Alabama Medicare Insurance Plans
If you live in Alabama, you have the option of choosing from many different types of Alabama medicare insurance plans, depending on your needs. If you are over the age of 65 or under 65 with a qualifying disability, you can enroll in Original Medicare (Part A and Part B). However, Original Medicare does not cover everything. If you find that you need additional coverage, you may want to choose from the different types of Alabama Medicare plans available to you:Alabama Medicare Advantage Plans cover all that Original Medicare covers with additional benefits. Alabama Medicare Part D plans can be paired with Original Medicare to cover the costs of prescription drugs. Alabama Medicare Supplement Insurance Plans can be purchased in addition to Original Medicare to fill in the gaps in Original Medicare coverage.
These private Alabama Medicare plans generally cost an additional amount out of your pocket, and the costs can add up over time. How much these plans cost can differ depending on the company offering the plan and on your location.
Alabama Medicare Savings Programs
Medicare can prove to be costly, especially if you need regular prescription drugs and medical attention. If you need help with these costs, you have four Alabama Medicare Savings Programs to choose from:
- Qualified Medicare Beneficiaries (QMBs): The state pays all Medicare Part B premiums and Medicare Part A and Part B copayments and deductibles for individuals with a monthly income under $1,001 and couples with a combined income under $1,348 per month.
- Specified Low-Income Medicare Beneficiaries (SLMBs): The state pays the Medicare Part B premiums for individuals with a monthly income under $1,197 and couples with a combined monthly income under $1,613.
- Qualified Individuals (QIs): The state pays for Medicare Part B premiums for individuals with a monthly income under $1,345 and couples with a combined income under $1,813 a month.
- Qualified Disabled and Working Individuals (QDWIs): The state pays for Medicare Part A premiums for individuals with a monthly income under $4,009 and couples with a combined income under $5,395 per month.
- Low-Income Subsidy (Extra Help) Program: The state Medicaid program assists with the costs of prescription drug coverage for individuals with a yearly income up to $17,655 and couples with a combined income up to $23,895.
Alabama State Health Insurance Program (SHIP)
Alabama Medicare plans can be difficult to understand, and knowing which plans you qualify for can be even more complicated. The Alabama State Health Insurance Program (SHIP) can help you understand your options. Alabama SHIP is the only confidential, one-on-one counseling service for Medicare beneficiaries.
Find an Alabama State Health Insurance Program office near you. Another helpful option to find the best plan for your needs is to use the side-by-side Medicare plan comparison tool for Alabama medicare insurance plans. You can see what each plan covers, what this coverage will cost, and even speak with someone who can help answer any questions you may have about these plans.