Alabama Senior Health Insurance
Explore Your Options
Alabama, known for its southern hospitality is home to many. Alabama’s low cost of living and year round mild climate, make it a great place to retire. If you are already on Medicare or will become eligible soon it’s important to know what your Senior Health insurance Options are available. At MySeniorHealthPlan.com we pride ourselves on our ability to educate seniors on basic Medicare benefits, their Medicare Supplemental options and provide knowledgeable answers to help you make an easier decision. Within the different plan types there are many different coverage options. We are here to make sure you know all your options and feel confident making an educated decision.
Medicare Supplements, also known as Medigap plans, are designed to help you fill the “gaps” that original Medicare doesn’t cover. You can use your Medicare Supplement Plan benefits nationwide; however the premium is determined by your state of residence. This type of plan is created to work with your Medicare Part A and B, and you must have both in order to obtain this type of policy. Medicare acts as your primary insurance and your Supplement becomes your secondary. These plans are standardized by the government and will only vary in premium, customer service and carrier reputation. MySeniorHealthPlan.com can help you make an informed decision because we work will most of the top carriers.
Medicare Supplements do not include Prescription Drug coverage, therefore this type of policy is usually purchased alongside it. Prescription Drug Plans, or Part D, are stand-alone plans offered by private insurance companies. Because of the variations in coverage and plan premiums it’s a good idea to talk to a Specialist at MySeniorHealthPlan.com. A Specialist will walk you through what plans cover your prescriptions and review their associated costs. If you are electing to enroll into a Prescription Drug Plan but need Extra Help paying for your prescriptions, visit http://www.ssa.gov/medicare/prescriptionhelp/ for more information.
If you decide to enroll into a county specific Medicare Advantage Plan such as an HMO or PPO, this will become your primary insurance instead of your basic Medicare. These, like Prescription Drug Plans, are area specific and can change every year. Therefore, if you move counties or want to take advantage of a yearly analysis during Open Enrollment Period- please contact MySeniorHealthPlan.com so the adequate changes can be made. There are 67 counties in Alabama, and many of these counties have multiple MAPD options. This gives you a plethora of options, and in some counties there are even $0 premium MAPD options. For more information on what is available in your county, contact MySeniorHealthPlan.com today.
Some retirees of Alabama also have benefits through Indian Health Services. The relationship between the federal government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare and Medicaid healthcare services accessible to all Native Americans who eligible. For more information visit http://www.ihs.gov