Can I get a Medigap Plan F or has it Gone Away?
In 2020 you will no longer be able to purchase a Medicare Supplement Plan F in Alabama. However, if you get a Plan F policy in Alabama now you will be able to keep it. These highly valuable supplemental plans are being phased out as a cost cutting measure for the government. The theory is that seniors will stop seeing their doctor if they have to pay out-of-pocket.
in Alabama Medicare Supplements Do Not Cover Prescriptions
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 Medicare Supplements are Regulated by Law
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.
Each lettered plan offers the basic coverage of Plan A. Plans B through N offer different levels of gap coverage, including some with annual out-of-pocket limits. This gives people significant range of choice based on the amount of insurance needed.
Carriers are free to market the the policies they want, with these simple limitations:
- Carriers are not required to offer every plan
- Plan A is mandatory
- Plan C or F must be offered
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)
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