Is Medicare Supplement Plan F Going Away in Alabama?
The highly prized Medigap Plan F is about to be a thing of the past. The government is forcing it out as a way to cut costs. The good news is that you can keep it if you have it. Will it actually cut Medicare cost in Alabama? It's anyone's guess, but the theory is that seniors will use their doctor less often if they have to pay out-of-pocket.
Join a Alabama Medicare Part D Plan for Rx Coverage
A supplement does not pay for your prescriptions. By law, supplemental insurance must cover Original Medicare covers, and nothing more. Foreign travel coverage is the only exception. To get help with your prescriptions, you'll need to join a Alabama Medicare Part D plan.
Alabama has Standardized Medicare Supplements
Alabama insurance carriers are required to follow both state and federal laws regulating Medicare Supplements. Plans are standardized and must provide the exact coverage mandated. The only variance is the premium and how the premium is calculated.
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 you can visit your state's 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)
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