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Medicare Advantage Plans in Alabama


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How Medicare Advantage plans in Alabama work

Medicare Advantage plans are an alternative to Original Medicare, providing Medicare beneficiaries in Alabama with another way to get their Medicare coverage. These plans are offered by private companies that contract with Medicare to offer at least the same hospitalization and medical service benefits covered by Original Medicare except hospice care, which Medicare Part A covers. In addition, Medicare Advantage plans may offer Alabama beneficiaries extra coverage options such as prescription drug benefits.

Medicare Advantage plans encompass many different types of insurance plans, including Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service plans (PFFS), and Special Needs Plans, which target those who live in an institution, have Medicaid, or have certain conditions. Beneficiaries may also open a Medicare Medical Savings Account plan (MSA), which is a high-deductible health plan that includes a savings account.

Prescription drug coverage with Medicare Advantage plans in Alabama

Alabama beneficiaries may also enroll in a Medicare Advantage plan with prescription drug coverage included. Medicare Advantage plans with prescription drug coverage (also known as Medicare Advantage Prescription Drug plans) offer hospital, medical, and prescription drug coverage (Medicare Part D) under a single plan. If the Medicare Advantage plan does not include prescription drug coverage, beneficiaries also have the option of enrolling in a stand-alone Medicare Prescription Drug Plan (PDP). For example, Medicare Medical Savings Account plans don’t cover prescription drugs. However, if the Medicare Advantage plan does include prescription drug coverage, the beneficiary may not enroll in both the Medicare Advantage Prescription Drug plan and a stand-alone Medicare Prescription Drug Plan at the same time.

Choosing a Medicare Advantage plan in Alabama

It is recommended that beneficiaries compare Medicare Advantage plans very carefully when searching for coverage that may be best for their needs. The cost of these plans can vary for Alabama residents, depending on the specific plan and service area. Some Medicare Advantage plans may offer premiums as low as $0, although you must continue to pay your Part B premium, regardless of whether your plan includes a separate premium. Many factors may affect the cost of a Medicare Advantage plan, including the county where the beneficiary resides, the coverage included in the plan, and the beneficiary’s choice of health-care providers.

It is also important for beneficiaries to consider whether they want prescription drug coverage with their Medicare Advantage plan. If you’d like to continue seeing your current doctor, double-check that your physician is in the provider network of the Medicare Advantage plan you’re considering. If you need help finding a Medicare Advantage plan, feel free to contact eHealth to discuss your needs with a licensed insurance agent.

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