Medicare Plan F is Going Away in 2020
As of January 1, 2020 the highly prized Plan F will be a thing of the past. It's being phased out as a cost-saving measure by the government. However, if you get a Plan F in Alabama now you can keep it. There are many opinions about how eliminating Plan F will save money. The general consensus is that seniors will go to the doctor less often if they have to pay out-of-pocket.
Join a Alabama Medicare Part D Plan for Rx Coverage
In years past supplemental plans were allowed to offer prescription coverage. Not anymore. Today, supplements must be in lock-step with Original Medicare. If Medicare doesn't cover it, then supplemental insurance can't cover the gap. That means the only way to get help with prescriptions is through a Alabama Medicare Part D plan.
Alabama Medicare Supplement Plans are Standardized
By law, all Medicare Supplements sold in the state of Alabama are standardized. This means that every policy must be clearly identified as Medicare Supplement Insurance and it must offer the exact coverage allowed. This allows all plans to compete on price (premium).
All Medicare Supplements sold in Alabama provide the same general benefits, however, some provide more gap coverage. This lets you to select the plan with the amount of insurance you want.
Each carrier markets the policies it deems best. Insurers:
- Are not required to offer every plan
- Must offer Plan A
- Must also offer Plan C or Plan F
To learn more, visit the Alabama Department of Insurance website at http://www.aldoi.gov/.
Just a friendly remainder that Medicare does not cover routine dental care. We have a complete catalog of Alabama dental insurance for seniors.
Looking for Assistance?
There are numerous insurance counseling resources available to Medicare beneficiaries. One of the best in Alabama is the State Health Insurance Assistance Program (SHIP). They offer free, one-on-one counseling and assistance. You can contact them by telephone or by visiting their website:
- 1-800-AGE-LINE (1-800-243-5463)
The content on this page was last updated on .