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

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, Ambetter, Ascension, and Bright Health offer 2023 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.

 

Most Recent Rate Change Requests For ACA Plans

BCBS

Blue HSA Gold -- 4.17% increase

Blue Saver Bronze -- 3.40% increase

Blue Saver Silver -- 2.07% increase

Blue Secure Silver -- 1.63% increase

Blue Cross Select Silver -- 4.05% increase

Blue Value Silver -- 3.92% increase

Blue Saver Silver EPO -- 4.21% increase

Blue Cross Select Gold -- 4.11% increase

Blue HSA Gold -- 4.05% increase

Blue Value Gold -- 4.11% increase

Blue Protect -- 1.16% increase

 

Bright Health

Bright Health Individual -- 8.13% increase

 

UnitedHealthcare

UHC IND PO -- 13.92% increase

 

Affordable Alabama Health Insurance Rates

Alabama Open Enrollment Provides Guaranteed Healthcare Coverage

 

 

 

 

 

 

BCBS, UnitedHealthcare, And Bright Health 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 $8,700 with maximum out-of-pocket expenses of $8,700. 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 8700 -- Also a catastrophic plan that is offered to persons under age 30, unless "financial hardship" is present. Deductible is $8,700 with maximum out-of-pocket expenses of $8,700. 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 $0 copay.

 

Bronze Tier

 

BCBS Blue Saver Bronze -- $7,850 deductible with maximum out-of-pocket expenses of $7,850 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 $7,000 deductible, and maximum out-of-pocket expenses of $7,000 with 0% coinsurance. HSA plans are ideal for single persons or families with no major medical conditions.

Bright Health Bronze 8700 -- $8,700 deductible with maximum out-of-pocket expenses of $8,700 and 0% coinsurance. $80 pcp office visit copay. Preferred generic drugs are subject to a $25 copay. Urgent Care copay is $50.

Bright Health Bronze 7200 -- $7,200 deductible with maximum out-of-pocket expenses of $8,700 and 50% coinsurance. $0 pcp office visit copay.  The Urgent Care copay is $75. Preferred generic drugs are subject to a $0/$35 copays.

Bright Health Bronze 5300 HSA -- HSA-eligible policy with $5,300 deductible, and maximum out-of-pocket expenses of $7,050 with 50% coinsurance. $50 and $100 office visit copays (after deductible is met).

UnitedHealthcare Bronze Essential+ -- $8,700 deductible, and maximum out-of-pocket expenses of $8,700 with 0% coinsurance.

UnitedHealthcare Bronze Value+ -- $7,900 deductible with maximum out-of-pocket expenses of $8,700 and 50% coinsurance. $25 pcp office visit copay.  The Urgent Care copay is $75. Tier 1 drugs are subject to a $3/$20 copays.

 

Silver Tier

 

BCBS Blue Saver Silver -- $50 and $75 office visit copays with $50 Urgent Care copay. $3,500 deductible and maximum out-of-pocket expenses of $8,150 and 25% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, 25%, and 25% respectively.

BCBS Blue Cross Select Silver -- $40 and $65 office visit copays with $40 Urgent Care copay. $3,700 deductible and maximum out-of-pocket expenses of $8,150 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, $85, and 50% respectively.

BCBS Blue Cross Value Silver -- $45 and $65 office visit copays with $45 Urgent Care copay. $3,000 deductible and maximum out-of-pocket expenses of $8,350 and 20% coinsurance. Tier 1, 2, 3, and 4 drug copays are $20, $30, $85, and 50% respectively.

Bright Health Silver 4000 -- $35 pcp office visit copay with $50 Urgent Care copay. $4,000 deductible and maximum out-of-pocket expenses of $8,700 and 40% coinsurance. Generic drug copay is $15.

Bright Health Silver 5000 -- $40 (first three visits no charge) and $80 office visit copays with $50 Urgent Care copay. $5,000 deductible and maximum out-of-pocket expenses of $8,700 and 40% coinsurance. Preferred generic, preferred brand, non-preferred brand drug copays are $0, $150, and $250. Lab and x-ray copays are $50 and $100.

Bright Health Silver 3000 -- $35 (no charge for first two visits) and $75 office visit copays with $50 Urgent Care copay. $3,000 deductible and maximum out-of-pocket expenses of $8,700 and 40% coinsurance. Preferred generic, preferred brand, non-preferred brand drug copays are $0, $150, and $250. Lab and x-ray copays are $50 and $100.

Bright Health Silver 6700 -- $0  and $75 (no charge for first two visits) office visit copays with $50 Urgent Care copay. $6,700 deductible and maximum out-of-pocket expenses of $8,700 and 40% coinsurance. Preferred generic, preferred brand, non-preferred brand drug copays are $0, $90, and $150. Lab and x-ray copays are $50 and $100.

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)

 

 

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. 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 Senior Coverage

 

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. Prices, 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. 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:

53 -- Blount
52 -- Mobile
52 -- Jefferson
51 -- St. Clair
51 -- Shelby
46 -- Baldwin
44 -- Cullman
43 -- Madison
37 -- Walker

 

AARP Medicare Advantage Choice -- $0 premium with $0 deductible and maximum $5,900 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.

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.

AARP Medicare Advantage 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 $40 and $90. Tier 1 and Tier 2 drug copays are $0 and $10.

AARP Medicare Advantage Plan 3 -- $0 premium with $0 deductible and maximum $5,000 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.

AARP Medicare Advantage Walgreens  -- $0 premium with $55 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.

Aetna Medicare Freedom Plan -- $0 premium with $150 deductible and maximum $6,400 out-of-pocket expenses. Office visit copays are $5 and $30. Urgent Care and Emergency Room copays are $50 and $90. Tier 1 and Tier 2 drug copays are $0 and $0.

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.

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.

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

 

For 2023, 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.