Alabama Medicare Supplement (Medigap) Insurance Plans 2026: Costs, Enrollment & Best Plans

Last updated: April 2, 2026. Based on CMS 2026 Medicare data, Alabama Department of Insurance, and major Medigap carrier rate filings.

Alabama Medicare Supplement Plans: Quick Overview

Over 1.1 million Alabama residents are enrolled in Medicare in 2026. Medicare Supplement (Medigap) plans help cover the out-of-pocket costs that Original Medicare (Parts A and B) does not pay, such as deductibles, copayments, and coinsurance.

Alabama offers standardized Medigap plans A, B, C, D, F, G, K, L, M, and N. Plans F and C are only available to those who were eligible for Medicare before January 1, 2020.

2026 Alabama Medigap Plan Costs (Age 65)

Rates shown are averages for 65-year-old non-tobacco users. Actual premiums vary by carrier, zip code, gender, and health status.

Plan G: Alabama's Most Popular Choice

Plan G has become the go-to Medigap plan in Alabama since Plan F closed to new enrollees in 2020. Key features:

• Covers Medicare Part A deductible ($1,676 in 2026)
• Covers Part B coinsurance (20% of Medicare-approved amounts)
• Covers Part A hospice coinsurance
• Covers skilled nursing facility coinsurance
• Covers foreign travel emergency (80% after $250 deductible)
• Does NOT cover the Part B deductible ($257 in 2026)

Average Plan G premiums by age in Alabama:

Plan N: The Budget Alternative

Plan N offers strong coverage at lower premiums by requiring small copays:

• $20 copay for office visits
• $50 copay for emergency room visits (waived if admitted)
• Does not cover Medicare Part B excess charges

In Alabama, Plan N averages $179/month for 65-year-olds, saving roughly $12-$50/month compared to Plan G.

Plan K and Plan L: Caps on Out-of-Pocket Costs

Plans K and L are designed for those who want lower premiums with financial protection:

• Plan K covers 50% of most Medicare cost-sharing, with a 2026 out-of-pocket maximum of $7,220
• Plan L covers 75% of most Medicare cost-sharing, with a 2026 out-of-pocket maximum of $3,610

Once you hit the out-of-pocket cap, the plan pays 100% of covered services for the rest of the year.

Alabama Medigap Open Enrollment Period

Your guaranteed-issue window is the most important enrollment period:

• Lasts 6 months starting the month you are both 65+ and enrolled in Medicare Part B
• During this window: insurers must accept your application regardless of health
• No pre-existing condition exclusions
• You can choose any plan available in Alabama

After this window closes, you can still apply, but insurers can require medical underwriting and may deny coverage based on health conditions.

Alabama Medigap Guaranteed Issue Rights

Alabama follows federal guaranteed-issue rules. You have guaranteed issue rights in these situations:

1. Your Medicare Advantage plan is leaving the area or ending coverage
2. You move out of your Medicare Advantage plan's service area
3. Your Medigap insurer goes bankrupt
4. You dropped a Medigap plan to join a Medicare Advantage plan for the first time (trial right, within 12 months)
5. You joined a Medicare SELECT plan and move out of the plan's area
6. Your Medigap plan is ending (insurer discontinues the plan)

In each case, you have a 63-day window to enroll in a new Medigap plan without medical underwriting.

Alabama Medigap vs. Medicare Advantage

Alabama has 98 Medicare Advantage plans available in 2026, up from 93 in 2025. The average MA premium dropped to $10.62 from $15.76 in 2025. 100% of Alabama residents have access to a $0 premium MA plan.

Blue Cross Blue Shield of Alabama C Plus Select

BCBSAL's C Plus Select is a Medicare SELECT plan (a type of Medigap) available in Plans B, F, and G. It uses an issue-age pricing model with three age categories:

Key advantage: You lock into your age category at enrollment. If you enroll at 65, you stay in Category A even after turning 70 — but a 70-year-old new enrollee enters Category C.

C Plus Select also offers: $0 copays for Medicare-eligible doctor visits and ER visits, no referrals needed, 100% coverage for inpatient hospital stays, and a hearing benefit through TruHearing ($0 routine exam, hearing aids starting at $499).

BCBSAL also offers a standalone Plan A at $177/month (flat rate, any age) with a 180-day pre-existing condition waiting period.

Top Medigap Providers in Alabama (2026)

Pricing method matters:

• Attained-age policies start cheaper but premiums increase as you age
• Issue-age policies are priced based on your age when you buy — increases are smaller over time
• Community-rated policies charge everyone the same regardless of age (rare in Alabama)

Alabama Medicare Part A and Part B Costs (2026)

Understanding what Medigap covers requires knowing what Original Medicare charges:

How to Enroll in an Alabama Medigap Plan

1. Confirm Medicare Part A and B enrollment — Medigap only works with Original Medicare
2. Shop during your open enrollment window (first 6 months after Part B starts at age 65+)
3. Compare plans and carriers — use the Medicare Plan Finder at medicare.gov
4. Apply directly with the carrier or through a licensed insurance agent
5. Cancel your Medicare Advantage plan if switching from MA to Medigap + Original Medicare

Common Enrollment Mistakes to Avoid

1. Missing the 6-month open enrollment window — after it closes, medical underwriting can block you
2. Choosing based only on premium — a cheaper plan may leave gaps that cost more long-term
3. Not comparing carriers — the same Plan G can vary by $50-100/month between insurers
4. Dropping Medigap for Medicare Advantage without understanding the trial right — you may not get back into Medigap
5. Assuming Plan F is still available — it closed to new Medicare beneficiaries on January 1, 2020

Practice CTA

• Start Alabama Life & Health Insurance Exam Prep
• Free Life & Health Insurance Practice Test
• Browse Insurance Exam Resources

Official Sources (2026)

• Medicare.gov: Medigap Plan Finder
• Alabama Department of Insurance
• CMS 2026 Medicare Costs
• Blue Cross Blue Shield of Alabama Medicare Supplement