Find 2019 Medicare Plans in Alabama - AL Medicare Insurance Overview

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Alabama Medicare Insurance

Medicare in Alabama

Medicare offers healthcare coverage to Alabama residents age 65 or older, or to those Alabama residents that suffer from certain medical disabilities. In 2016, 948,000 people are enrolled in Medicare in Alabama, accounting for 19.8% of the population in Alabama. About $9,718 was spent per Medicare beneficiary in Alabama in 2009, approximately 6.24% lower than the national average of $10,365 (latest available data). From 2015 to 2030 the senior population in Alabama is projected to increase by 40.51% according to estimates based off of the 2000 Census. Thus the number of Medicare beneficiaries in Alabama is also expected to increase.

Local Medicare Resources

Like other states, Alabama has a Health Insurance Counseling and Assistance Program (SHIP) which provides Medicare beneficiaries help regarding Medicare programs and plans available in their state. SHIP counseling is free and available telephonically or face-to-face. Additionally, Alabama’s Senior Medicare Patrol (SMP) program educates senior citizens how to recognize Medicare fraud and abuse and local volunteers or SMP coordinators help seniors report findings.

Types of Medicare Coverage

You can sign up for Medicare Part A (hospital services) and Part B (medical services) through the Federal government. Part A is generally paid for by paycheck deductions from your working years (or your spouse's) but most Medicare beneficiaries pay for Part B through monthly premiums unless they qualify for financial assistance. Original Medicare offers its beneficiaries flexibility in choosing their providers and you are not limited to a network. However, there is no limit on out-of-pocket medical expenses and you must always pay 20% coinsurance for medical service costs. If you qualify for Original Medicare (Parts A & B) or if you are already enrolled in it, then you have the option to enroll in Medicare Part C (also called Medicare Advantage) or Part D (a stand alone prescription drug plan). Medicare Advantage and Medicare Part D insurance plans are sold by private insurance companies that have a contract with Medicare. Many Medicare beneficiaries will elect to enroll in a Medicare Advantage plan that includes prescription drug coverage or purchase a standalone prescription drug plan to go with their Original Medicare coverage. Medicare Advantage plans require you to stay in network but some plans will also cover out-of-network care at a higher cost. Additional benefits of Medicare Advantage plans such as dental, vision, or hearing coverage can help reduce out-of-pocket expenses for seniors with certain medical needs.

Alabama 2017 Medicare Advantage Plans at a glance

Using CMS data HealthPocket found that:

  • The average total monthly premium for a 2017 Medicare Advantage plan in Alabama is $48.58, 22.25% less than the national average of $62.48. 36.49% of 2017 Medicare Part C insurance plans in Alabama have a $0 monthly premium.
  • The maximum possible annual drug deductible in any 2017 Medicare Advantage plan with a drug component is $400, but in Alabama the average annual drug deductible for Medicare Part C insurance plans with drug components is $162.75. 22.36% of 2017 Medicare Part C insurance plans with a drug component in Alabama have a $0 annual drug deductible.
  • All 2017 Medicare Part C insurance plans without a drug component in Alabama have a $0 monthly premium.
  • The average medical out-of-pocket limit for 2017 Medicare Part C insurance plans in Alabama is $5450.24. 21.33% of 2017 Medicare Advantage plans in Alabama had a medical out-of-pocket limit of $3,400 or less.

To assist seniors in choosing Medicare plans, CMS assigns star ratings to Medicare Part C and Part D plans each year based on preventive care, chronic condition management, customer service, member satisfaction, and drug pricing. Ratings range from 1 star (a poor plan) to 5 stars (an excellent plan).

  • The average overall CMS star rating assigned to Medicare Part C insurance plans in Alabama was 3.6 stars in 2017.
  • Among Alabama's 2017 Medicare Advantage plans with CMS star ratings:
    • 50.24% earned a score of 4 stars
    • 49.76% earned a score of 3 or 3.5 stars

Sources:

Data on Medicare eligibility, enrollment, and spending by state from Kaiser Family Foundation

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Alabama Medicare Insurance Companies

There are 18 Medicare insurance providers that offer affordable and comprehensive Medicare insurance in Alabama. Of these, the companies that offer the largest variety of plans to choose from are Humana, Aetna, and Viva Health. In Alabama,Humana has the largest selection of Medicare Advantage plans while Humana offers the most Medicare Part D plans. The following are all medicare insurance providers in Alabama:

Humana

16 Plans

Aetna

6 Plans

WellCare

3 Plans

Cigna

3 Plans

UNITEDHEALTHCARE INS. CO. & UHC INS. CO. OF NY

2 Plans

OMAHA HEALTH INSURANCE COMPANY

2 Plans

2019 Featured Medicare Plans in Alabama

There are 64 medicare plans in Alabama. The following are the 10 highest rated medicare plans in Alabama based on their CMS rating for the plan's overall quality.

Monthly CostPlan NameCMS Rating
from $0Cigna-HealthSpring - Cigna-HealthSpring Preferred (HMO) - Blount County
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from $22Cigna-HealthSpring - Cigna-HealthSpring PreferredPlus Direct (HMO) - Blount County
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from $0Aetna - Aetna Medicare Basics Plan (PPO) - Autauga County
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from $0Viva Health - VIVA Medicare Select (HMO) - Autauga County
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from $0Aetna - Aetna Medicare Essential Plan (PPO) - Barbour County
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from $0Aetna - Aetna Medicare Freedom Plan (PPO) - Cherokee County
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from $0Viva Health - VIVA Medicare Me (HMO) - Blount County
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from $0Humana - Humana Gold Plus H5619-088 (HMO) - Bibb County
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from $0Humana - Humana Gold Plus H5619-089 (HMO) - Baldwin County
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from $0Humana - Humana Gold Plus H5619-112 (HMO) - Chambers County
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See all Medicare plans in Alabama

Alabama Featured Medicare Plans for Managing High Blood Pressure

The following are the 5 highest rated medicare plans in Alabama based on their CMS rating for the plan's ability for controlling high blood pressure.

Monthly CostPlan NameCMS Rating
from $0Aetna - Aetna Medicare Value Plan (HMO) - Jefferson County
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from $159Blue Cross Blue Shield of Alabama - Blue Advantage Premier (PPO) - Autauga County
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from $95Humana - Humana Gold Choice H8145-075 (PFFS) - Autauga County
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from $85Humana - HumanaChoice R7315-002 (Regional PPO)
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from $0Blue Cross Blue Shield of Alabama - Blue Advantage Complete (PPO) - Autauga County
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Alabama Featured Medicare Plans for Managing Diabetes

The following are the 5 highest rated medicare plans in Alabama based on their CMS rating for the plan's ability for diabetes care including: eye exam, kidney disease monitoring, blood sugar controlled and cholesterol controlled.

Monthly CostPlan NameCMS Rating
from $95Humana - Humana Gold Choice H8145-075 (PFFS) - Autauga County
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from $0Aetna - Aetna Medicare Value Plan (HMO) - Jefferson County
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from $22Cigna-HealthSpring - Cigna-HealthSpring PreferredPlus Direct (HMO) - Blount County
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from $0Cigna-HealthSpring - Cigna-HealthSpring Preferred (HMO) - Blount County
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from $159Blue Cross Blue Shield of Alabama - Blue Advantage Premier (PPO) - Autauga County
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Alabama Featured Medicare Plans for Managing Rheumatoid Arthritis

The following are the 5 highest rated medicare plans in Alabama based on their CMS rating for the plan's ability for rheumatoid arthritis management.

Monthly CostPlan NameCMS Rating
from $99Viva Health - VIVA Medicare Premier (HMO) - Autauga County
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from $41Viva Health - VIVA Medicare Prime (HMO) - Baldwin County
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from $28Viva Health - VIVA Medicare Plus (HMO) - Bullock County
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from $0Viva Health - VIVA Medicare Me (HMO) - Blount County
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from $0Aetna - Aetna Medicare Freedom Plan (PPO) - Cherokee County
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Alabama Featured Medicare Plans for Managing Osteoporosis

The following are the 5 highest rated medicare plans in Alabama based on their CMS rating for the plan's ability for osteoporosis management.

Monthly CostPlan NameCMS Rating
from $25Humana - Humana Gold Plus H5619-094 (HMO) - Colbert County
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from $0Humana - Humana Gold Plus H5619-112 (HMO) - Chambers County
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from $0Humana - Humana Gold Plus H5619-089 (HMO) - Baldwin County
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from $0Humana - Humana Gold Plus H5619-088 (HMO) - Bibb County
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from $0Aetna - Aetna Medicare Freedom Plan (PPO) - Cherokee County
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Most Popular Medicare Doctors in Alabama

The following are the most popular medicare doctors in Alabama based on the provider utilization and payment data published by the U.S. Department of Health & Human Services.

NameSpecialtyLocation
Internal MedicineBIRMINGHAM, AL
DermatologyBIRMINGHAM, AL
Neurological SurgeryBIRMINGHAM, AL
Thoracic Surgery (Cardiothoracic Vascular Surgery)BIRMINGHAM, AL
SurgeryMOBILE, AL
Orthopaedic SurgeryDOTHAN, AL
Orthopaedic SurgeryHUNTSVILLE, AL
Internal MedicineFAIRHOPE, AL
Thoracic Surgery (Cardiothoracic Vascular Surgery)MOBILE, AL
SurgeryHUNTSVILLE, AL
See all doctors accepting Medicare in Alabama

Browse Medicare Plans by Cities

  1. Birmingham, AL
  2. Montgomery, AL
  3. Mobile, AL
  4. Huntsville, AL
  5. Tuscaloosa, AL
  6. Hoover, AL
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