The Best Medicare Supplement (Medigap) Plans in Alabama

Christian Worstell
In this article...
  • Choose the right Medigap policy with this review of Medicare Supplement Insurance plans in Alabama. Medigap helps pay for coinsurance, deductibles and other Medicare costs.

More than a third (36%) of Original Medicare beneficiaries in Alabama are enrolled in Medicare Supplement Insurance.1 Also known as Medigap, this type of optional health insurance policy is sold by private insurers and available to those who have Original Medicare (Part A and Part B).

Original Medicare helps pay for medically necessary services such as hospital stays, treatment for illnesses, diagnostic tests and physician services. Some of the remaining costs — such as premiums, deductibles and copays — can be covered through a Medigap plan. 

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Alabama Medicare Supplement Plans?

Insurers are permitted to sell 10 different types of Medigap plans in Alabama, but not every plan is offered by all companies. Medigap plans in Alabama are standardized by letter category, which means policies offered within the same category cover the same expenses. 

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

All Alabama Medigap plans (A-D, F, G, K-N) cover some or all of the following:

  • Part A coinsurance and hospital costs
  • Part B coinsurance and copays
  • First three pints of blood
  • Part A hospice care coinsurance

You can find plans that cover additional expenses such as Part A and B deductibles, foreign travel, excess charges by physicians and skilled nursing facility coinsurance. 

Plan F provides the most comprehensive coverage, but isn't available to those eligible for Medicare after January 1, 2020. Plan G is similar to Plan F but doesn't cover Part B deductibles. Plan N, which covers most common Medigap benefits except Part B deductibles and excess charges, is also a popular option.

Private insurance companies set the premiums they charge for Medicare Supplement Insurance in Alabama. This means that even standardized plans have different costs. Be sure to compare plans even if they're within the same letter category. 

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in Medigap Plans in Alabama?

Once you're 65 and enrolled in Medicare Part B, you have a personal, six-month Medigap open enrollment period. During this time, you can join any Alabama Medicare Supplemental Insurance policy that is sold where you live. Insurers can't turn down your Medigap application because of your medical condition and must sell you a plan at the same cost as a person in good health.

Medigap is only an option if you have Original Medicare — you can't join a Medigap plan if you receive coverage through a Part C Medicare Advantage Plan.

After your six-month Medigap Open Enrollment period has expired, you may be denied Medigap coverage or charged higher premiums based on your health, unless you qualify for guaranteed issue rights. In these exceptions, an insurance company must sell you a Medicare Supplement Insurance policy at the same rate as a person in good health.

Here are some of the situations in which guaranteed issue rights apply:

  • You were enrolled in Medicare Advantage for less than a year, and for the first time, before deciding to return to Original Medicare.
  • You move out of your Medicare Advantage plan's service area.
  • Your insurer leaves Medicare.

You have an existing Medigap policy and lose coverage for a reason that's not your fault — for example, the insurance company goes bankrupt.

  1. AHIP. (Feb, 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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