Alabama Original Medicare Health Plans

alabama original medicare INSURANCE planS

Are you looking for information on the best health plan to enroll in for Alabama resident's?

You can enroll in a MEDICARE Health or Part D prescription drug coverage in the privacy and safety of your home.

Online here on this site, over the phone or have a free confidential and private in home personal appointment.

O'Neal Insurance Group can guide you through the diverse and sometime confusing maze that can be original Medicare and advantage health plans that are available in your state.

Alabama map

A GlANCE AT the Original Medicare Health Insurance in ALABAMa

Medicare is one of the oldest federal health insurance programs available to new Medicare beneficiary and individuals with disabilities in the great state of Alabama.  

By November 2018, more than a million residents in Alabama enrolled in original Medicare. This accounted for at least 21% of the state’s population and the numbers have kept growing since then.

  • 1/3 of the Medicare members have opted for Part D prescription coverage.
  • Residents in Alabama have the option to choose between 7-31 Medicare plans, depending on the county.
  • • Members under 65 aren’t required to enroll in Medigap (Medicare Supplement) in Alabama.

These numbers indicate that Medicare is one of the most popular health plans in Alabama.  Not only does it give residents medical security, but it also provides them with a versatile range of options to choose from.

This, however, can get confusing for anyone who is signing up for a health plan for the first time. It’s why we’ve decided to breakdown the essential elements of Original Medicare Health Plans to make things easier for you.

Aetna, Cigna, GTL, Humana, Mutual of Omaha, UnitedHealthcare and Wellcare MEDICARE HEALTH INSURANCE PLANS IN ALABAMA:


Secure your future with the right health plan.

It doesn’t matter if you’re over 65 or about to age into medicare because it’s your birthday and it is just around the corner―everyone should have basic knowledge about their Medicare health plans available in Alabama.  Even if you’re already enrolled in a Medicare health plan due to a disability, you could still benefit from supplemental solutions that maximize your health coverage.

Luckily, Medicare offers multiple health plans and carriers to fit your needs like Aetna, Cigna, GTL, Humana, Mutual of Omaha, UnitedHealthcare and Wellcare .

  • Original Medicare Plan (Part A)

    The standard health plan covers hospital care, inpatient care and home health care (offered in special circumstances). The plan also includes medical care in a hospice environment and a skilled nursing facility.

    For this plan, you’ll receive coverage for hospital expenses that are deemed essential to your health by a doctor. These include a semi-private room, nursing services, meals, and medications.

  • Original Medicare Plan (Part B)

    This health plan covers specialist care including outpatient care, preventive care, and special medical supplies/equipment (e.g, wheelchairs). It also covers home health care during special situations.

    Many residents in Alabama enroll in Part A and Part B as a combo healthcare plan to cover their hospital and medical insurance.  Both plans don’t cover custodial care, dental care, and prescription costs.

  • Medicare Advantage Plan (Part C)

    Unlike other Medicare health plans, this one is managed by private insurance companies that collaborate with Medicare. The plan covers everything that the Original Medicare (Part A and Part B) offer along with supplementary benefits.  These include dental care, eye checkups, fitness classes and more.

  • Medigap (Medicare Supplement)

    The supplementary plan covers out-of-pocket expenses and additional services that aren’t always included in an Original Medicare plan. These benefits include coinsurance, copayments, and, deductibles.

  • Medicare Prescription Drug Plan (Part D)

    The plan covers prescription coverage that aligns with your healthcare and treatment plans. The list of drugs included in this coverage may vary. Beneficiaries have to buy standalone Medicare Part D plans that are compatible with their Original Medicare health plan. They can also enroll in Medicare Advantage plans that include Part D coverage.

The best idea is to select a healthcare plan that fits your medical needs. We can guide you through the process and recommend cost-effective alternatives during your consultation.

Eligibility Requirements For ALABAMA RESIDENTS

Are you eligible to apply for a Medicare Health Plan?

The eligibility of Medicare health plans depends on your U.S citizenship. If you are a U.S citizen or have a permanent legal residency for a minimum 5 years, then you can apply for an Original Medicare Health Plan.

Each benificiary must meet these standards:

  • You have turned 65 years old and can qualify for social security. These individuals will automatically get enrolled in the Original Medicare Plan (Part A & B).
  • Part A is absolutely free for people who paid Medicare taxes for at least ten years.
  • Almost all Alabama residents will have to pay a premium for Medicare Part B.Individuals under the age 65 are eligible for Medicare if they have received Social Security Disability benefits for at least two years.
  • Residents with stage five of CKD (chronic kidney disease) can also receive Medicare.

Anyone who is enrolled in Part A and B plan is eligible for a Part C or Part D plan. Also, make sure that you live in the service area for the plan you’ve enrolled in. 

Hint: Medicare disability includes permanent physical and mental impairment that requires continuous treatment.

Medicare Advantage Plans: A Closer Look

Maximize your medical coverage with the right advantage plan.

Many residents in Alabama also sign up for Medicare Advantage or Medicare Supplemental insurance plans. Both plans cover out of pocket costs associated with original Medicare and have their own co pays, deductibles, and coinsurance. These are, however, generally lower than Original Medicare.

Medicare in Alabama is administered by the Department of Health and Human Services. Enrollment is handled by Social Security which may deduct premiums for Part B from the beneficiary’s Social Security benefits.

The Alabama Department of Insurance regulates insurance companies in Alabama. Insurers offer Medical Advantage plans and Medical Supplemental Insurance plans. If you have a complaint with your insurance company, you should report directly to the Department of Insurance.

Medicare Advantage Plans in Alabama

Original Medicare is not always enough to cover your medical expenses. This is where Medicare Advantage comes in.

Some of the more advanced plans also cover transportation to health care providers and gym memberships.

The two most commonly available Medicare Advantage plans include:

1. Health Maintenance Organization (HMO)

Health Maintenance Organization (HMO) is a network of healthcare providers who provide reduced rates for members. This means if you visit an out-of-network specialist, your insurance company won’t cover the costs of medical care and you will have to foot the bill yourself.

HMOs give increased flexibility to beneficiaries in cases of emergency since they won’t have to wait to get a doctor’s appointment. Members of HMO are required to gain a reference from their Primary Care Provider before they can see a specialist.

2. Preferred Provider Organization (PPO)

Preferred Provider Organization (PPO) offers more flexibility to enrollees when it comes to choosing their own specialists and doctors. It is optional to get a reference from a primary care provider, although your rates might be low if you do so. PPOs also have a network of providers, seeing a specialist outside of the network will result in out-of-pocket costs.

Residents of Alabama who have both Medicaid and Medicare may become eligible for a Special Needs Plan (SNP). These plans have networks that function like an HMO or PPO.

How to Sign Up For MEdicare in Alabama?

Enrolling for Medicare in Alabama is relatively simple.  Beneficiaries who have already signed up for Social Security will automatically enroll in Medicare without additional steps. Those who do not  receive Social Security will have to enroll through the website or by calling Social Security.

 If your employer provides health benefits, you can still enroll in Part A.

There are three enrollment periods to sign up for Medicare:

  • Initial Enrollment

    Example: If you turn 65 in April, the period will start from January through to July.  This is a 7-month long period that starts three months before you turn 65.

  • Special Enrollment

    Beneficiaries who didn’t sign up because of group coverage will receive special enrollment that lasts for 8 months after your coverage ends.

  • General Enrollment

    Eligible residents can sign up for Medicare from January to March every year. Thecoverage will start on July 1.

It is worth noting that eligible residents who fail to sign up for Part B during their initial enrollment may incur a late penalty of 10% for every year they wait.

The penalty will last for the duration of Medicare.

How Can We Help?

At O’Neal Insurance Group, we have in-depth knowledge about Original Medicare Health Plan in Alabama. We can help you evaluate the best options that suit your specific medical needs and special circumstances.

Best of all, we provide these services for free with no charge for your consultation.

Are you ready to enroll in a Medicare Health Plan?

Book a free consultation to make the best decision.

Or call 1-888-966-8579 to schedule an appointment.

Insurance Carriers

  • Aetna
  • Allwell /Centene Ascension Complete
  • Anthem BCBS of Indiana
  • Bright Health
  • Blue Cross and Blue Shield of IL, (HCSC)
  • Blue Cross and Blue Shield of TX, (HCSC)
  • Cigna Medicare-Healthspring
  • Clearspring Health
  • Devoted Health
  • GTL (Guarantee Trust Life Insurance Company)
  • Health Alliance
  • Humana
  • Mutual of Omaha
  • UnitedHealthcare
  • Wellcare
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