Medigap in Medicare Supplement Plans in Alabama 2025 — What it covers and how to enroll
Medicare Supplement (Medigap) plans in Medicare Supplement Plans in Alabama 2025 help pay the out‑of‑pocket costs Original Medicare doesn’t cover — like deductibles, coinsurance, and certain copayments. Plans are standardized by letter (A–N), but availability and pricing vary by state and ZIP. Use the quick checker below to view plans and estimated rates for your area.
Get a More Accurate Price
Medicare Supplement Insurance (Medigap) helps Alabama seniors and eligible disabled residents pay for certain Medicare costs such as deductibles, copayments, and coinsurance. In Alabama, residents may choose from up to 10 standardized Medigap plans — Plans A, B, C, D, F, G, K, L, M, and N.
Important: Plan F and Plan C are not available to anyone who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Alabama
| Popularity Ranking | Plan | Total Enrolled |
|---|---|---|
| 1 | B | 79,760 |
| 2 | F | 60,577 |
| 3 | G | 40,266 |
How Medigap Pricing Works
Medigap pricing methods determine how your premiums may change over time. Alabama insurers generally use one of three approaches:
- Attained-age rated – Premiums increase as you age. This is the most common method in Alabama, according to the Kaiser Family Foundation (KFF).
- Issue-age rated – Premiums are based on your age at the time you buy the policy. Rates may rise due to inflation, but not because of aging.
- Community rated – Everyone pays the same premium, regardless of age.
Eligibility Under Age 65
While Medicare Supplement Insurance primarily serves seniors, it is also available in some states to disabled individuals and those with end-stage renal disease (ESRD). In Alabama, the rules for offering Medigap to residents under age 65 are determined by the state insurance department.
To compare rates and find the right coverage for your situation, visit our Medigap rate comparison page.