Medicare Supplement in Alabama
Everything you need to know about Medicare Supplement insurance in Alabama, including local regulations, popular carriers, and state-specific enrollment options.
Quick Facts for Alabama
Average Plan G
$165
per month
Average Plan N
$135
per month
Popular Carriers
5
major options
Averages for 65-year-old non-smoker, rates vary by carrier and rating method
Alabama Medicare Supplement Regulations
Alabama does not have state-specific Medicare Supplement regulations beyond federal requirements
No community rating requirements - carriers can use attained age or issue age rating
Pre-existing condition waiting periods apply according to federal law
No additional state guaranteed issue periods beyond federal requirements
Enrollment Periods in Alabama
Open Enrollment
Standard Medicare Open Enrollment Period applies (7 months around 65th birthday)
Guaranteed Issue
Alabama follows federal guidelines for guaranteed issue rights
Birthday Rule
No birthday rule - standard federal protections apply
Popular Carriers in Alabama
AARP/UnitedHealthcare
NAIC: 79413
35%
market share
Humana
NAIC: 69671
25%
market share
Mutual of Omaha
NAIC: 71412
15%
market share
Cigna
NAIC: 67369
12%
market share
Aflac
NAIC: 60380
8%
market share
Alabama Department of Insurance
201 Monroe Street, Suite 1700, Montgomery, AL 36104