Best Medicare Supplement Plans in Alabama (2026)

Monthly premiums for Medigap coverage in Alabama range from $80 to $213 for seniors aged 65, offering strong financial protection across 10 standardized plan types. Our analysis identified the most affordable providers in the state, showing that cheap Medicare Supplement plans can provide comprehensive benefits without excessive costs.

Transamerica offers the best rates across three popular plans, with Plan K at $80 per month, Plan L at $119 per month and Plan B at $213 per month. United American provides Plan A, while New Era handles Plans C and M at competitive rates. State Farm focuses on Plan D, USAA covers Plans F and G and MedMutual Protect rounds out the options with Plan N. These low-cost choices save Alabama seniors $18 to $108 monthly compared to average state rates.

*These rates reflect Medigap premiums for 65-year-olds.

Your specific needs may call for different coverage than what's popular. Use the filterable table below to find the best Alabama Medicare Supplement company that matches your situation.

For 65-year-olds in Alabama, Medicare Supplement insurance costs range from $99 to $289 monthly based on which plan you choose. The wide variation depends on your coverage level and specific plan type.

Plan K offers the most affordable entry point at $99 per month, while Plan C carries the highest average cost at $289 monthly. Alabama's most popular choice, Plan G, averages $191 each month and provides comprehensive coverage at a mid-range price. 

Plan N presents a budget-friendly alternative at $179 monthly for seniors wanting strong coverage without premium pricing. Other economical options include Plan M at $129 and Plan L at $158 per month.

Here's great news for Alabama residents: Plan G offers identical benefits regardless of which company sells it because Medicare Supplement plans are standardized by federal law. Companies compete mainly on price for this identical coverage. Each lettered plan covers specific benefits, so you can pick the best trade-off between monthly premiums and potential expenses.

Learn More: What Does Medicare Cover and Not Cover?

Three factors separate reliable Alabama Medicare Supplement companies from the rest.

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Alabama Medicare Resources

Alabama residents looking for Medicare Supplement plan information can contact these organizations: 

• State Health Insurance Assistance Program (SHIP): Free Medicare counseling from certified experts who aren't affiliated with any insurance company. SHIP operates through Alabama's Area Agencies on Aging and the Department of Senior Services. Call 1-800-AGE-LINE (1-800-243-5463) to schedule an appointment.
• Alabama Department of Insurance: File complaints online about billing errors, policy cancellations, or claim delays. The Consumer Services Division investigates your dispute and requires insurers to respond. Call (334) 241-4141 weekdays 8 a.m. to 5 p.m., or (334) 240-4431 after hours.
• Alabama Department of Senior Services: Thirteen local Area Agencies on Aging across Alabama handle senior services. Each has an Aging & Disability Resource Center. Call 1-800-AGE-LINE (1-800-243-5463) for meal programs, prescription drug payment questions, or caregiver resources.
• Medicare.gov: The official Medicare website. Use the plan finder tool to search Medicare Supplement options by ZIP code.

Find answers to common questions about Medicare Supplement insurance for Alabama residents below.

MoneyGeek collected data for all Medicare plans in Alabama for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Alabama based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.