Shopper's Guide for Health Insurance for Senior Citizens

Medicare Supplement Insurance and Long Term Care Insurance Information for Alabama's Senior Citizens

Jim L. Ridling, Commissioner
Alabama Department of Insurance
201 Monroe Street, Suite 502
P O Box 303351
Montgomery, AL 36130-3351
(334) 241-4141 OR (334) 269-3550

Neal Morrison, Commissioner
Alabama Department of Senior Services
770 Washington Avenue, Suite 570
Montgomery, AL 36130-1851
(334) 242-5743
ageline@adss.alabama.gov

We all want the best health care available. We normally search for the best insurance policy that we can afford. For most senior citizens, Medicare covers most basic health care needs. But unfortunately, it does have "gaps." Many need something more to protect them from expensive medical costs.

This is where Medicare Supplemental insurance, commonly known as MEDIGAP, comes into play. Insurance policies to supplement Medicare can sometimes be both costly and unnecessary. Purchasing multiple policies can also result in overlapping benefits and duplicate coverage.

This guide is designed to provide you with a listing of insurance companies that have been licensed to sell Medicare Supplement, Medicare Advantage, Medicare Select, Medicare Savings and Long Term Care policies in the state of Alabama. Shop carefully for insurance by comparing several companies’ prices and service. The check lists for Medicare Supplement and Long Term Care can help you when you are shopping for insurance.

If you need further help, call Alabama's State Health Insurance Assistance Program (SHIP) and speak with an insurance counselor. Help is a free telephone call away!!! (800) 243-5463

Medicare Supplement Information

• Medicare Supplement Companies
• Age 65 Premium Rates
• Age 70 Premium Rates
• Age 80 Premium Rates
• Do's and Don'ts for Purchasing Medicare Supplement Insurance
• Standard Medigap Plans
• Medigap Plans
• Medicare Supplement Policy Check List

Medicare Disability Supplement Information

• Medicare Disability Supplement Information
• Medicare Disability Supplement Companies
• Medicare Disability Premium Rates

Medicare Advantage Information

• Medicare Advantage Information
• Medicare Advantage Companies

Medicare Select Information

• Medicare Select Information
• Medicare Select Companies
• Medicare Select Premium Rates

Medicare Prescription Drug Coverage

• Medicare Prescription Drug Coverage Plans

Medicare Savings Program Information

• Medicare Savings Program

Long-Term Care Information

• Long-Term Care Companies
• Do's and Don'ts for Purchasing Long-Term Care Insurance
• Long-Term Care Policy Check List
• Long-Term Care Partnership Program
• Insert NAIC Shoppers Guide to Long Term Care Insurance

How to Handle Insurance Problems and Complaints/Inquiries
Consumer Complaint Form
Where To Go for Help

Printing and distribution of this GUIDE are made possible by a grant from the Center for Medicare and Medicaid Services in cooperation with the Administration on Aging, the Alabama Department of Insurance and the Department of Senior Services.