help with an Alabama Medicare plan? Contact our agency via our toll free line or the link below. A friendly agent licensed in Alabama will contact you to help.