Medicare Supplement (Medigap)

Alabama does not require insurers to sell Medicare Supplement policies to people under sixty-five.

 

High-Risk Pool 

The Alabama Health Insurance Plan (AHIP) exists for individuals who would otherwise have difficulty acquiring health insurance. Individuals become eligible under the Health Insurance Portability and Accountability Act when they leave a employer-provided group, government or church-provided plan. AHIP offers a deductible/traditional indemnity plan administered by Blue Cross Blue Shield of Alabama and a managed care plan administered by United Health Care.

 

Mini-COBRA Policies (Small Group)

Alabama does not mandate continuation coverage for small employers.

 

Medicare Savings Program 

Alabama has four Medicare Savings Programs:

 

• Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1215, the state pays all premiums for Part B and all Co-Pays and Deductibles for Medicare Part A and Medicare Part B

• Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1,457, the state pays premiums for Medicare Part B

• Qualified Individuals (QIs): For individuals with income under $1219 or for couples with an income under $1640, the state pays premiums for Medicare Part B

• Qualified Disabled and Working Individuals (QDWIs): For individuals with income under $3,695 and couples with income under $4,942, the state pays premiums for Medicare Part A

 

State Health Insurance Assistance Program (SHIP) Your local Alabama SHIP Program can help you understand your Medicare benefits. Alabama SHIP is the only confidential, one-on-one Medicare beneficiary counseling in Alabama Alabama SHIP provides education, counseling and information concerning:

 

• Medicare (Parts A and B)

• Medicare Advantage (Part C)

• Medicare Prescription Drug Program (Medicare Part D)

• Medicare Supplemental Insurance (Medigap)

• Prescription Assistance Programs

• Long-term Care and Payment Options

• Healthcare Rights and Protections

• Low Income Assistance Programs

 

Alabama SHIP also advocates for Medicare beneficiaries on claim questions and disputes. SHIP has hundreds of trained and certified volunteers who assist SHIP statewide. Alabama SHIP is funded by a grant through the Centers for Medicare and Medicaid Services (CMS).

 

Low-Income Subsidy (Extra-Help) for Prescription Drugs In 2012, the low-income subsidy for extra-help with Prescription Drugs in Alabama is $31.71.

 

If you live in Alabama, and you are interested in getting a Medicare Plan, please contact the Medicare experts at eAmeriFamily Insurance.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, MediGap, or Medicare Supplement Plan for you.