Orlando Harmon
As of 2024, Alabama offers its residents a choice of 93 Medicare Advantage plans, with 12 plans for those aged 65 and above. Alabama also offers 12 different Medigap plan options, which help pay for costs that Original Medicare doesn't cover. In 2024, there were 1,101,548 people enrolled in Medicare in Alabama, which is more than 21% of the state's total population. Alabama Medicare beneficiaries can also receive assistance through Medicaid with the cost of Medicare premiums, prescription drug expenses, and services not covered by Medicare.
| Characteristics | Values |
|---|---|
| Number of people enrolled in Medicare in Alabama | 1,101,548 (2024) / 1,109,480 (2025) |
| Percentage of Alabama's population enrolled in Medicare | 21% |
| Percentage of US population enrolled in Medicare | 18.5% |
| Number of Alabama Medicare beneficiaries with Part D prescription coverage | 845,000 |
| Number of Alabama Medicare beneficiaries with stand-alone Part D prescription coverage | 242,668 |
| Percentage of Alabama Medicare beneficiaries under 65 years old | 22% (2021) |
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What You'll Learn
Alabama's Medicare Advantage plans
Alabama residents can choose from a variety of Medicare Advantage plans offered by private insurance companies. These plans are a bundled alternative to traditional Medicare, providing the same benefits and often additional perks, such as dental and vision coverage. Medicare Advantage plans in Alabama typically offer more benefits than Original Medicare plans and may be more cost-effective.
In 2024, Alabama residents had access to 93 Medicare Advantage plans, depending on their county. The availability of plans and specific benefits may vary across different counties in the state. It is always advisable to review and compare multiple plans to make an informed decision based on individual needs and preferences.
The Centers for Medicare & Medicaid Services (CMS) rates Medicare Advantage plans on a scale of 1 to 5 stars, with 5 stars indicating the top-rated plans. In 2025, while there were no 5-star plans available in Alabama, several companies offered highly-rated plans with a rating of 4.5 stars. These companies included Blue Cross and Blue Shield of Alabama, UnitedHealthcare, and Viva Medicare.
Medicare Advantage plans are a popular choice in Alabama, with over 1.1 million people enrolled in Medicare as of 2024. This number represents more than 21% of the state's total population, which is slightly higher than the national average of around 18.5%.
It is worth noting that Alabama has a relatively high proportion of Medicare beneficiaries under the age of 65. In 2021, nearly 22% of Medicare beneficiaries in the state were under 65, compared to the national average of 12%. This may impact the availability and accessibility of Medicare Advantage plans for younger individuals in Alabama.
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Medicare eligibility in Alabama
Medicare is a federal health insurance program that covers most Americans aged 65 or older. In Alabama, as of June 2024, there were over 1,101,548 people enrolled in Medicare, which is more than 21% of the state's population. This is a slightly higher proportion compared to the US population, where about 18.5% are enrolled in Medicare.
Nationwide, almost 88% of Medicare beneficiaries are eligible due to their age, and 12% are eligible due to a disability. However, in Alabama, this distribution is quite different, with nearly 22% of Medicare beneficiaries under the age of 65 in 2021. This means that a significant proportion of Alabama's Medicare recipients qualify due to disability or other qualifying conditions.
Individuals under 65 with a disability automatically receive Medicare Part A and Part B after receiving disability benefits from Social Security or certain disability benefits from the federal Railroad Retirement Board for 24 months. Additionally, individuals may qualify for Medicare due to specific medical conditions like ALS (Lou Gehrig's disease) or end-stage kidney disease.
Alabama residents have several options for Medicare coverage, including Medicare Advantage plans and Medigap plans. In 2024, Alabama residents could choose from 93 Medicare Advantage plans, depending on their county. Medigap plans, which supplement original Medicare coverage, are also available in Alabama, but access is more limited for enrollees under 65. Only three insurers offer Medigap plans for those under 65 who qualify, whereas 12 plans are available for those 65 and older.
For Alabama residents seeking assistance with Medicare costs, Medicaid may provide financial support. Medicaid can help with Medicare premiums, prescription drug expenses, and services not covered by Medicare, such as long-term care. The Alabama State Health Insurance Assistance Program and the Alabama Department of Insurance are also resources that can provide guidance and information on Medicare enrollment and coverage options in the state.
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Alabama's Medicare enrollment
Alabama residents can enroll in Original Medicare (Parts A and B) or choose from a variety of Medicare Advantage (Part C) plans. Original Medicare is available across the US, while Medicare Advantage plans vary by location. In 2024, Alabama residents could choose from 93 Medicare Advantage plans, depending on their county. As of June 2024, there were 1,101,548 people enrolled in Medicare in Alabama, a number that rose to 1,109,480 in 2025. This represents over 21% of Alabama's total population, compared to around 18.5% of the US population enrolled in Medicare.
Medicare Advantage plans are offered by a number of private insurance companies. In 2024, 845,000 Alabama Medicare beneficiaries had Part D prescription coverage, most of whom received it through Medicare Advantage plans. However, 242,668 had stand-alone Part D prescription coverage.
Medicare supplement plans, or Medigap plans, can help pay for costs that Original Medicare doesn't cover. In Alabama, access to Medigap plans is limited for enrollees under 65. Only three insurers offer Medigap plans for those under 65, while 12 plans are offered to those 65 and over.
Medicare covers most people who are aged 65 or older, as well as disabled individuals under the age of 65. While nationwide, almost 88% of Medicare beneficiaries are eligible due to their age, in Alabama in 2021, nearly 22% were under the age of 65. Individuals under 65 with a disability automatically receive Parts A and B after receiving disability benefits for 24 months. Alabama Medicaid can provide financial assistance to Medicare beneficiaries with limited income and assets, as can the Alabama State Health Insurance Assistance Program.
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Alabama's Medigap plans
Alabama has a range of Medigap plans available to its residents. Medigap is a supplemental Medicare policy that does not replace Original Medicare (Part A and Part B) but complements it. Medigap plans help pay for copayments, coinsurance, and other services not covered by Original Medicare, such as routine check-ups, deductibles, and at-home recovery. It is important to note that Medigap does not include prescription drug coverage, so residents may want to consider adding a Part D plan.
In Alabama, access to Medigap plans is generally limited for enrollees under 65, and the state does not mandate insurers to offer plans to this age group. However, there are still options available for those who qualify. As of 2024, three insurers offer Medigap plans for eligible individuals under 65 in Alabama. On the other hand, residents 65 and older have more choices, with 12 plans offered by insurers.
When choosing a Medigap plan in Alabama, it is essential to consider your specific needs and budget. Plans vary in terms of coverage, restrictions, and benefits, so it is worth comparing plans and quotes from multiple companies. Some of the top providers of Medicare Supplement plans in Alabama include Humana, which offers savings of up to 24% on Plan G, the state's most popular policy. Other recommended companies include Aetna and Physicians Mutual, which also offer competitive rates on Plan G.
To ensure you are getting the best deal, it is advisable to compare plans and rates from different insurers. Additionally, consulting with a healthcare professional and a Medigap/Medicare Supplement expert can provide valuable guidance in selecting the right plan for your age, health conditions, and lifestyle. Alabama residents can also seek assistance from the Alabama State Health Insurance Assistance Program and the Alabama Department of Insurance for help with understanding and choosing Medigap plans.
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Alabama Medicaid financial assistance
Alabama has some of the strictest eligibility rules for Medicaid in the country. The state has not expanded Medicaid under the Affordable Care Act (ACA), so childless adults in Alabama are not eligible for Medicaid. However, the state's Medicaid program does cover the following populations:
- Children up to 141-146% of the federal poverty level (FPL); children up to 312-317% of FPL qualify for the Children's Health Insurance Program (CHIP)
- Pregnant women up to 141-146% of FPL (coverage for the mother now continues for 12 months after the baby is born)
- Parents up to 13% of FPL
- Elderly and disabled individuals with certain medical conditions, income levels, and asset limits
Alabama Medicaid can provide financial assistance to Medicare beneficiaries with limited incomes and assets. This financial assistance can help lower Medicare premiums, prescription drug costs, and pay for expenses not covered by Medicare, including long-term care. There are several options for submitting a Medicaid application in Alabama. Non-disabled adults under 65 can apply online through Healthcare.gov, and seniors and people with disabilities can also use this application pathway. Individuals can also submit paper applications by mail, fax, or in person to a district office, or call the toll-free number 1-800-362-1504 for assistance.
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Frequently asked questions
845,000 Alabama residents had Medicare Part D prescription coverage, while 242,668 had standalone Part D prescription coverage. In total, there were 1,101,548 people enrolled in Medicare in Alabama in June 2024.
As of June 2024, more than 21% of Alabama's population was enrolled in Medicare.
While Medicare covers most people aged 65 or older, it also covers disabled individuals under the age of 65. In 2021, nearly 22% of Alabama Medicare beneficiaries were under 65.
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