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

> Compare Alabama Medicare Supplement plans for 2026. Plan G averages $191/mo, Plan N $179/mo. Enrollment windows, guaranteed issue rights, costs by age, and top providers explained.

- Canonical: https://open-exam-prep.com/blog/alabama-medicare-supplement-insurance-plans-2026
- Published: 2026-04-02
- Updated: 2026-10-26
- Author: Ran Chen, EA, CFP®
- Publisher: OpenExamPrep, free exam prep

## Key facts

- Over 1.1 million Alabama residents are enrolled in Medicare in 2026.
- Alabama Medigap Plan G averages $191/month for 65-year-olds, making it the most popular comprehensive option.
- Alabama Medigap Plan N averages $179/month with small copays ($20 office visits, $50 ER visits).
- Alabama has a 6-month Medigap open enrollment window starting when you are 65+ and enrolled in Part B.
- Plans F and C are no longer available to people who became eligible for Medicare on or after January 1, 2020.
- Plan K out-of-pocket maximum is $7,220 in 2026; Plan L is $3,610.
- Alabama has 98 Medicare Advantage plans in 2026 with an average premium of $10.62/month.
- Transamerica offers the cheapest Plans B, K, and L in Alabama; USAA offers the cheapest Plans F and G.

*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)

| Plan | Average Monthly Premium | Coverage Level | Best For |
|---|---|---|---|
| Plan A | \$107 | Basic benefits only | Minimal coverage at lowest cost |
| Plan B | \$213 | Basic + Part A deductible | Slightly more than Plan A |
| Plan D | \$151 | Similar to Plan G but no excess charges | Good mid-range option |
| Plan F | \$272 | Most comprehensive (pre-2020 eligible only) | Maximum coverage |
| Plan G | \$191 | Nearly comprehensive (no Part B deductible) | Best value for comprehensive coverage |
| Plan K | \$99 | 50% cost-sharing with OOP max | Budget-friendly with catastrophic cap |
| Plan L | \$158 | 75% cost-sharing with OOP max | Moderate protection with cap |
| Plan M | \$129 | 50% Part A deductible + travel | Moderate coverage |
| Plan N | \$179 | Copays for office/ER visits | Popular lower-premium comprehensive |

*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 (\$1,736 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 (\$283 in 2026)

Average Plan G premiums by age in Alabama:

| Age Range | Average Monthly Premium |
|---|---|
| 65 (entry) | \$133-\$191 |
| 70-74 | \$220-\$265 |
| 75+ | \$237-\$310 |

## 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

| Feature | Medigap (Supplement) | Medicare Advantage (Part C) |
|---|---|---|
| Monthly premium | \$99-\$289 (2026 avg) | \$10.62 avg (many \$0 plans available) |
| Network restrictions | None — see any Medicare provider | Usually HMO or PPO network |
| Out-of-pocket max | Only Plans K and L have caps | All plans have caps (max \$9,350 in 2026) |
| Prescription drugs | Not included (need separate Part D) | Usually included |
| Referrals | Not required | May be required |
| Extra benefits | None | Often includes dental, vision, hearing |

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:

| Age Category | Plan B | Plan F | Plan G |
|---|---|---|---|
| Age 65 (Category A) | \$216/mo | \$272/mo | \$237/mo |
| Age 66-69 (Category B) | \$238/mo | \$300/mo | \$262/mo |
| Age 70+ (Category C) | \$264/mo | \$333/mo | \$290/mo |
| Medicare Disability (Category D) | \$432/mo | \$544/mo | \$474/mo |

**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)

| Provider | Cheapest Plans | Pricing Style |
|---|---|---|
| Transamerica | Plans B, K, L | Issue-age pricing |
| USAA | Plans F, G | Attained-age pricing |
| United American | Plan A | Attained-age pricing |
| State Farm | Plan D | Attained-age pricing |
| New Era | Plans C, M | Attained-age pricing |
| MedMutual Protect | Plan N | Attained-age pricing |
| Blue Cross Blue Shield of Alabama | Plans B, F, G | Issue-age (age category) |

**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:

| Cost | 2026 Amount |
|---|---|
| Part A premium (most people) | \$0 |
| Part A premium (30-39 quarters) | \$311/month |
| Part A premium (under 30 quarters) | \$565/month |
| Part A deductible | \$1,736 |
| Part B premium (standard) | \$202.90/month |
| Part B deductible | \$283 |
| Part B coinsurance | 20% of Medicare-approved amount |

## 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

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## Official Sources (2026)

- [Medicare.gov: Medigap Plan Finder](https://www.medicare.gov/medigap)
- [Alabama Department of Insurance](https://www.aldoi.gov/)
- [CMS 2026 Medicare Costs](https://www.medicare.gov/basics/costs/medicare-costs)
- [Blue Cross Blue Shield of Alabama Medicare Supplement](https://www.bcbsalmedicare.com/)

## FAQ

### What is the best Medicare Supplement plan in Alabama?

Plan G is the most popular choice in Alabama for comprehensive coverage. It covers nearly all Medicare out-of-pocket costs except the Part B deductible ($283 in 2026). Average cost is $191/month for 65-year-olds.

### When is the Medigap open enrollment period in Alabama?

Your open enrollment window lasts 6 months starting the month you are both 65 or older and enrolled in Medicare Part B. During this time, insurers must accept you regardless of health conditions.

### Can I still buy Medicare Supplement Plan F in Alabama?

Plan F is only available if you were eligible for Medicare before January 1, 2020. If you became eligible on or after that date, you cannot purchase Plan F. Plan G is the closest available alternative.

### How much does Medigap Plan G cost in Alabama?

Plan G in Alabama averages $191/month for 65-year-olds, but rates vary from about $133 to $237 depending on the carrier, gender, tobacco use, and zip code.

### What is the difference between Medigap and Medicare Advantage in Alabama?

Medigap supplements Original Medicare with no network restrictions but higher premiums ($99-$289/month). Medicare Advantage replaces Original Medicare with network-based plans at lower cost ($10.62 avg/month) but includes restrictions like referrals and network limits.

### Do Alabama Medigap plans cover prescription drugs?

No. Medigap plans do not include prescription drug coverage. You need a separate Medicare Part D plan for drug coverage. Average Part D premiums in Alabama are around $46.50/month.

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