The Best Alabama Medicare Supplement Plans (2022)

If you want the best Medicare Supplement (also known as Medigap) plan in Alabama, there are 10 different plans to choose from. However, available policies will vary depending on when you become eligible.

In Alabama, the companies offering the best Medicare Supplement plans are UnitedHealthcare, Cigna and Aetna. Note that you cannot have Medigap and Medicare Advantage simultaneously, as a Medicare Advantage Plan in Alabama replaces your Medicare plan, including Original Medicare.

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Last Updated: 9/23/2022
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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.

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Best Medicare Supplement Plans in Alabama

Best Medicare Supplement Plan G in Alabama

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.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 95 out of 100
  • Average Monthly Rate: $134.04

UnitedHealthcare’s Plan G monthly premium is just under the $134.20 average cost of Plan G in Alabama. You get several advantages with this plan. Renew Active provides membership to any premium gyms included in UnitedHealthcare’s network, a fitness plan and access to group classes. UnitedHealthcare’s Plan G also features dental, hearing and vision coverage discounts.

If you go with UnitedHealthcare’s Plan G, you also have a SELECT plan option. This gives you lower monthly premiums at $113, but restricts your network.

MORE ABOUT PLAN G IN ALABAMA

Navigate to learn more about Medigap Plan G in Alabama, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Alabama

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.

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65

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  • Company
    Sample Monthly Rate
  • Humana
    $96
  • Aetna
    $104
  • Physicians Mutual
    $109
  • UnitedHealthcare
    $124
  • Cigna
    $141

Providers Offering Plan G 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.

Providers Offering Plan G in Alabama

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan G Cover?

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.

Required Benefits of Plan G in Alabama
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Alabama

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.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $201.61

A Medigap Plan F from Cigna is about $7 more expensive than the $194.80 average monthly cost of other Plan F providers in Alabama. Cigna’s Plan F features the added benefit of their 24/7 Health Information Line, where you can speak with a health advocate by phone at 800-244-6224.

MORE ABOUT PLAN F IN ALABAMA

Navigate to learn more about Medigap Plan F in Alabama, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Alabama

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.

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  • Company
    Sample Monthly Rate
  • Aetna
    $176
  • Blue Cross Blue Shield of Alabama
    $212

Providers Offering Plan F in Alabama

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.

Providers Offering Plan F in Alabama

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan F Cover?

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.

Required Benefits of Plan F in Alabama
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first three pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Alabama

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.

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MoneyGeek Top Pick
Aetna Medicare
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $97.92

Aetna’s Plan N is about $24 cheaper than the average cost of the same letter plan in Alabama. Aetna’s Plan N also offers the added benefit of Foreign Travel Emergency, which means your plan covers 80% of costs (up to a lifetime maximum benefit of $50,000) from emergency care received outside of the United States.

MORE ABOUT PLAN N IN ALABAMA

Navigate to learn more about Medigap Plan N in Alabama, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Alabama

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.

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  • Company
    Sample Monthly Rate
  • Aetna
    $98
  • Cigna
    $98
  • UnitedHealthcare
    $103
  • Humana
    $112

Providers Offering Plan N in Alabama

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.

Providers Offering Plan N in Alabama

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  • Company
    Contact Number
    Pricing Style
  • UnitedHealthcare
    1-888-378-0849
    Community
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • AFSLIC
    1-866-951-0686
    Attained Age
  • Assured Life
    877-223-3666
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age

What Does Plan N Cover?

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.

Required Benefits of Plan N in Alabama
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Alabama: Other Plan Types

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.

The Best Medicare Supplement in Alabama - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $87.99

  • B

    UnitedHealthcare

    $140.91

  • C

    UnitedHealthcare

    $220.37

  • F

    Cigna

    $201.61

  • G

    UnitedHealthcare

    $134.04

  • K

    UnitedHealthcare

    $52.61

  • L

    UnitedHealthcare

    $93.02

  • N

    Aetna

    $97.92

How to Find the Best Medicare Supplement Plans in Alabama

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.

Alabama Medicare Supplement Plans Comparison Chart

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.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Alabama

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.
Average Cost of Medicare Supplement in Alabama

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65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $88
  • Aetna
    $133
  • Humana
    $139
  • Cigna
    $144
  • Physicians Mutual
    $160

FAQs About Medicare Supplement Plans in Alabama

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

Methodology

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%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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