Alabama Medicare Plans
Medicare Supplement (Medigap) Policies
Alabama does not require insurers to sell Medicare Supplement policies to people under sixty-five.
The Alabama Health Insurance Plan (AHIP) exists for individuals who would otherwise have difficulty acquiring health insurance. Individuals become eligible under the Health Insurance Portability and Accountability Act when they leave a employer-provided group, government or church-provided plan. AHIP offers a deductible/traditional indemnity plan administered by Blue Cross Blue Shield of Alabama and a managed care plan administered by United Health Care.
Mini-COBRA Policies (Small Group)
Alabama does not mandate continuation coverage for small employers.
Medicare Savings Program
Alabama has four Medicare Savings Programs:
- Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $923 and for couples with a monthly income under $1235, the state pays all premiums for Part B and all Co-Pays and Deductibles for Parts A and B
- Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1103 or couples with income under $1477, the state pays premiums for Part B
- Qualified Individuals (QIs): For individuals with income under $1239 or for couples with an income under $1660, the state pays premiums for Part B
- Qualified Disabled and Working Individuals (QDWIs): For individuals with income under $3,695 and couples with income under $4,942, the state pays premiums for Part A
State Health Insurance Assistance Program (SHIP)
Your local Alabama SHIP Program can help you understand your Medicare benefits. Alabama SHIP is the only confidential, one-on-one Medicare beneficiary counseling in Alabama
Alabama SHIP provides education, counseling and information concerning:
- Medicare (Parts A and B)
- Medicare Advantage (Part C)
- Medicare Prescription Drug Program (Medicare Part D)
- Medicare Supplemental Insurance (Medigap)
- Prescription Assistance Programs
- Long-term Care and Payment Options
- Healthcare Rights and Protections
- Low Income Assistance Programs
Low-Income Subsidy (Extra-Help) for Prescription Drugs In 2012, the low-income subsidy for extra-help with Prescription Drugs in Alabama is $31.71.
If you live in Alabama, consult with one of our MedicareSolutions.com insurance specialists to get personal assistance that is specific to your area. One of our experienced specialists can compare plans in your area and help you find the Medicare insurance benefits that are right for your needs.