Alabama Medicare Plans
Alabama residents turning 65 become eligible for Medicare. Alabama is one of many states that offer standardized Medicare supplements plans, also called Medigap plans. Alabama residents have a choice between Plan A, B, C, D, F, G, H, K, L, M, and N.
You can enroll in a Medigap plan at any time of the year. However, it is beneficial to enroll during your open enrollment period.
Alabama Medicare plans open enrollment
Medicare beneficiaries in Alabama are eligible for Medicare at age 65. Initial enrollment begins three months before your birth month and lasts three months after. During initial enrollment, you can also apply for Medicare Supplements.
Initial enrollment begins three months before your birth month and lasts three months after. This is also the time you can apply for Medicare Supplements. While you can enroll in a supplement at any time, initial enrollment is the best time to do so because you cannot be turned down due to health conditions considering you won’t have to answer health questions on your application. If you miss this window, you’ll likely have to answer health questions to apply, which means you could be turned down by other Alabama Medicare supplement plans.
Alabama Medicare Advantage
All Alabama Medicare Advantage, also known as Part C, plans must follow the same rules set by Medicare throughout the nation. also follow the same rules set by Medicare. The law states that all carriers may only ask one qualifying health question about kidney failure (end-stage renal disease). As long as you do not have that, you qualify for a Medicare Part C plan in Alabama. Additionally, you must also live in the plan’s service area.
However, you can only enroll in these plans during certain periods of time.
Alabama Medicare Part D
While Original Medicare or Medicare Supplements don’t offer coverage for prescription drugs, there is an option to enroll in Medicare Part D. There are over 29 Part D plans available in Alabama. Medicare Advantage is another option as well.
Alabama Medicare For People Under 65
In Alabama, companies aren’t required to offer open enrollment to people who are under age 65, meaning you have to pass a medical health underwriting to be accepted for a Medicare supplement.
Since most people who qualify for Medicare under 65 have a disability, they may not be able to pass the health questions. These people may want to consider an Alabama Medicare Advantage policy instead for now.
Medicare Advantage for Residents Under 65 with Disabilities in Alabama
While Medicare is generally reserved for those turning 65, there are cases in which someone may be eligible for Medicare under the age of 65. This includes individuals with disabilities who have received Social Security Disability Income for 24 months or have End Stage Renal Disease (ESRD) or Amyotropic Lateral Sclerosis (ALS, also known as Lou Gehrig’s disease).
It is important to note that there is a five-month waiting period after a beneficiary is determined to be disabled before they can begin to collect Social Security Disability Income. People who meet all the criteria for Social Security Disability Income are generally automatically enrolled in Medicare Part A and Part B. For the people who meet the standards, but do not qualify for Social Security Income, have an option to purchase Medicare by paying a Part A premium monthly as well as a monthly Part B premium.
An exception to the 5-month waiting people does apply for those people with ESRD and ALS. These individuals do not have to collect benefits for 24 months in order to become eligible for Medicare.
The requirements for Medicare eligibility for people with ESRD and ALS are:
- ESRD – Generally 3 months after a course of regular dialysis begins or after a kidney transplant
- ALS – Immediately upon collecting Social Security Disability benefits
Regrettably, those with disabilities often have lower incomes, require more health care, and find it more difficult to pay for and obtain care compared to Medicare beneficiaries over 65 years of age. Take our Medicare quiz now to see if you qualify for incredible Medicare benefits, even if you are under the age of 65.
Every state is different, and so obtaining Medicare benefits in Alabama can be complicated or confusing. If you are disabled or under the age of 65 wondering if you qualify, it is best to contact us directly to see if you are eligible.
What Medicare benefits am I eligible for under the age of 65 in Alabama?
At 100 Insure, we can help you discover benefits you might be eligible for including:
- Premiums starting at $0 per month
- Coverage for copays and deductibles
- Prescription drugs
- And transportation to the doctor and pharmacy
That’s right. Our company has helped qualified people under the age of 65 in Alabama receive benefits like:
- Massage services
- Meals after a hospital
- Food for their service dog
- A gym membership
- Money for vitamins and groceries
- Home improvements
- In home care & aides
- And pest control services
Contact us today to see if you qualify.
Medicare Coverage for Working People in Alabama with Disabilities
Medicare eligibility for working people with disabilities falls into three distinct time frames.
- Trial work period – extends 9 months after a disabled individual obtains a job
- Second period – This period is for 93 months after the end of the trial work period.
- Third period – An indefinite period following those 93 months.
Keep in mind that Medicare eligibility during each of these periods applies only while the individual continues to meet the medical standard for being considered disabled under Social Security rules.