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HomeMedicare SupplementAlabamaMedigap in Alabama for 2027: 22 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Alabama for 2027: 22 Insurers and the Plans They Sell

BIRMINGHAM, Ala. — For Alabamians who stick with Original Medicare, a Medicare Supplement policy — commonly called Medigap — is the add-on that helps pay the deductibles, copays and coinsurance Parts A and B leave behind. Heading into 2027, Medicare.gov's Medigap policy search for ZIP code 35203 lists 22 insurers offering coverage, with plan letters ranging from A through N.

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Key takeaways

  • Medicare.gov's Medigap policy search for ZIP code 35203 lists 22 insurers, and together they sell plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • The six-month Medigap Open Enrollment Period begins the month your Part B coverage starts and is the window when insurers in Alabama cannot use medical underwriting.
  • Ten Medicare Advantage plans offered in Alabama in 2026 will not be offered anywhere in the state in 2027, giving affected members a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not include prescription drug coverage, so pair it with a stand-alone Part D plan during Annual Enrollment 2027 (October 15 – December 7, 2026).
Medicare SupplementAlabama
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Alabama
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how does it differ from Medicare Advantage in Alabama?

Medigap is private insurance that works alongside Original Medicare (Parts A and B), paying some of the out-of-pocket costs Medicare leaves to the patient. Medicare Advantage (Part C), by contrast, replaces the way you get Original Medicare and bundles hospital, medical and often drug coverage through a private plan with its own network and rules.

You cannot be enrolled in both a Medicare Advantage plan and a Medigap policy at the same time. Medigap plans are standardized by the federal government: a Plan G from one insurer offers the same federally defined benefits as a Plan G from another. Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020.

Which Medigap insurers are listed in Alabama for 2027 and what plan letters do they sell?

Medicare.gov's Medigap policy search for ZIP code 35203 lists 22 insurers for Alabama. What any one person is offered can differ by ZIP code and by age, sex and tobacco use.

Across the 22 insurers, the plan letters sold by at least one are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.

What is the six-month Medigap Open Enrollment Period in Alabama and why does it matter?

The Medigap Open Enrollment Period is a one-time, six-month window that begins the first month you are 65 or older and enrolled in Medicare Part B. During it, any insurer that sells Medigap in Alabama must sell you any policy it offers at the same price it charges a healthy applicant, regardless of your health history.

Outside that window, insurers in Alabama can generally use medical underwriting, which means they can ask about health conditions and may charge more or decline coverage, except in situations where federal law grants a guaranteed-issue right.

What happens if my Medicare Advantage plan in Alabama is not returning in 2027?

Ten Medicare Advantage plans offered in Alabama in 2026 will not be offered anywhere in the state in 2027, according to CMS Landscape files. Members of a plan that is not returning get a federal guaranteed-issue right to buy certain Medigap plans without medical underwriting.

Your plan is required to send a non-renewal notice explaining your options. Guaranteed-issue rights are time-limited, so note the dates in that notice. Details on which specific Medigap plan letters you can buy under a guaranteed-issue right are posted at Medicare.gov.

Does Medigap in Alabama cover prescription drugs?

No. Medigap policies sold today do not cover outpatient prescription drugs, so Alabamians with a Medigap policy typically pair it with a stand-alone Medicare Part D drug plan.

Part D is where the big 2027 changes land: the out-of-pocket cap for covered drugs is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the base beneficiary premium used in the late-enrollment penalty calculation is $41.33. You can enroll in or change a Part D plan during Annual Enrollment 2027, which runs October 15 – December 7, 2026, with coverage effective January 1, 2027.

How should I compare Medigap policies in Alabama?

Start by comparing the same plan letter across insurers, because the federally standardized benefits inside a letter are identical from company to company. Price, customer service, how the insurer handles rate increases over time and whether it offers household or other eligibility discounts are where companies differ.

Pricing details, including whether a policy is issue-age, attained-age or community rated, come from the insurer's own documents or from the Medigap policy search on Medicare.gov. For Part D, use the Medicare Plan Finder at Medicare.gov to compare drug plans against your own medication list and pharmacy.

Where can Alabamians get free help with Medicare in 2027?

Medicare.gov hosts the official Medigap policy search and the Plan Finder for Part D, both free to use. The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which affects the Social Security checks many people use to pay Medicare premiums.

You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Can I switch from Medicare Advantage to Medigap in Alabama during Annual Enrollment 2027?
You can drop Medicare Advantage and return to Original Medicare during Annual Enrollment 2027 (October 15 – December 7, 2026), with the change effective January 1, 2027. Buying a Medigap policy at that point is a separate step, and outside a guaranteed-issue situation, insurers in Alabama can generally use medical underwriting. If your Medicare Advantage plan is one of the 10 not returning in 2027, you may qualify for a guaranteed-issue right to buy certain Medigap plans.
Are Plans C and F still available to new Alabamians on Medicare?
Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020. People who were eligible before that date may still be able to buy them from insurers that sell them, including several listed for ZIP code 35203.
Does Medigap in Alabama cover my Part D drug costs?
No. Medigap policies sold today do not include prescription drug coverage. You would enroll separately in a stand-alone Medicare Part D plan, which in 2027 has a $2,400 out-of-pocket cap on covered drugs and a maximum deductible of $700.
Where can I see every Medigap option for my exact ZIP code in Alabama?
The Medigap policy search at Medicare.gov lets you enter your ZIP code and see the insurers and plan letters offered to you, which can differ by ZIP code and by age, sex and tobacco use. You can also call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, seven days a week.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the standardized plan letters and the six-month Medigap Open Enrollment Period.
  • Medicare.gov Medigap policy search: the 22 insurers listed for ZIP code 35203 and the plan letters each sells.
  • CMS Landscape Source File: the count of 10 Medicare Advantage plans offered in Alabama in 2026 and not offered anywhere in the state in 2027.
  • CMS — Part D program parameters for 2027: the $2,400 out-of-pocket cap, the $700 maximum deductible and the $41.33 base beneficiary premium.
  • Medicare.gov — Medicare enrollment periods: the Annual Enrollment dates of October 15 – December 7, 2026, effective January 1, 2027.
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent COLA for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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