Alabama Medigap Plans, casually called Medicare Supplement Insurance, are like the superheroes of healthcare, filling in the blanks that Original Medicare leaves behind. Understanding the basics to Alabama Medigap insurance, which operates similarly to most of the country, is key to making smart choices for your health and wallet.

Alabama Medigap Plans fill in the gaps left by Original Medicare.

Alabama Medigap Plans Essentials

To start your journey for an Alabama Medigap Plan, get the basics down first. You have to be in the Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) to qualify. The best thing is, Medigap plans across the state follow a script, offering the same key benefits. Whether you go with Company A or B, or live in Birmingham or Mobile, you’ve got the same 10 plans (A through N) with the same benefits to pick from.

Medigap plays by the rules – federal and state rules, to be precise. They make sure every plan, no matter who you pick, sticks to the same core benefits.

What are the differences between AL Medigap plans?

Below is a chart that compares coverage of standardized Medigap plans in Alabama.

Benefits A B D G* K L M N
Medicare Part A Deductible ($1,632) 100% 100% 100% 50% 75% 50% 100%
Part B Deductible ($240)
Medicare Part A Hospital Coinsurance and 365 additional hospital days 100% 100% 100% 100% 100% 100% 100% 100%
Medicare Part B Coinsurance 100% 100% 100% 100% 50% 75% 100% 100%
First 3 Pints of Blood for a Transfusion 100% 100% 100% 100% 50% 75% 100% 100%
Medicare Part A Hospice Coinsurance or Copay 100% 100% 100% 100% 50% 75% 100% 100%
Skilled Nursing Facility Coinsurance 100% 100% 50% 75% 100% 100%
Medicare Part B Excess Charges 100%
Foreign Emergency Healthcare 80% 80% 80% 80%
Max Out-of-Pocket $7,060 $3,530

*Medigap Plan G High Deductible is identical coverage as Plan G but requires a high deductible of $2,800.

Keep in mind Excess Charges! Despite Medicare’s 15% fee allowance, several Medigap plans, like Plan G, handle these charges for you. Learn more in our article “How To Avoid Medicare Excess Charges.

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When to Enroll in an Alabama Medigap Plan

The best time to jump on board with an AL Medigap plan is during your initial “Medigap Open Enrollment” phase, a six-month window commencing from the first month you acquire Medicare Part B at 65 or older. In this span, you can pick any Medigap policy, no questions asked about your health history. Once this window closes, getting a Medigap plan might be trickier or costlier. Unlike the yearly Medicare Open Enrollment Party, your Medigap Open Enrollment is a one-time event.

But hey, if you missed the boat, you have options. Check out our article “Help! I’ve Missed My Medigap Initial Enrollment Period.” Or drop a comment below, and our agents will follow up to lend a hand.

Medigap Under 65 in AL

For those under 65 rocking Medicare Disability in Alabama, Medigap isn’t a sure thing. They play by the company’s rules when it comes to approval. But, there’s a golden ticket—a guarantee for six months kicking in at 65, even for those with End-Stage Renal Disease (ESRD). Read our article about all the rules at Medigap Under 65.

How much does a Medigap plan cost in Alabama?

Plans are more or less “clones,” but the price tag can vary between insurers with the same letter. The Alabama Department of Insurance helps regulate pricing, but each insurance company can set its own rates. Hit the button below for an instant quote on Alabama Medigap plan costs.

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Alabama Household Discount

Save money on Med Supp bills with the Household Discount (HHD). The HHD can save you 14% a month depending on the insurer. You can see the HHD price by hitting the House Hold Discount radio button on our instant Medigap quote result page. The HHD might even give discounts to roommates without a legal union. Learn the details in our deep dive into Medigap Household Discounts. Each company has its own way of doing things, so contact our team at to learn more.

What Now, Alabamians?

Now that you’re the Alabama Medigap Plan guru, questions might still pop up. Fire away in the comments or call us at 800-930-7956.

We receive commissions directly from insurers, ensuring no extra cost to you. No one can sell the same Medigap plan for less than we can.