The Best Alabama Medicare Supplement Plans (2024)

The cost of Medicare Supplement plans partly depends on your age. In Alabama, 65-year-olds pay an average of $123 per month, while 75-year-olds spend $164. Plans F and G are the most popular due to their comprehensive coverage. These cost $195 and $118 on average per month, respectively. However, you can only purchase Plan F if you were eligible for Medicare before 2020.

Plan N is the next most popular plan. It offers similar coverage to Plans F and G but involves some excess charges. Plan N costs an average of $104 per month for 65-year-olds and $140 for 75-year-olds.

In Alabama, UnitedHealthcare offers the best Medigap Plan G. UnitedHealthcare also has a SELECT plan, a version of the standardized Medicare Supplement plan that limits where you may receive care to a given network. A SELECT plan is typically more affordable because of this restriction. For UnitedHealthcare’s Plan G, the SELECT version has a monthly rate of $113.

MoneyGeek’s rankings are limited to insurers that display online quotes. Other Medigap providers in Alabama that don’t provide online estimates may offer more competitive rates.

In Alabama, you’ll pay an average of $134.20 per month for Medicare Supplement Plan G. The actual premium you’ll pay is affected by several factors, including your current age, provider discounts and other medical underwriting factors.

For example, Humana offers the cheapest Plan G for 65-year-olds in Alabama at $95.50 per month. That’s nearly $90 less expensive than Blue Cross and Blue Shield of Alabama's $185 monthly rate, the highest in Alabama.

There are 36 companies offering Plan G in Alabama, but not all provide quotes online. MoneyGeek gathered the contact information of all Plan G providers in Alabama to help you find the provider that best fits your needs. We also list their pricing style, so you’ll know which ones will likely cost more based on age.

All Medigap policies, including Plan G, are standardized and must include specific benefits. However, Plan G does not cover Part B deductibles and only covers 80% of foreign travel exchange within your plan limits.

In addition to the standard coverage, some companies include unique benefits in their plans. An example is UnitedHealthcare’s Renew Active.

Cigna has the best Medicare Supplement Plan F from Alabama providers, with an average monthly premium of $201.61. However, it’s important to note that MoneyGeek’s ranking is limited to companies that offer online estimates. You can compare the rates and coverage of other companies offering Plan G in Alabama by contacting them directly.

On average, a Medicare Supplement Plan F in Alabama costs $194.80 per month. Several factors contribute to fluctuations in rates across the state. These include your age, provider and discounts, among other things.

Seventy-five-year-olds can purchase a Medigap Plan F for $158.30 per month from Physicians Mutual, which offers the lowest premium in the state. Blue Cross and Blue Shield of Alabama has the most expensive monthly rate of $260. That’s about a $102 difference for the same letter plan.

Thirty-five companies offer Medigap Plan F in Alabama. However, not all of them display quotes online. Use the contact details MoneyGeek provides below to ask providers for an estimate. Pricing style shows you which companies are likely to charge more due to your age.

Like all Medigap policies, Plan F is standardized and must include certain benefits. Although Plan F’s coverage is extensive, it only covers 80% of foreign travel exchange within your plan’s limits. Different providers may offer additional Plan F benefits — Cigna’s Health Information Line is one example.

The best option for seniors in Alabama looking for Medicare Supplement Plan N is Aetna, with premiums averaging about $98 per month.

Note that our ranking only considers providers that give estimates online. Other companies in Alabama offering Plan N may offer better rates. However, you’ll need to reach them directly to get information about their pricing and coverage.

On average, Plan N costs $122.20 each month in Alabama. Depending on various factors, including your current age and the age at which you purchase this plan, this rate may vary.

For example, a 65-year-old in Alabama can purchase the cheapest Plan N from Aetna or Cigna. Both providers offer Plan N at $97.90 per month. Humana is the most expensive Plan N provider, charging $112 per month. That’s a difference in providers of approximately $14.10 per month.

Thirty-four providers offer Plan N in Alabama, though not all provide online estimates. MoneyGeek gathered their contact details to help you find which company best suits your needs. A provider’s pricing method also tells you whether it’s likely to charge more based on age.

All Medigap policies are standardized, meaning they must cover at least some benefits. Plan N doesn’t cover Part B deductibles and only covers 80% of foreign travel expenses up to your plan’s limit. Aetna’s Plan N in Alabama offers Foreign Travel Emergency.

Besides Plans F, G and N, other plan types are available for purchase. However, these plans are less popular because they typically offer less comprehensive coverage.

MoneyGeek’s evaluation determined that UnitedHealthcare provides the best Medicare Supplement plans in Alabama for the remaining letter plans. The following companies also offer Medigap plans in Alabama and show quotes online:

• Aetna
• Blue Cross and Blue Shield of Alabama
• Cigna
• Humana
• Physicians Mutual

Note that if you first became eligible for Medicare after January 1, 2020, Plan C won't be available to you in Alabama or any other states.

Medigap insurance in Alabama is a complicated subject. To help you find the best provider for your supplemental insurance needs, MoneyGeek collected and analyzed pricing information from various companies. This chart can help you more easily compare Medicare Supplement plans in Alabama.

Coverage and availability vary between Medigap plans. For instance, Plans F and C offer the most comprehensive protection but aren’t available to new enrollees. Your next best option is to explore Plan G or Plan D.

You can use MoneyGeek’s chart to make a side-by-side comparison of Medicare Supplement plans in Alabama. It shows their differences in coverage as well as their average cost.

The cost of Medicare supplemental insurance varies depending on your plan type and provider.

UnitedHealthcare offers the cheapest rates for most letter plans in Alabama. On the other hand, Physicians Mutual has the lowest monthly premium for Plan F. Humana is your most affordable option for Plan G, while Aetna and Cigna offer the lowest rates for Plan N.

Companies typically use one of three pricing styles:

• Attained-Age: This is the most common pricing method in Alabama. Your rate is based on your current age, resulting in higher premiums as you get older.
• Issue-Age: Pricing depends on your age when you first acquire your policy and won’t change because of your age.
• Community-Rated: All policyholders of a particular plan type pay the same amount per month. Insurers don't use this pricing style for Plans D and M.

Since Medicare Supplement insurance is complex, MoneyGeek answered the most commonly asked questions on the subject to help you understand.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Alabama for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.