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, UnitedHealthcare, and Ambetter offer 2024 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 (including UHC) 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.
Companies that offer small group coverage include All-Savers (UnitedHealthcare), Federated Mutual, Freedom Life, 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 200,000 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.
2024 Rate Change Requests For ACA Plans
BCBS
Blue HSA Bronze -- 3.04% Increase
Blue Saver Bronze -- 1.36% increase
Blue Saver Silver -- 5.32% increase
Blue Saver Silver EPO -- 5.78% increase
Blue Secure Silver -- 2.51% increase
Blue Cross Select Silver -- 2.47% increase
Blue Value Silver -- 2.67% increase
Blue Saver Silver EPO -- 5.78% increase
Blue Standardized Silver -- 3.92% increase
Blue Standardized Silver EPO -- 3.92% increase
Blue Cross Select Gold -- 5.30% increase
Blue Standardized Gold -- 7.64% increase
Blue HSA Gold -- 4.81% increase
Blue Value Gold -- 4.78% increase
Blue Protect -- 2.33% increase
Bright Health
Bright Health Individual -- 8.13% increase
UnitedHealthcare
UHC IND PO -- 13.92% increase
Alabama Open Enrollment Provides Guaranteed Healthcare Coverage
BCBS, UnitedHealthcare, And Ambetter Alabama Individual And Family Health Insurance Plans
Catastrophic Tier
BCBS Blue Protect -- Catastrophic plan that is offered to persons under age 30, unless "financial hardship" is present. Deductible is $9,450 with maximum out-of-pocket expenses of $9,450. 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
BCBS Blue Saver Bronze -- $8,450 deductible with maximum out-of-pocket expenses of $8,450 and 0% coinsurance. First three 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.
BCBS Blue HSA Bronze -- HSA-eligible policy with $7,200 deductible, and maximum out-of-pocket expenses of $7,200 with 0% coinsurance. HSA plans are ideal for single persons or families with no major medical conditions.
BCBS Blue Standardized Bronze -- $50 and $100 office visit copays with $75 Urgent Care copay. $7,500 deductible and maximum out-of-pocket expenses of $9,400 and 50% coinsurance. Tier 1, 2, 3, and 4 drug copays are $25, $50, $100, and $500 respectively.
UnitedHealthcare Bronze Essential -- $6,450 deductible with maximum out-of-pocket expenses of $9,450 and 50% coinsurance. $40 and $75 office visit copays (deductible applies). The Urgent Care copay is $75. Tier 1 drugs are subject to a $0 copays. Tier 2 drugs are subject to $8 copays. Tier 3 drugs are subject to $50 copays.
UnitedHealthcare Bronze Value -- $8,300 deductible with maximum out-of-pocket expenses of $9,450 and 50% coinsurance. The Urgent Care copay is $75. Tier 1 drugs are subject to a $0 copays. Tier 2 drugs are subject to $5 copays. Tier 3 drugs are subject to $50 copays. Lab testing copay is $20 at freestanding office and $110 at hospital.
UnitedHealthcare Bronze Standard -- $7,500 deductible with maximum out-of-pocket expenses of $9,400 and 50% coinsurance. $50 and $100 office visit copays. The Urgent Care copay is $75. Tier 1 drugs are subject to a $25 copays. Tier 2 drugs are subject to $50 copays (deductible applies).
UnitedHealthcare Bronze Value HSA -- $8,050 deductible, and maximum out-of-pocket expenses of $8,050 with 0% coinsurance.
UnitedHealthcare Bronze Copay Focus $0 Indiv Med Ded -- $0 deductible with maximum out-of-pocket expenses of $9,450 and 50% coinsurance. $50 and $150 office visit copays. The Urgent Care copay is $100. Tier 1 drugs are subject to a $0 copays. Tier 2 drugs are subject to $25 copays. Tier 3 drugs are subject to $50 copays. Lab testing copay is $20 at freestanding office and $150 at hospital. Lab testing copay is $100 at freestanding office and $150 at hospital.
Ambetter CMS Standard Bronze -- $9,100 deductible, and maximum out-of-pocket expenses of $9,100 with 0% coinsurance.
Ambetter Clear Bronze -- $8,600 deductible, and maximum out-of-pocket expenses of $8,600 with 0% coinsurance. $60 Urgent Care copay. Preferred generic and generic drug copays are $5 and $25 ($12.50 and $62.50 mail order).
Ambetter Standard Expanded Bronze -- $50 and $100 office visit copays with $75 Urgent Care copay. $7,500 deductible and maximum out-of-pocket expenses of $9,000 and 50% coinsurance. Preferred generic and generic drug copays are $25 ($62.50 mail order).
Ambetter Everyday Bronze -- $8,300 deductible, and maximum out-of-pocket expenses of $8,700 with 50% coinsurance. $40 and $90 office visit copays. $50 Urgent Care copay. Preferred generic and generic drug copays are $5 and $30 ($12.50 and $75 mail order). $50 lab test copay.
Ambetter Choice Bronze HSA -- $6,900 deductible, and maximum out-of-pocket expenses of $6,900 with 0% coinsurance. HSA-eligible.
Ambetter Elite Bronze -- $0 deductible, and maximum out-of-pocket expenses of $3,800 with 50% coinsurance. $45 and $115 office visit copays. $60 Urgent Care copay. Preferred generic and generic drug copays are $5 and $35 ($12.50 and $87.50 mail order). $60 lab test copay.
Silver Tier
BCBS Blue Saver Silver -- $50 and $75 office visit copays with $50 Urgent Care copay. $3,600 deductible and maximum out-of-pocket expenses of $8,650 and 25% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, 25%, and 25% respectively.
BCBS Blue Cross Standardized Silver EPO -- $40 and $80 office visit copays with $60 Urgent Care copay. $5,800 deductible and maximum out-of-pocket expenses of $8,900 and 40% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $20, $40, and $80 respectively.
BCBS Blue Cross Standardized Silver PPO -- $40 and $80 office visit copays with $60 Urgent Care copay. $5,800 deductible and maximum out-of-pocket expenses of $8,900 and 40% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $20, $40, and $80 respectively.
BCBS Blue Cross Select Silver -- $40 and $75 office visit copays with $40 Urgent Care copay. $4,200 deductible and maximum out-of-pocket expenses of $8,850 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, $85, and 50% respectively. Diagnostic tests fully covered.
BCBS Blue Value Silver -- $45 and $70 office visit copays with $45 Urgent Care copay. $3,500 deductible and maximum out-of-pocket expenses of $9,050 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, $85, and 50% respectively. Diagnostic tests fully covered. $600 copay for imaging.
UnitedHealthcare Silver Advantage+ -- $45 (no charge for first three visits) and $75 office visit copays with $50 Urgent Care copay. $3,800 deductible and maximum out-of-pocket expenses of $8,000 and 40% coinsurance. Tier 1, Tier 2, and Tier 3 drug copays are $3, $30, and $85. Lab and x-ray copays are $25 and $65.
UnitedHealthcare Silver Value+ Saver -- $25 pcp office visit copay ($0 first three visits) with $75 Urgent Care copay. $5,400 deductible and maximum out-of-pocket expenses of $8,700 and 35% coinsurance. Tier 1, Tier 2, and Tier 3 drug copays are $3, $30, and $85. Lab and x-ray visits subject to deductible and coinsurance.
Gold Tier
BCBS Blue Value Gold -- $25 and $45 office visit copays with $25 Urgent Care copay. $750 deductible and maximum out-of-pocket expenses of $6,000 and 20% coinsurance. Tier 1, 2, and 3, drug copays are $10, $25, and $55 respectively ($25, $62.50, and $137.50 mail order). Diagnostic tests not subject to deductible. $300 imaging copay.
Blue Cross Select Gold -- $35 and $50 office visit copays with $35 Urgent Care copay. $850 deductible and maximum out-of-pocket expenses of $6,000 and 20% coinsurance. Tier 1, 2, and 3, drug copays are $10, $20, and $55 respectively ($25, $50, and $137.50 mail order). Diagnostic tests not subject to deductible. $300 imaging copay.
Bright Health Gold 1000 -- $25 and $50 office visit copays with $75 Urgent Care copay. $1,800 deductible and maximum out-of-pocket expenses of $8,700 and 20% coinsurance. Generic and preferred brand drug copays are $0/$15 and $50. Lab and x-ray copays are $50 and $100.
UnitedHealthcare Gold Value -- $20 pcp office visit copay with $75 Urgent Care copay. $2,000 deductible and maximum out-of-pocket expenses of $8,700 and 25% coinsurance. Tier 1, 2, and 3, drug copays are $3, $20, and $50 respectively ($6, $40, and $100 mail order).
UnitedHealthcare Gold Advantage -- $30 pcp office visit copay (first three visits $0 copay) with $75 Urgent Care copay. $2,000 deductible and maximum out-of-pocket expenses of $8,500 and 20% coinsurance. Tier 1, 2, and 3, drug copays are $3, $20, and $55 respectively ($6, $40, and $110 mail order).
Alabama Individual Health Insurance Rates (Monthly)
30-Year-Old Living In Birmingham Area With $34,000 Household Income
$13 -- Bright Health Bronze 8700
$24 -- Bright Health Bronze 7200
$56 -- BCBS Blue Saver Bronze
$58 -- BCBS Blue HSA Bronze
$60 -- Bright Health Bronze $0 Medical Deductible
$65 -- Bright Health Bronze 5300 HSA
$124 -- Bright Health Silver 4000
40-Year-Old Living In Montgomery Area With $42,000 Household Income
$34 -- BCBS Blue Saver Bronze
$36 -- BCBS Blue HSA Bronze
$189 -- BCBS Select Silver
$233 -- BCBS Blue Value Silver
$326 -- BCBS Select Gold
40-Year-Old Married Couple In Huntsville Area With $69,000 Household Income
$57 -- UnitedHealthcare Bronze Essential+
$66 -- BCBS Blue Saver Bronze
$70 -- BCBS Blue HSA Bronze
$97 -- UnitedHealthcare Bronze Value+
$397 -- BCBS Select Silver
40-Year-Old Married Couple And One Child In Mobile Area With $76,000 Household Income
$19 -- UnitedHealthcare Bronze Essential+
$60 -- UnitedHealthcare Bronze Value+
$90 -- BCBS Blue Saver Bronze
$94 -- BCBS Blue HSA Bronze
$452 -- UnitedHealthcare Silver Advantage+
50-Year-Old Married Couple And Two Children In Tuscaloosa Area With $90,000 Household Income
$0 -- BCBS Blue HSA Bronze
$0 -- BCBS Blue Saver Bronze
$372 -- BCBS Select Silver
$524 -- BCBS Blue Value Silver
$848 -- BCBS Select Gold
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:
35-year-old male residing in the Birmingham area
$99 -- $10,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$123 -- $5,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$134 -- $5,000 deductible with 50% coinsurance and $2 million coverage period maximum (Independence American medical plan)
$143 -- $2,500 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$173 -- $1,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$215 -- $2,500 deductible with 20% coinsurance and $2 million coverage period maximum (UnitedHealthcare PPO plan)
35-year old married couple (two persons) residing in the Birmingham area
$188 -- $10,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$221 -- $5,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$243 -- $5,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$260 -- $2,500 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$318 -- $1,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$337 -- $2,500 deductible with 30% coinsurance and $2 million coverage period maximum (UnitedHealthcare PPO plan)
50-year-old female residing in the Huntsville area
$168 -- $10,000 deductible with 50% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$206 -- $5,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$250 -- $5,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$292 -- $2,500 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$336 -- $2,500 deductible with 30% coinsurance and $2 million coverage period maximum (UnitedHealthcare PPO plan)
$351 -- $2,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
50-year-old married couple (two persons) residing in the Huntsville area
$306 -- $10,000 deductible with 50% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$378 -- $5,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$431 -- $5,000 deductible with 30% coinsurance and $2 million coverage period maximum (UnitedHealthcare PPO plan)
$569 -- $2,500 deductible with 30% coinsurance and $2 million coverage period maximum (UnitedHealthcare PPO plan)
$632 -- $2,500 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$658 -- $2,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
30-year-old male residing in the Montgomery area
$77 -- $10,000 deductible with 50% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$91 -- $5,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$96 -- $5,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$111 -- $2,500 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$139 -- $2,500 deductible with 50% coinsurance and $2 million coverage period maximum (Independence American medical plan)
$147 -- $2,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
30-year-old married couple (two persons) residing in the Montgomery area
$152 -- $10,000 deductible with 50% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$185 -- $5,000 deductible with 20% coinsurance and $1 million coverage period maximum (Companion Life indemnity plan)
$185 -- $5,000 deductible with 20% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$203 -- $2,500 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
$283 -- $2,500 deductible with 50% coinsurance and $2 million coverage period maximum (Independence American medical plan)
$284 -- $1,000 deductible with 50% coinsurance and $1 million coverage period maximum (Everest indemnity plan)
Compare Alabama Senior Medigap Plans
Alabama Senior Medigap Insurance Options
List Of Companies Offering Coverage
AARP-UnitedHealthcare
Ace Property And Casualty
Aetna
AFLAC
Allstate
American Benefit Life
American Home Life
American Retirement Life
Assured Life
Bankers Fidelity Life
BCBS
Capitol Life
Cigna
Continental Life
Elips Life
First Community Health
Gerber
Globe
GPM Health
Guarantee Trust Life
Heartland National Life
Humana
Manhattan Life
Medico
Omaha Insurance
New Era Life
Physicians Select
Reserve National
S. USA Life
State Farm
Transamerica
United American
United States Fire
Woodmen Of The World Life
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. Rates shown are based on a 65-year-old female.
Mobile County Plan A -- Age 65
$67 -- AARP-UnitedHealthcare
$86 -- Mutual Of Omaha
$93 -- United American
$94 -- Continental Life
$95 -- Capitol Life
$96 -- Lumico Life
$100 -- Accendo
$100 -- United States Fire
$102 -- Manhattan Life
$106 -- New Era Life
$107 -- Cigna
$112 -- Union Security
$113 -- Central States
$113 -- National Health
$114 -- Great Southern Life
$129 -- Humana
Mobile County Plan B -- Age 65
$108 -- Continental Life
$109 -- AARP-UnitedHealthcare
$120 -- United States Fire
$182 -- United American
$206 -- Assured Life
Mobile County Plan F -- Age 65
$113 -- Cigna
$115 -- Mutual Of Omaha
$117 -- Manhattan Life
$119 -- Lumico Life
$119 -- United States Fire
$120 -- Capitol Life
$123 -- Great Southern Life
$123 -- Accendo
$124 -- Central States
$125 -- Cigna
$127 -- AARP-UnitedHealthcare
$141 -- Union Security
$169 -- Humana
Mobile County Plan F (HD) -- Age 65
$27 -- United American
$33 -- Great Southern Life
$36 -- New Era Life
$45 -- National Health
$67 -- Humana
Mobile County Plan G -- Age 65
$96 -- Capitol Life
$97 -- Manhattan Life
$97 -- Lumico Life
$99 -- Mutual Of Omaha
$100 -- United States Fire
$102 -- Bankers Fidelity
$103 -- AARP-UnitedHealthcare
$106 -- Cigna
$107 -- Union Security
$108 -- Continental Life
$113 -- Great Southern Life
$114 -- Accendo
$114 -- New Era Life
$118 -- National Health
$175 -- United American
$213 -- Assured Life
Mobile County Plan G (HD) -- Age 65
$27 -- United American
$30 -- New Era Life
$34 -- Mutual Of Omaha
$37 -- US Fire
$37 -- Bankers Fidelity
$43 -- Continental Life
Mobile County Plan N -- Age 65
$72 -- Capitol Life
$73 -- Cigna
$75 -- Mutual Of Omaha
$76 -- Great Southern Life
$76 -- Manhattan Life
$76 -- Lumico Life
$77 -- New Era Life
$79 -- United States Fire
$80 -- Union Security
$81 -- Central States
$81 -- Continental Life
$86 -- AARP-UnitedHealthcare
$96 -- Accendo
$97 -- National Health
$109 -- Humana
$151 -- United American
Jefferson County Plan A -- Age 65
$65 -- AARP-UnitedHealthcare
$94 -- Mutual Of Omaha
$98 -- Continental Life
$102 -- Lumico Life
$103 -- United States Fire
$104 -- Capitol Life
$116 -- Union Security
$119 -- New Era Life
$120 -- Guarantee Trust Life
$123 -- Thrivent
$125 -- Great Southern Life
$125 -- BCBS Of Alabama
$126 -- Cigna
$129 -- Humana
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 often included. Prices, deductibles, copays, and maximum out-of-pocket expenses can vary, depending upon the county of residence.
Monthly premiums shown may vary, depending upon your county of residence. PPO and HMO plans may not be offered in all counties. SMP options are also available. The plans below include prescription drug benefits. Before considering an MA plan, it is important to verify that your physician, specialist, or hospital of choice is in the provider network.
Counties with the highest number of available MA plan are:
64 -- Jefferson
64 -- Mobile
60 -- Baldwin
60 -- Shelby
59 -- St. Clair
59 -- Blount
58 -- Chilton
57 -- Autauga
57 -- Madison
56 -- Walker
56 -- Talladega
56 -- Etowah
56 -- Cullman
54 -- Colbert
53 -- Bibb
53 -- Limestone
52 -- Lauderdale
50 -- Cherokee
50 -- Dallas
48 -- Elmore
48 -- Coosa
48 -- Lowndes
AARP Medicare Advantage from UHC AL-0001 -- $0 premium with $0 deductible and maximum $4,900 out-of-pocket expenses. Office visit copays are $0 and $0-$25. Urgent Care and Emergency Room copays are $0-$40 and $120. Tier 1 and Tier 2 drug copays are $0 and $12. Summary Star Rating is 4.0. $45 copay for diagnostic tests and procedures.
AARP Medicare Advantage from UHC AL-0002 -- $39 premium with $0 deductible and maximum $3,800 out-of-pocket expenses. Office visit copays are $0 and $0-$20. Urgent Care and Emergency Room copays are $0-$40 and $135. Tier 1 and Tier 2 drug copays are $0 and $8. Summary Star Rating is 4.0. $45 copay for diagnostic tests and procedures.
AARP Medicare Advantage from UHC AL-0003 -- $0 premium with $0 deductible and maximum $4,900 out-of-pocket expenses. Office visit copays are $0 and $0-$25. Urgent Care and Emergency Room copays are $0-$40 and $120. Tier 1 and Tier 2 drug copays are $0 and $10. Summary Star Rating is 4.0. $45 copay for diagnostic tests and procedures.
AARP Medicare Advantage Plan 1 -- $0 premium with $0 deductible and maximum $4,900 out-of-pocket expenses. Office visit copays are $0 and $25. Urgent Care and Emergency Room copays are $40 and $90. Tier 1 and Tier 2 drug copays are $0 and $12. Summary Star Rating is 4.0.
AARP Medicare Advantage Plan 2 -- $33 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 $40 and $90. Tier 1 and Tier 2 drug copays are $0 and $8. Summary Star Rating is 4.0.
AARP Medicare Advantage Plan 3 -- $0 premium with $0 deductible and maximum $4,900 out-of-pocket expenses. Office visit copays are $0 and $25. Urgent Care and Emergency Room copays are $40 and $90. Tier 1 and Tier 2 drug copays are $0 and $10. Summary Star Rating is 4.5.
AARP Medicare Advantage Walgreens -- $0 premium with $0 deductible and maximum $4,500 out-of-pocket expenses. Office visit copays are $0 and $25. Urgent Care and Emergency Room copays are $40 and $90. Tier 1 and Tier 2 drug copays are $0 and $3. Summary Star Rating is 4.0.
Aetna Medicare Freedom Plan -- $0 premium with $0 deductible and maximum $5,000 out-of-pocket expenses. Office visit copays are $0 and $30. Urgent Care and Emergency Room copays are $50 and $110. Tier 1 and Tier 2 drug copays are $0 and $0. Summary Star Rating is 3.5.
Aetna Medicare Dual Preferred Plan -- $0 premium with $0 deductible. Office visit copays are $0 and $0. Urgent Care and Emergency Room copays are $0 and $0. Tier 1 and Tier 2 drug copays are $0 and $0. Summary Star Rating is 4.0.
Aetna Medicare Dual Select Plan -- $0 premium with $0 deductible. Office visit copays are $0 and $0 or $15. Urgent Care and Emergency Room copays are $0 or $25 and $0 or $95. Tier 1 and Tier 2 drug copays are $0 and $0. Summary Star Rating is 4.0.
Ascension Complete St. Vincent's Access -- $0 premium with $0 deductible and maximum $2,900 out-of-pocket expenses. Office visit copays are $0 and 20%. Urgent Care and Emergency Room copays are $40 and $120. Tier 1 and Tier 2 drug copays are $0 and $5. No Summary Star Rating yet.
Ascension Complete St. Vincent's Reward -- $0 premium with $480 deductible and maximum $3,450 out-of-pocket expenses. Office visit copays are $0 and $50. Urgent Care and Emergency Room copays are $45 and $125. Tier 1 and Tier 2 drug copays are $0 and $5. No Summary Star Rating yet.
Ascension Complete Provident Access -- $0 premium with $0 deductible and maximum $2,900 out-of-pocket expenses. Office visit copays are $0 and 20%. Urgent Care and Emergency Room copays are $40 and $120. Tier 1 and Tier 2 drug copays are $0 and $5. No Summary Star Rating yet.
Ascension Complete Provident Reward -- $0 premium with $480 deductible and maximum $3,450 out-of-pocket expenses. Office visit copays are $0 and $50. Urgent Care and Emergency Room copays are $45 and $125. Tier 1 and Tier 2 drug copays are $0 and $5. No Summary Star Rating yet.
Blue Advantage Complete -- $0 premium with $150 deductible and maximum $5,100 out-of-pocket expenses. Office visit copays are $5 and $40. Urgent Care and Emergency Room copays are $5-$40 and $90. Tier 1 and Tier 2 drug copays are $4 and $13.
Blue Advantage Premier -- $171 premium with $0 deductible and maximum $3,400 out-of-pocket expenses. Office visit copays are $5 and $25. Urgent Care and Emergency Room copays are $5-$25 and $120. Tier 1 and Tier 2 drug copays are $8 and $40.
Cigna Preferred Medicare -- $0 premium with $0 deductible and maximum $5,000 out-of-pocket expenses. Office visit copays are $0-$5. Urgent Care and Emergency Room copays are $20 and $90. Tier 1 and Tier 2 drug copays are $2 and $8.
Cigna Preferred AL Medicare -- $0 premium with $195 deductible and maximum $6,500 out-of-pocket expenses. Office visit copays are $0 and $35. Urgent Care and Emergency Room copays are $40 and $90. Tier 1 and Tier 2 drug copays are $2 and $8
Cigna Preferred Plus Medicare -- $30 premium with $0 deductible and maximum $4,500 out-of-pocket expenses. Office visit copays are $0. Urgent Care and Emergency Room copays are $20 and $90. Tier 1 and Tier 2 drug copays are $2 and $4.
Cigna True Choice Medicare -- $0 premium with $0 deductible and maximum $5,100 out-of-pocket expenses. Office visit copays are $0-$5. Urgent Care and Emergency Room copays are $25 and $90. Tier 1 and Tier 2 drug copays are $2 and $8.
Humana Gold Plus -- $0 premium with $0 deductible and maximum $6,300 out-of-pocket expenses. Office visit copays are $0 and $25. Urgent Care and Emergency Room copays are $0-$25 and $90. Tier 1 and Tier 2 drug copays are $5 and $15.
HumanaChoice PPO -- $26 premium with $480 deductible and maximum $6,700 out-of-pocket expenses. Office visit copays are $10 and $40. Urgent Care and Emergency Room copays are $10-$40 and $90. Tier 1 and Tier 2 drug copays are $4 and $15.
HumanaChoice Regional PPO -- $84 premium with $380 deductible and maximum $6,700 out-of-pocket expenses. Office visit copays are $20 and $45. Urgent Care and Emergency Room copays are $20-$45 and $90. Tier 1 and Tier 2 drug copays are $5 and $12.
UnitedHealthcare Dual Complete -- $0 premium with $0 deductible. Office visit copays are $0. Urgent Care and Emergency Room copays are $0 or $65 and $0 or $90. Tier 1 and Tier 2 drug copays are 15%.
UnitedHealthcare Nursing Home Plan -- $28.70 premium with $435 deductible. Office visit copays are $0 and $0-20%. Urgent Care and Emergency Room copays are $65 and $90. Tier 1 and Tier 2 drug copays are 25%.
VIVA Medicare Extra Value -- $0 premium and $0 deductible. Office visit copays are $0 and $0-$10. Urgent Care and Emergency Room copays are $0 or $0-$40, and $0-$90. Tier 1 and Tier 2 drug copays are 25%.
VIVA Medicare Plus -- $0 premium with $150 deductible and maximum $6,700 out-of-pocket expenses. Office visit copays are $0 and $40. Urgent Care and Emergency Room copays are $0-$50 and $90. Tier 1 and Tier 2 drug copays are $0 and $14.
VIVA Medicare Premier -- $104 premium with $0 deductible and maximum $5,500 out-of-pocket expenses. Office visit copays are $0 and $15. Urgent Care and Emergency Room copays are $0-$40 and $90. Tier 1 and Tier 2 drug copays are $0 and $8.
VIVA Medicare Prime -- $45 premium with $0 deductible and maximum $5,900 out-of-pocket expenses. Office visit copays are $0 and $30. Urgent Care and Emergency Room copays are $0 and $50 and $90. Tier 1 and Tier 2 drug copays are $0 and $12.
Part D Prescription Drug Plans -- Monthly Rate And Deductible
24 plans (including 15 enhanced plans) are available with monthly rates ranging from $7.40 to $106.20. The average rate of all plans is $46.33. Eight plans have premium decreases while 14 plans have increases in premiums. The five least expensive plans are SilverScript SmartSaver, Wellcare Value Script, Clear Spring Health Premier Rx, Cigna Saver Rx, Humana Mutual Of Omaha Rx Essential, and Clear Spring Health Value Rx.
Cigna Extra Rx -- $63.10 per month and $100 deductible. Preferred Pharmacy copays are $4 (Tier 1), $10 (Tier 2), $45 (Tier 3), 50% (Tier 4) and 31% (Tier 5). 3,342 available formulary drugs and 3.0-Star rating.
Cigna Secure Rx -- $31.20 per month and $505 deductible. Preferred Pharmacy copays are $1 (Tier 1), $5 (Tier 2), $25 (Tier 3), 50% (Tier 4) and 25% (Tier 5). 3,162 available formulary drugs and 3.0-Star rating.
Cigna Saver Rx -- $12.80 per month and $505 deductible. Preferred Pharmacy copays are $0 (Tier 1), $10 (Tier 2), $40 (Tier 3), 50% (Tier 4) and 25% (Tier 5). 3,289 available formulary drugs and 3.0-Star rating.
Humana Walmart Value Rx -- $22.70 per month and $480 deductible. Preferred Pharmacy copays are $1 (Tier 1), $4 (Tier 2), 16% (Tier 3), 40% (Tier 4) and 25% (Tier 5). 3,221 available formulary drugs and 4.0-Star rating.
Humana Basic Rx -- $31.30 per month and $480 deductible. Preferred Pharmacy copays are $0 (Tier 1), $1 (Tier 2), 19% (Tier 3), 39% (Tier 4) and 25% (Tier 5). 3,104 available formulary drugs and 4.0-Star rating.
Humana Premier Rx -- $74.90 per month and $480 deductible. Preferred Pharmacy copays are $1 (Tier 1), $4 (Tier 2), $45 (Tier 3), 49% (Tier 4) and 25% (Tier 5). 3,281 available formulary drugs and 4.0-Star rating.
Mutual Of Omaha Rx Premier -- $25.60 per month and $445 deductible. Preferred Pharmacy copays are $0 (Tier 1), $2 (Tier 2), 23% (Tier 3), 46% (Tier 4) and 25% (Tier 5). 2,943 available formulary drugs and 2.5-Star rating.
Mutual Of Omaha Rx Plus -- $81.50 per month and $445 deductible. Preferred Pharmacy copays are $0 (Tier 1), $2 (Tier 2), 20% (Tier 3), 38% (Tier 4) and 25% (Tier 5). 2,899 available formulary drugs and 2.5-Star rating.
Express Scrips Medicare-Choice -- $68.80 per month and $100 deductible. Preferred Pharmacy copays are $2 (Tier 1), $7 (Tier 2), $42 (Tier 3), 50% (Tier 4) and 31% (Tier 5). 3,224 available formulary drugs and 3.5-Star rating.
Express Scripts Medicare-Value -- $25.70 per month and $445 deductible. Preferred Pharmacy copays are $1 (Tier 1), $4 (Tier 2), $34 (Tier 3), 50% (Tier 4) and 25% (Tier 5). 3,033 available formulary drugs and 3.5-Star rating.
Express Scripts Medicare-Saver -- $25.30 per month and $285 deductible. Preferred Pharmacy copays are $2 (Tier 1), $7 (Tier 2), $35 (Tier 3), 50% (Tier 4) and 28% (Tier 5). 2,951 available formulary drugs and 3.5-Star rating.
SilverScript Choice -- $28.60 per month and $350 deductible. Preferred Pharmacy copays are $0 (Tier 1), $1 (Tier 2), $47 (Tier 3), 38% (Tier 4) and 26% (Tier 5). 3,007 available formulary drugs and 4.0-Star rating.
SilverScript Plus -- $69.80 per month and $0 deductible. Preferred Pharmacy copays are $0 (Tier 1), $2 (Tier 2), $47 (Tier 3), 50% (Tier 4) and 33% (Tier 5). 3,057 available formulary drugs and 4.0-Star rating.
AARP MedicareRx Saver Plus -- $28.90 per month and $435 deductible. Preferred Pharmacy copays are $1 (Tier 1), $5 (Tier 2), $26 (Tier 3), 35% (Tier 4) and 25% (Tier 5). 3,072 available formulary drugs and 3.5-Star rating.
AARP MedicareRx Preferred -- $76.10 per month and $0 deductible. Preferred Pharmacy copays are $5 (Tier 1), $10 (Tier 2), $45 (Tier 3), 40% (Tier 4) and 33% (Tier 5). 3,507 available formulary drugs and 3.5-Star rating.
AARP MedicareRx Walgreens -- $34.00 per month and $435 deductible. Preferred Pharmacy copays are $0 (Tier 1), $5 (Tier 2), $40 (Tier 3), 32% (Tier 4) and 25% (Tier 5). 3,018 available formulary drugs and 3.5-Star rating.
WellCare Wellness Rx -- $14.20 per month and $435 deductible. Preferred Pharmacy copays are $0 (Tier 1), $5 (Tier 2), $40 (Tier 3), 46% (Tier 4) and 25% (Tier 5). 3,453 available formulary drugs and 3.5-Star rating.
WellCare Value Script -- $17.20 per month and $435 deductible. Preferred Pharmacy copays are $0 (Tier 1), $6 (Tier 2), $43 (Tier 3), 47% (Tier 4) and 25% (Tier 5). 3,453 available formulary drugs and 3.5-Star rating.
WellCare Classic -- $28.50 per month and $435 deductible. Preferred Pharmacy copays are $0 (Tier 1), $2 (Tier 2), $31 (Tier 3), 34% (Tier 4) and 25% (Tier 5). 3,086 available formulary drugs and 3.5-Star rating.
WellCare Medicare Rx Select -- $19.40 per month and $435 deductible. Preferred Pharmacy copays are $0 (Tier 1), $3 (Tier 2), $47 (Tier 3), 42% (Tier 4) and 25% (Tier 5). 3,458 available formulary drugs and 3.5-Star rating.
WellCare Medicare Rx Value Plus -- $70.10 per month and $0 deductible. Preferred Pharmacy copays are $1 (Tier 1), $4 (Tier 2), $47 (Tier 3), 45% (Tier 4) and 25% (Tier 5). 3,458 available formulary drugs and 3.5-Star rating.
WellCare Medicare Rx Saver -- $31.00 per month and $435 deductible. Preferred Pharmacy copays are $0 (Tier 1), $2 (Tier 2), $28 (Tier 3), 37% (Tier 4) and 25% (Tier 5). 3,182 available formulary drugs and 3.5-Star rating.
EnvisionRxPlus -- $14.20 per month and $435 deductible. Preferred Pharmacy copays are $1 (Tier 1), $7 (Tier 2), $35 (Tier 3), 40% (Tier 4) and 25% (Tier 5). 3,150 available formulary drugs and 3.0-Star rating.
Farm Bureau Essential Rx -- $60.50 per month and $435 deductible. Preferred Pharmacy copays are $3 (Tier 1), $8 (Tier 2), $38 (Tier 3), 40% (Tier 4) and 25% (Tier 5). 3,492 available formulary drugs and 3.0-Star rating.
Farm Bureau Select Rx -- $100.40 per month and $0 deductible. Preferred Pharmacy copays are $1 (Tier 1), $6 (Tier 2), $35 (Tier 3), 35% (Tier 4) and 25% (Tier 5). 3,492 available formulary drugs and 3.0-Star rating.
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.