There are approximately 45 different carriers that offer Medicare Advantage plans with or without Part D coverage or simply offer Part D coverage. If a senior in Alabama is eligible for Medicare coverage for the first time, they can enroll in one of these plans during the seven-month Initial Enrollment Period around their 65th birthday. Otherwise, they can switch their plan from October 15th to December 7th each year.
Alabama has its fair share of smaller carriers that offer Medicare plans but also some of the more well-known brands like United Healthcare, Highmark, Coventry, BlueCross Blue Shield and Aetna.
The types of Medicare Advantage plans offered to residents, which will change the monthly price of the plan for consumers, are: PPO, HMO and PFFS (Private Fee-for-Service plans). PPO plans offer the largest network of doctors and the most benefits whereas HMO plans have a smaller network and more rules and restrictions. PFFS outline exactly what the plan will pay per service and medical provider and exactly what the consumer is required to pay out-of-pocket. This type of plan is not an option if the person is on Original Medicare.
Not only does the State of Alabama offer different plans than a neighboring state, but each county within Alabama offers different plans. According to the data, each county in Alabama offers approximately 20 or less different types of plans.
According to the Kaiser Family Foundation, in 2018, 654,501 residents enrolled in Original Medicare and 391,201 residents enrolled in a Medicare Advantage plan.
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For more information on Medicare Advantage Plans in Alabama, or to receive a free price quote, please call and speak with one of our healthcare professionals at 1-800-810-1437TTY 711