Welcome, here you can learn about Alabama Medicare and Alabama Medicare supplemental insurance. Our goal is to provide the knowledge needed to purchase a Medicare supplement plan that best fulfills your needs at the least expensive price available.
|Is Medicare supplement Plan F right for you?
What is Alabama Medicare?
Alabama Medicare is merely Medicare run in the state of Alabama. Medicare is the country’s health insurance program for those age 65 or older. Some people younger than age 65 can get Medicare when they have specific disabilities. The program helps with the cost of health care, but it does not cover all medical expenses or the cost of most long-term care.
When do I need to sign up for Alabama Medicare?
If you are not already getting retirement benefits it is advisable to contact Social Security about three months prior to your 65th birthday to enroll in Medicare. It is possible to enroll in Medicare even when you do not intend to retire at age 65. Click here to go to the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers a portion of your medical bills after you have been admitted into a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not annual) deductible for Medicare Part A of $1156, $289 per day for days 61-90 hospital room and board, $578 per day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 per day for skilled nursing facility for days 21-100 and all costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical bills for doctor services, some preventive services and various medical services and supplies which are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs for the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental health care, any excess charges (some doctors charge as much as 15% above what Medicare authorizes)
Though Medicare covers a substantial part of your Medical expenses there are plenty of gaps left for you to pay. These gaps can easily deplete a person’s financial resources. A Alabama Medicare supplemental insurance policy can cover most or all of the Medicare cost and they are very reasonably priced for most people.
Alabama Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized all of these plans. Which means that all plans labelled by the same letter provide exactly the same coverage whether or not you get your insurance from New Era, Gerber, Sterling, AARP or any other insurance company. Nationwide three of the most popular plans are F, G, and N.
Alabama Medicare supplement plan F: This is the most common and comprehensive plan. It covers all the gaps left in both Medicare Part A and Part B.
Alabama Medicare supplement plan G: This plan is almost the same as Medicare supplement plan F with the exception of not paying the annual Medicare Part B deductible. For many this plan is the best option if you don’t mind paying the yearly deductible instead of the sometimes higher monthly premiums for Medicare supplement plan F.
Alabama Medicare supplement plan N: Unlike Medicare supplement plan F this plan has got some cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in return for less expensive monthly premiums. Plan N is designed as an alternative to Medicare Advantage plans, while still giving you the flexibility and stability of a Medicare supplement plan. This plan also does not cover excess charges.
There are many different insurance companies selling Alabama Medicare supplement plans and the rates can vary greatly from company to company. Many who do not utilize the services of an independent agent wind up paying over 40-50% extra for insurance! It is a shame because getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.