Updated: May 8, 2026
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Plans B, K and L from Transamerica offer Alabama's most affordable Medigap rates among the state's most popular policies, saving residents $19 to $46 monthly versus state averages.
State Farm, USAA, MedMutual Protect, United American and New Era provide the lowest rates for Plans A, C, D, F, G, M and N across Alabama.
At age 65, Alabama residents pay $35 to $546 monthly for Medicare Supplement coverage based on which plan type they choose.
Alabama seniors aged 65 can find Medigap coverage starting at $80 a month. The cheapest plans in the state save between $18 and $108 per month off average state rates, depending on which plan type best fits your coverage needs.
Transamerica has the lowest rates on three plans: Plan K at $80 per month, Plan L at $119 and Plan B at $213. United American offers Plan A, and New Era covers Plans C and M. State Farm handles Plan D, USAA offers Plans F and G, and MedMutual Protect covers Plan N.
| Transamerica | K | $80 | $19 | Issue Age Pricing |
| United American | A | $107 | $74 | Attained Age Pricing |
| MedMutual Protect | N | $108 | $71 | Attained Age Pricing |
| New Era | M | $111 | $18 | Attained Age Pricing |
| Transamerica | L | $119 | $39 | Issue Age Pricing |
| USAA | G | $133 | $58 | Attained Age Pricing |
| State Farm | D | $151 | $35 | Attained Age Pricing |
| USAA | F | $173 | $67 | Attained Age Pricing |
| New Era | C | $181 | $108 | Attained Age Pricing |
| Transamerica | B | $213 | $46 | Issue Age Pricing |
*These rates reflect Medigap premiums for 65-year-olds.
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
Average Plan G Rate
Plan Types
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.
| USAA | G | No | 65 | $133 | $0 | No Data |
| MedMutual Protect | G | No | 65 | $148 | $0 | No Data |
| State Farm | G | No | 65 | $151 | $0 | No Data |
| LifeShield National | G | No | 65 | $158 | $0 | No Data |
| Government Personnel Mutual | G | No | 65 | $159 | $0 | No Data |
| Atlantic Capital | G | No | 65 | $161 | $0 | No Data |
| Wellcare | G | No | 65 | $167 | $0 | No Data |
| AFLAC | G | No | 65 | $175 | $0 | No Data |
| Bankers Life | G | No | 65 | $177 | $0 | No Data |
| Humana | G | No | 65 | $178 | $0 | No Data |
For 65-year-olds in Alabama, Medicare Supplement premiums range from $99 to $289 per month, depending on the plan. Plan K is the cheapest at $99 per month, and Plan C is the most expensive at $289 per month.
Plan G, the most popular option in the state, averages $191 per month. Plan N runs $179 per month, Plan L is $158 per month and Plan M is $129 per month.
| K | $99 | $1,188 |
| M | $129 | $1,548 |
| L | $158 | $1,896 |
| N | $179 | $2,148 |
| A | $181 | $2,172 |
| D | $186 | $2,232 |
| G | $191 | $2,292 |
| F | $240 | $2,880 |
| B | $259 | $3,108 |
| C | $289 | $3,468 |
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.
Check J.D. Power satisfaction scores and NAIC complaint indexes before choosing an insurer.
Identical plans cost different amounts across insurers, even within the same city.
Some insurers offer discounts on gym memberships or wellness programs alongside standard coverage.
Alabama residents can contact these organizations for Medicare Supplement plan information:
Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood.
Medicare Supplement plans benefit seniors who want stable health care costs and the freedom to visit any Medicare-accepting provider nationwide.
You can enroll in Medigap plans anytime. The optimal enrollment window begins when you turn 65 and enroll in Medicare Part B.
Yes, you can switch from Medicare Advantage to Medigap in Alabama, but insurers will evaluate your health and may deny coverage or charge higher premiums based on medical conditions. The ideal time to make this switch is during your Medigap Open Enrollment Period at age 65, when you have guaranteed coverage rights.
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:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
