Alabama Health Insurance – Affordable Individual, Family, And Senior Plans

Find Alabama health insurance plans that are affordable and cover pre-existing conditions. Easily shop and compare the best medical coverage in the Yellowhammer State from the most highly-rated companies. Low-cost medical plans are offered to individuals and families that have existing coverage, or are currently uninsured. Federal subsidies are available as Marketplace plans, and you can also purchase off-Exchange plans without government involvement or assistance.

Blue Cross and Blue Shield of Alabama and Bright Health offer plans throughout the state as "subsidized" or "non-subsidized."   BCBS  is the largest healthcare provider in the state, and serves more than three million customers. Along with receiving high marks and several awards for customer service, plans are offered  for persons under age 65, Seniors, and Medicaid-eligible applicants. Additional plans are offered by several other carriers for "short-term" or "temporary" coverage. Although policies do not contain 10 essential health benefits, premiums are very inexpensive, and policies are often approved within 24 hours. Coverage can be kept for up to 12 months, and a total of 36 months with two guaranteed renewals.

Additional companies that offer small group coverage include All-Savers (UnitedHealthcare), Federated Mutual, Freedom Life, UnitedHealthcare, and VIVA Health.  Affordable medical coverage for self-employed persons is available through several carriers. Depending on the size of the business, small-group options may be offered. These types of plans feature greater flexibility of benefits and availability.

Approximately 10% of the state's population remains uninsured, although more than 170,000 persons typically purchase coverage during the Open Enrollment period.  Medicaid and CHIP provide low-cost medical coverage to qualified applicants.  Expansion of Medicaid eligibility may occur in the future, and additional off-Exchange options are slowly being introduced.

 

Affordable Alabama Health Insurance Rates

Alabama Open Enrollment Provides Guaranteed Healthcare Coverage

 

BCBS  and Bright Health Alabama Individual And Family Health Insurance Plans

 

Catastrophic Tier

 

Blue Protect -- Catastrophic plan that is offered to persons under age 30, unless "financial hardship" is present. Deductible is $7,350 with maximum out-of-pocket expenses of $7,350. Coinsurance is 0%, so once deductible is met, all covered benefits are paid with no deductibles, copays, or coinsurance. First three pcp office visits are only subject to $50 copay.

Bright Health Catastrophic -- Also a catastrophic plan that is offered to persons under age 30, unless "financial hardship" is present. Deductible is $7,350 with maximum out-of-pocket expenses of $7,350. Coinsurance is 0%, so once deductible is met, all covered benefits are paid with no deductibles, copays, or coinsurance. First three pcp office visits are only subject to $50 copay.

 

Bronze Tier

 

Blue Saver Bronze -- $7,150 deductible with maximum out-of-pocket expenses of $7,150 and 0% coinsurance. First two pcp office visits are only subject to $40 copay. Tier 1 and Tier 2 drug copays are $20 and $35. Tiers 3, 4, 5, and 6 drugs are covered at 100% after the deductible has been met.

Blue HSA Bronze -- HSA-eligible policy with $6,450 deductible, and maximum out-of-pocket expenses of $6,450 with 0% coinsurance. HSA plans are ideal for single persons or families with no major medical conditions.

Bright Health Bronze -- $7,350 deductible with maximum out-of-pocket expenses of $7,350 and 0% coinsurance. First three pcp office visits are only subject to $40 copay. Generic drugs are subject to a $25 copay.

Bright Health Bronze HSA -- HSA-eligible policy with $6,650 deductible, and maximum out-of-pocket expenses of $6,650 with 0% coinsurance.

 

Silver Tier

 

Blue Value Silver -- $40 and $55 office visit copays with $395 outpatient surgery copay (Lower Member Cost Share). $2,600 deductible and maximum out-of-pocket expenses of $6,850 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, $75, and $125 respectively.

Blue Cross Select Silver -- $40 and $65 office visit copays with $575 outpatient surgery copay (Lower Member Cost Share). $2,800 deductible and maximum out-of-pocket expenses of $7,350 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, $85, and $150 respectively.

Bright Health Silver -- $40 and $75 office visit copays with $75 Urgent Care copay. $5,000 deductible and maximum out-of-pocket expenses of $7,350 and 40% coinsurance. Generic and preferred brand drug copays are $25 and $100.

 

Gold Tier

 

Blue HSA Gold -- HSA-eligible policy with $6,450 deductible, and maximum out-of-pocket expenses of $6,450 with 0% coinsurance. HSA plans are ideal for single persons or families with no major medical conditions.

Blue Value Gold -- $40 and $60 office visit copays with $225 outpatient surgery copay (Lower Member Cost Share). $750 deductible and maximum out-of-pocket expenses of $6,000 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $10, $25, $40, and $90 respectively.

Blue Cross Select Gold -- $35 and $50 office visit copays with $225 outpatient surgery copay (Lower Member Cost Share). $850 deductible and maximum out-of-pocket expenses of $6,000 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $10, $20, $40, and $90 respectively.

 

Short-Term Temporary Medical Coverage

If coverage is only needed for several months, a "short-term" plan may be the perfect solution. These types of options are ideal if you are not eligible for permanent benefits (Missed Open Enrollment deadline), and anticipate becoming eligible for comprehensive coverage within 90 days. Although prices are low, coverage is often subject to deductibles and coinsurance, and preventative benefits are not fully covered. Prescription drugs and office visits may have to be added for an extra charge.

For example, if you will become eligible for Medicare, or group benefits through your employer, and need a cheap stopgap policy, a temporary policy should be considered (along with other guaranteed-issue options).  Although most submitted claims must meet a deductible, for major medical protection, these plans should be considered. The Alabama Department of Insurance must approve all participating carriers.

Shown below are monthly rates for several different scenarios:

 

40-year-old male residing in the St. Louis area

$64 -- $7,500 deductible with 50% coinsurance (HCC Life)

$66 -- $7,500 deductible with 20% coinsurance (HCC Life)

$67 -- $10,000 deductible with 30% coinsurance (UnitedHealthcare)

$69 -- $5,000 deductible with 50% coinsurance (HCC Life)

$73 -- $2,500 deductible with 50% coinsurance (HCC Life)

$77 -- $2,500 deductible with 20% coinsurance (HCC Life)

$96 -- $2,500 deductible with 20% coinsurance (National General)

 

35-year old married couple (two persons) residing in the St. Louis area

$69 -- $5,000 deductible with 50% coinsurance (IHC Group)

$80 -- $2,500 deductible with 50% coinsurance (IHC Group)

$91 -- $5,000 deductible with 20% coinsurance (IHC Group)

$102 -- $10,000 deductible with 30% coinsurance (UnitedHealthcare)

$107 -- $7,500 deductible with 50% coinsurance (HCC Life)

$112 -- $2,500 deductible with 20% coinsurance (IHC Group)

$153 -- $1,000 deductible with 50% coinsurance (HCC Life)

 

45-year old male residing in the Kansas City area

$66 -- $5,000 deductible with 50% coinsurance (IHC Group)

$76 -- $2,500 deductible with 50% coinsurance (IHC Group)

$87 -- $5,000 deductible with 20% coinsurance (IHC Group)

$87 -- $10,000 deductible with 30% coinsurance (UnitedHealthcare)

$103 -- $1,000 deductible with 50% coinsurance (IHC Group)

$108 -- $2,500 deductible with 20% coinsurance (IHC Group)

$133 -- $2,500 deductible with 30% coinsurance (UnitedHealthcare)

 

50-year old married couple (two persons) residing in the Kansas City area

$137 -- $7,500 deductible with 20% coinsurance (National Insurance)

$150 -- $5,000 deductible with 20% coinsurance (National Insurance)

$189 -- $2,500 deductible with 20% coinsurance (National Insurance)

$234 -- $7,500 deductible with 20% coinsurance (IHC Group)

$250 -- $1,000 deductible with 20% coinsurance (National Insurance)

$349 -- $2,500 deductible with 20% coinsurance (IHC Group)

 

Senior AlabamaPart D Prescription Drug Plans

Compare Alabama Senior Medigap Plans

 

 

Alabama Senior Medigap Insurance Options

 

List Of Companies Offering Coverage

Aetna

American Republic

American Retirement Life

Assured Life

Bankers Fidelity Life

BCBS

Central States

Cigna

Colonial Penn

Combined Insurance

Equitable

Everest

First Community Health

Gerber

Globe

Government Personnel Mutual

Heartland National Life

Humana

Manhattan Life

Medico

Mutual Of Omaha

New Era Life

Philadelphia American Life

Physicians Mutual

Reserve National

S. USA Life

Shenandoah Life

State Farm

Thrivent

Transamerica

United American

UnitedHealthcare/AARP

USAA

 

Alabama Medicare Supplement Monthly Rates

Prices are based on lowest prices offered by selected carriers. Your age, sex, and tobacco usage can impact the premium.

 

Plan A -- Age 65

$78 -- UnitedHealthcare

$81 -- Globe Life

$88 -- Mutual Of Omaha

$90 -- American Republic

$91 -- Transamerica

$93 -- Bankers Fidelity

$93 -- United American

$95 -- New Era Life

$95 -- State Farm

$99 -- Aetna

$100 -- Thrivent

$102 -- Philadelphia American

$103 -- Everest

$104 -- Shenandoah Life

$105 -- Manhattan Life

$106 -- Equitable

$107 -- Cigna

$108 -- Central States

$113 -- Government Personnel Mutual

$114 -- First Community Health

$115 -- BCBS Of Alabama

$117 -- Medico

$121 -- Colonial Penn

$122 -- Combined Insurance

$123 -- Humana

$133 -- Physicians Mutual

$140 -- USAA

$142 -- Assured Life

$145 -- American Retirement Life

$147 -- Reserve National Life

$151 -- Gerber

 

Plan B -- Age 65

$109 -- Aetna

$112 -- Manhattan Life

$119 -- First Community Health Plan

$119 -- Transamerica

$120 -- UnitedHealthcare

$126 -- Central States

$131 -- Globe Life

$140 -- BCBS Of Alabama

$146 -- Humana

$152 -- Colonial Penn

$155 -- Assured Life

$162 -- United American

 

Plan C -- Age 65

$116 -- American Republic

$128 -- Everest

$134 -- Philadelphia American

$139 -- UnitedHealthcare

$141 -- Manhattan Life

$142 -- Transamerica

$144 -- State Farm

$148 -- Globe

$152 -- Central States

$153 -- Government Personnel

$152 -- First Community Health Plan

$176 -- Humana

$181 -- United American

$199 -- Assured Life

$219 -- Reserve National

 

Plan F -- Age 65

$109 -- Physicians Mutual

$125 -- Thrivent

$126 -- Aetna

$127 -- Bankers Fidelity Life

$129 -- Everest

$129 -- New Era Life

$130 -- Manhattan Life

$132 -- Cigna

$135 -- Mutual Of Omaha

$138 -- Shenandoah Life

$140 -- Heartland National

$140 -- UnitedHealthcare

$141 -- Manhattan Life

$143 -- Transamerica

$145 -- State Farm

$147 -- USAA

$149 -- Combined Insurance

$149 -- Globe

$155 -- Equitable

$157 -- Central States

$158 -- Medico

$172 -- Colonial Penn

$173 -- Humana

$173 -- American Republic

$176 -- BCBS Of Alabama

$178 -- American Retirement Life

$195 -- United American

$200 -- Assured Life

$214 -- Gerber

 

Plan F (High Deductible) Age 65

$27 -- United American

$31 -- Globe

$34 -- Liberty National

$38 -- New Era Life

$40 -- Cigna

$42 -- Colonial Penn

$43 -- Mutual Of Omaha

$44 -- Physicians Mutual

$51 -- Aetna

$54 -- American Republic

$56 -- Humana

 

Plan G

$99 -- Thrivent

$100 -- Everest

$104 -- New Era Life

$105 -- Bankers Fidelity

$108 -- Shenandoah Life

$110 -- Aetna

$110 -- Cigna

$111 -- Mutual Of Omaha

$115 -- Combined Insurance

$118 -- Central States

$119 -- Manhattan Life

$119 -- UnitedHealthcare

$120 -- Equitable

$120 -- Heartland National

$121 -- Reserve National

$131 -- Transamerica

$135 -- American Retirement Life

$137 -- Physicians Mutual

$154 -- Colonial Penn

$168 -- United American

$173 -- Gerber

 

Plan L

$78 -- UnitedHealthcare

$97 -- Transamerica

$100 -- American Republic

$108 -- Colonial Penn

$112 -- Humana

$120 -- United American

 

Plan M

$115 -- Manhattan Life

$119 -- Transamerica

$133 -- Colonial Penn

 

Plan N

$83 -- Thrivent

$85 -- Aetna

$85 -- Philadelphia American

$86 -- Everest

$90 -- Shenandoah Life

$93 -- Cigna

$94 -- Central States

$94 -- UnitedHealthcare

$94 -- Mutual Of Omaha

$96 -- Heartland National

$97 -- Colonial Penn

$98 -- Equitable

$100 -- Manhattan Life

$101 -- USAA

$102 -- American Retirement Life

$106 -- Medico

$108 -- Humana

$112 -- Transamerica

$117 -- Physicians Mutual

$119 -- Combined Insurance

$121 -- Reserve National

$131 -- United American

 

Medicare Advantage Senior Coverage

Medicare Advantage Plans Often Include Prescription Drug Benefits

 

Medicare Advantage Plans

Advantage contracts (Part C) are issued by private insurers that cover and replace original Medicare benefits. Prescription drugs along with dental, vision, and hearing benefits are sometimes included. Deductibles, copays, and maximum out-of-pocket expenses can vary, depending upon the county of residence. Monthly premiums shown are the most current estimates. PPO and HMO plans may not be offered in all counties. SMP options are also available. The plans below include prescription drug benefits.

 

AARP MedicareComplete Plan 1 -- $0 premium with $55 deductible and maximum $5,900 out-of-pocket expenses. Office visit copays are $0 and $30. Urgent Care and Emergency Room copays are $30-$40 and $80.

AARP MedicareComplete Plan 2 -- $46 premium with $0 deductible and maximum $3,900 out-of-pocket expenses. Office visit copays are $0 and $20. Urgent Care and Emergency Room copays are $20-$40 and $80.

Aetna Essentials Plan -- $0 premium with $0 deductible and maximum $4,900 out-of-pocket expenses.

Aetna  Medicare Freedom Plan -- $0 premium with $50 deductible and maximum $5,900 out-of-pocket expenses. Office visit copays are $5 and $35. Urgent Care and Emergency Room copays are $5-$35 and $80.

Aetna Medicare Liberty Plan -- $0 premium with $0 deductible and maximum $5,900 out-of-pocket expenses.

Aetna  Medicare Value Plan -- $0 premium with $50 deductible and maximum $5,400 out-of-pocket expenses. Office visit copays are $0 and $30. Urgent Care and Emergency Room copays are $0-$30 and $80.

Blue Advantage Complete -- $0 and $49 premium with $150 deductible and maximum $5,000 out-of-pocket expenses. Office visit copays are $10 and $40. Urgent Care and Emergency Room copays are $10-$40 and $80.

Blue Advantage Premier -- $159 premium with $0 deductible and maximum $3,400 out-of-pocket expenses. Office visit copays are $5 and $30. Urgent Care and Emergency Room copays are $5-$30 and $100.

Bright Advantage Plus -- $42 premium with $0 deductible and maximum $3,800 out-of-pocket expenses.

UnitedHealthcare Dual  Complete -- $20 premium with $400 deductible. Office visit copays are $0. Urgent Care and Emergency Room copays are $0 and $65 and $0 and $80.

UnitedHealthcare Nursing Home Plan -- $17 and $32 premium with $400 deductible. Office visit copays are $0 and $0-20%. Urgent Care and Emergency Room copays are $65 and $80.

VIVA Medicare Extra Value -- $32 premium and $399 deductible. Office visit copays are $0 and $0-$10. Urgent Care and Emergency Room copays are $0 or $0-$40, and $0-$80.

VIVA Medicare Plus -- $0 and $28 premium with $200 deductible and maximum $6,700 out-of-pocket expenses. Office visit copays are $5 and $35. Urgent Care and Emergency Room copays are $5-$50 and $80.

VIVA Medicare Premier -- $109 premium with $0 deductible and maximum $5,900 out-of-pocket expenses. Office visit copays are $5 and $20. Urgent Care and Emergency Room copays are $5-$50 and $80.

VIVA Medicare ME -- $0 premium with $0 deductible and maximum $5,900 out-of-pocket expenses. Office visit copays are $5 and $30. Urgent Care and Emergency Room copays are $5-$50 and $80.

Cigna HealthSpring Preferred -- $0 and $59 premium with $100 deductible and maximum $6,700 out-of-pocket expenses. Office visit copays are $0 and $40. Urgent Care and Emergency Room copays are $40 and $80.

Cigna HealthSpring Premier -- $85 premium with $0 deductible and maximum $3,600 out-of-pocket expenses.

Cigna HealthSpring TotalCare -- $20 premium with $400 deductible.

HumanaChoice H5415-077 --  $66 premium with $360 deductible and maximum $6,700 out-of-pocket expenses.

HumanaChoice H5525-020 --  $59 premium with $360 deductible and maximum $6,700 out-of-pocket expenses.

HumanaChoice H6609-097 --  $70 premium with $270 deductible and maximum $6,700 out-of-pocket expenses.

HumanaChoice H6609-118 --  $65 premium with $360 deductible and maximum $6,700 out-of-pocket expenses.

Humana Gold Plus H5619-088 --  $0 premium with $150 deductible and maximum $6,300 out-of-pocket expenses.

Part D Prescription Drug Plans -- Monthly Rate And Deductible

 

Cigna HealthSpring Rx Secure-Extra -- $53.20 per month and $0 deductible

Cigna HealthSpring Rx Secure -- $54.50 per month and $405 deductible

Humana Walmart Rx -- $20.40 per month and $405 deductible

Humana Preferred Rx -- $29.50 per month and $405 deductible

BCBS of Alabama BlueRx Option II -- $118 per month and $0 deductible

BCBS of Alabama BlueRx Option 1 -- $73.70 per month and $405 deductible

Express Scrips Medicare-Choice -- $85.40 per month and $350 deductible

Express Scripts Medicare-Value -- $27 per month and $405 deductible

Express Scripts Medicare-Saver -- $22.60 per month and $405 deductible

SilverScript Choice -- $25.40 per month and $0 deductible

SilverScript Plus -- $69 per month and $0 deductible

AARP MedicareRx Saver Plus -- $53.20 per month and $405 deductible

AARP MedicareRx Preferred -- $85.20 per month and $0 deductible

AARP MedicareRx Walgreens -- $26.70 per month and $405 deductible

Aetna Medicare Rx Saver -- $29.60 per month and $315 deductible

Aetna Medicare Rx Select -- $17.70 per month and $405 deductible

First Health Part D Premier Plus -- $92 per month and $0 deductible

First Health Part D Value Plus -- $56.20 per month and $0 deductible

Symphonix Value Rx -- $25.80 per month and $405 deductible

Magellan Rx Medicare Basic -- $57.30 per month and $405 deductible

WellCare Extra -- $70.60 per month and $0 deductible

 

Long-Term Care Insurance

 

Long-term care coverage provides benefits for expenses associated with chronic illness and other conditions over an extended period. the type of treatment received can be to help with routine activities, or more serious medical conditions that require specialized assistance. Although Medicare will sometimes provide limited long-term coverage, a private plan offers the most comprehensive benefits. Listed below are the companies that are licensed and approved to offer policies in Alabama.

 

Auto-Owners Life
Bankers Life And Casualty
Country Life
Genworth Life
Guaranty Income Life
John Hancock Life
LifeSecure
Massachusetts Mutual
Mutual Of Omaha
National Guardian Life
Nationwide
New York Life
Northwestern Mutual
State Farm
Thrivent
Transamerica

 

Three Medicare Savings Programs

 

If you can't pay your Medicare premium because of lower income or resources, you may be eligible for a program that pays part of your premium, deductible and copays. Qualifications for the program include a household income below a specific level, must be a legal resident, (US citizen or living in Alabama), and be currently eligible for Pat A benefits. The three savings programs are qualifying individual, specified low-income Medicare beneficiary, and qualified Medicare beneficiary.

 

The "Qualifying Individual" program (QI-1) pays the Part B premium of $134 per month. However, since limited funds are available, many enrollment requests are denied. The single monthly income requirements are $1,234-$1,386. The couple monthly income requirements are $1,666-$1,872.

 

The "Specified Low-Income Medicare Beneficiary" program (SLMB) is similar to the prior program, but with the following monthly income requirements: Single -- $1,032-$1,234. Couple -- $1,392-$1,666.

 

The "Qualified Medicare Beneficiary" program (QMB) covers the Part B premium and the Medicare deductibles ($183 for physician visits and $1,340 for hospital expenses). The Part A premium is paid under specific circumstances. The single monthly income limit is $1,032. The couple monthly income limit is $1,392.

Leave a Reply

Your email address will not be published.