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What Is The Best Health Insurance In Alabama

Best For Frames Benefits: Davis Vision

Short Term Health Insurance Alabama | Call (938) 222-9899

Davis Vision is an insurance provider that understands the importance of glasses. This is a company that understands that if youre wearing glasses, you want to feel good in them.

All Davis Vision plans feature options for fully-covered eyewear. Davis Vision members also get access to an exclusive collection of frames, allowing you to buy fashionable and on-trend frames at discount prices.

With Davis Vision, youll also receive coverage for the latest lenses, including those with blue light blocking technology and those that can adapt to changing light conditions.

Best Health Insurance In Alabama Including Blue Cross Blue Shield Humana & Aetna

Our licensed agents are adept at providing insurance needs across various areas such ashealth, life, and dental insurance. There are so many carriers that we work with across the 41states, so you can be rest assured that you can get affordable health, life, dental, indemnity,short-term plans, and so on. Well work hard finding the best plan do you dont have to!

What If You Qualify For Medicare

If you are over the age of 65, you are eligible for Medicare coverage. Most people get premium-free Medicare Part A. This version doesnt have a premium as long as you or your spouse worked and paid Medicare taxes for a set period.

If you dont qualify for premium-free Medicare Part A, you may want to buy into it. To do so, youll have to pay up to $471 per month.17

In Alabama, around 568,000 people are enrolled in Original Medicare, while about 473,000 are enrolled in Medicare Advantage Plans.18About 290,000 state residents are enrolled in Medicare Part D stand-alone prescription drug coverage.19

While Medicare is usually for people aged 65 or older, you may qualify for coverage under certain circumstances. If youre entitled to Social Security benefits for at least 24 months, receive a disability pension from the Railroad Retirement Board, have Lou Gehrigs disease, or have permanent kidney failure, you may qualify for Medicare. Generally, if you paid Medicare taxes for 10 years while working, you can qualify for Medicare Part A and not have to pay a monthly premium.

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Best For Umbrella Coverage: Humana


Health insurance policies don’t usually cover such expenses as eyeglasses and contacts or dental exams, crowns, and appliances. Humana, a broad-based health and well-being company, sells private policies in all these areas, and the company has a range of plans for people living with chronic conditions that include transitions from a hospital stay to home care and meal delivery. Humana is also among the companies that offer special needs policies for people with a severe or disabling chronic condition or living in a long-term care facility. As of 2018, Humana no longer offers individual medical plans but focuses on healthcare solutions for employers, as well as offering Medicare plans.

Four private Humana plans and three Humana Medicare Advantage plans were highly rated by NCQA. Humana led the pack for customer satisfaction among health insurers in 2020, according to data from the ACSI survey. Humana’s policies for HMOs are relatively affordable.

Alabama Average Cost Of Vision Insurance

Health Insurance Companies in Alabama

Before you purchase vision insurance, its important to understand the costs associated with vision care over the course of a year. Take a look at the table below for an example of some of the average costs, as well as estimated total yearly costs with and without vision insurance.

The average cost of an eye exam in Alabama $146.81
The out-of-pocket cost of vision care with vision insurance $271

There are also some terms you should be familiar with when reviewing the cost of vision insurance plans, including:

Premium. Your insurance premium is the amount you will pay per month for your insurance policy. It may also be referred to as the cost of your plan. This will likely be the first number you see when you review your plan options.

Deductible. Next, take a look at the plans deductible. Your deductible is the amount of money youll need to pay toward your covered services before your insurance company will start to pay for them. The amount you pay for your premium does not count toward your deductible.

Copayments. After youve met the deductible, your insurance plan may require copayments. This is a set amount of money that youll need to pay for covered services and your insurance company will pay the remaining amount. Copayments may also be referred to as your copay.

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Health Insurance Plan Type

Paying more in monthly premiums gets you a higher level of coverage. Marketplace plans come in metal tiers: bronze, silver, gold, and platinum.

So, how much should you expect to pay in Alabama every month? These are the average monthly costs for each plan type for a middle-aged AL resident in 2020:

2019 Alabama Martketplace Plan Rates

Kaiser Family Foundation, Change in Average Marketplace Premiums by Metal Tier

In AL, youll be paying about 23 percent more for a gold plan than a silver plan. Thats because gold plans cover 80 percent of medical services, while bronze plans cover 60 percent.

You may also be eligible for a catastrophic plan if youre under 30 or have other exemptions. Catastrophic plans have low monthly premiums but a high yearly deductible of $8,150. Even with a higher monthly premium, you may save money with a bronze or silver plan if you need to use your insurance. A catastrophic plan helps you avoid bankruptcy from medical bills, but it wont cover your day-to-day care.

Nationwide Pet Insurance Review

Nationwide offers a higher-priced insurance with a reputation for extraordinarily comprehensive coverage. That said, its not the most flexible option you pay a single deductible annually and reimbursements are less customizable than those offered by other providers.

Nationwide Pet Insurance offers three different plans: Whole Pet with Wellness, Major Medical, and Pet Wellness.

Whole Pet with Wellness is an extraordinarily comprehensive plan that covers accidents and illnesses, hereditary conditions, chronic conditions, and wellness examinations and treatment. It comes with no benefit limits. Additionally, it reimburses 90% of all medical costs.

For a comprehensive illness and accident plan that doesnt include wellness coverage, Major Medical is lower-priced and covers all major medical costs.

Their wellness plan covers all routine medical costs, like flea treatment and vaccinations.

While all of Nationwides plans are not limited by annual benefit caps, all but Whole Pet with Wellness are on a benefit schedule, so the benefits are limited for each condition and service. The deductible is an annual payment of $100-$500.


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Alabama Insurance Guide And Resources

Here youll learn about the different types of health insurance coverage options the state of Alabama provides.

Types of Health Insurance Provided

The state provides the following three types of health insurance to residents:

  • Employer-Provided for You and Your Family

You can get this insurance from your employer or through your partners employer

  • Private Health Insurance for Individuals and Families

You can get their insurance through HealthCare.gov or straight from a health insurance company.

  • Government-Assisted

You can get Medicare and the Affordable Care Act or Obamacare in Alabama.

Medicare is for people aged 65 and older. When opting for this low-income health insurance, Alabama residents should know about Medicares components: Medicare Part A, B, C, and D with Medicare supplement plans available.

  • Under Qualified Medicare Beneficiary , you may qualify for Medicare if youre a single person making less than $1,084 each month, or youre a couple making less than $1,457 each month.
  • Under the Specified Low Income Medicare Beneficiary , you may qualify for Medicare if youre a single person making less than $1,296 each month or youre a couple making less than $1,744 each month.
  • Under the Qualified Individual , you may qualify for Medicare if youre a single person making less than $1,456 each month or youre a couple making less than $1,960.

Medicare Benefits for Each Part

It also allows children to remain on their parents health insurance until the age of 26.

How To Determine The Best Health Insurance Plan

Compare Affordable Alabama Health Insurance Plans And Enroll

Buying health insurance can be an arduous and confusing process, especially when there are so many options and costs to consider.

There are a few questions to ask yourself if you want to make the search a bit easier. They include:

Depending on whether you are choosing an employer-based plan or shopping on the Marketplace, you may also want to compare PPO vs. HMO options. You should also consider whether you need a plan that also provides dental and/or vision coverage.

Read Also: How To Enroll In Cigna Health Insurance

Average Cost Of Health Insurance By Family Size In Alabama

Beyond the metal tier and the ages of your family members, your family’s size will also affect the monthly rates for your health insurance policy. In Alabama, the average cost of health insurance for a family of three, assuming two 40-year-old parents and a child, is $1,417.

For each additional child, the average cost of a Silver health plan increases by $282. A family of four, assuming it has two 40-year-old adults and two children, would cost an average of $1,699 per month to insure. The monthly rate for children under the age of 15 will remain flat, but once a child turns 15 years old, the monthly health plan premium will increase as they get older.

Individual + child
Family of five $1,981

Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Alabama.

The Affordable Care Act

You can get coverage for you and your family through the federal Health Insurance Marketplace.

There are multiple tiers of coverage, ranging from Bronze to Platinum. Bronze plans have the cheapest premiums but pay the lowest percentage of covered care . By contrast, platinum plans have the highest monthly premiums but pay the highest percentage of covered care .

An ACA plan may make sense if your employer doesnt offer insurance or if you have a pre-existing condition. Under the ACA, participating insurers cant deny you based on your health history.

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When Are Alabama Short

Here are some reasons why short-term health insurance may not work for you:5

  • You have preexisting conditions or current health problems:Short-term medical insurance plans dont count as minimum essential coverage. That means the ACA rules dont apply to them. If you have a chronic condition , Alabama short-term insurance companies can reject your application. If you do get a policy, some companies may deny any claim related to a condition you had from six months to five years before your policy issue date. You can also face higher monthly premiums if youre considered to be a risky applicant because of your health.
  • You want comprehensive coverage: While most short-term medical plans cover visits to doctors and specialists, lab tests, and emergency care, they dont have to include all 10 essential health benefits in ACA plans. This includes mental health services, maternity care, prescription drugs, and rehabilitation services.
  • You need help buying health insurance:About 94% of low-income Alabama residents who bought an ACA Marketplace plan in 2019 received subsidies to lower their monthly premium.6 But you wont get government assistance to buy Alabama short-term insurance. The ACA only offers subsidies on minimum essential coverage sold through the Marketplace.

If youre looking at Alabama short-term health insurance, make sure its the right choice for you. You need to know youve got the right coverage at the right price before you sign up.

Best For Value: Humana

Low Cost Health Insurance Plan,Al Qusais,Dubai

Humanas vision insurance plans are easy to understand and packed with value. You can get a vision plan from Humana with no deductible and no waiting period, so youll be able to start getting the financial benefits of your plan as soon as you need a covered service.

Humana plans cover annual eye exams with copays as low as $15 for its members. If you need corrective eyewear, youll be happy to know that it also offers 100% coverage for eyeglass lenses and contact lenses if they are medically necessary.

For eyeglass lenses, you may need to make a small copay between $15 and $65. Humanas plan also offers an allowance for eyeglass frames every 12 to 24 months.

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Best For Wellness Care: Molina Healthcare

Molina Healthcare

Moodys Investors Service recently upgraded its credit ratings, and the wellness and preventive care services are excellent.

  • Limited coverage territory

Molina Healthcare serves 17 states, but only offers private health insurance to residents in California, Florida, Michigan, Mississippi, New Mexico, Ohio, South Carolina, Texas, Utah, Washington, and Wisconsin. It insures more than 4.6 million members across the United States. Coverage options, plan choices, and benefits vary by state. Many of its health plans come with low co-pays and cover essential medical care such as prenatal, emergency services, hospital care, vaccinations, lab tests/x-rays, prescription drugs, doctors visits, and vision insurance.

Molina has some excellent perks, wellness care, and preventive health care services for its health insurance members including adult immunizations, adult preventive services, child and adolescent immunizations, pediatric preventive health care, prenatal and postnatal care.

What Is The Average Cost Of Health Insurance In Alabama

The average cost of health insurance in the state is $553 for a person who is 40 years old in 2020. From 2019, this is a $7 increase. The average cost of health insurance by family size in Alabama, assuming the family includes two 40-year-old adults with two children, would be $1,595 each month to insure.

The monthly rate for kids below the age of 15 wont increase until they turn 15, which means the premiums will rise.

The average health insurance quotes in Alabama by metal tier in 2020 are as follows:

  • Average Low-Cost Bronze Plan Premium $384
  • Average Low-Cost Silver Plan Premium $521
  • Average Low-Cost Gold Plan Premium $641

For the best health insurance, Alabama residents can choose from the two best insurance companies, the Blue Cross Blue Shield of Alabama and the Bright Health Insurance Company.

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When Is Vision Insurance Worth It

Purchasing a vision insurance plan does add an extra expense to your monthly bills. So is it worth it? Here are a few things to consider when youre trying to answer this question:

  • Do you have a family history of health problems that may affect eye health or vision?
  • Do you currently have vision issues?
  • How often do you purchase new glasses and/or contact lenses?
  • How much does the vision insurance plan cost and what benefits does it offer?

Believe it or not, regular eye exams can be a crucial component of taking care of your overall health. Even if you dont experience vision issues and dont use corrective eyewear, its a good idea to make an annual visit with your eye doctor, just as you would with your primary physician.

During your annual eye exams, your eye doctor is given the opportunity to detect signs of serious health conditions in their early stages. Some of the conditions that could be detected are:

  • Diabetes
  • Multiple sclerosis
  • Risks of other serious conditions, including heart disease or stroke

If youre eligible for Medicare, youll also want to consider the vision care options associated with Medicare. Original Medicare does not offer coverage for eye exams, eyeglasses or contact lenses.

To determine whether the benefits are worth the cost of vision insurance, consider your personal factors. Vision insurance may be worth it, especially if you visit the eye doctor frequently or purchase glasses or contacts regularly.

Aetna Life Insurance Company

Affordable Health Insurance Alabama | Call (938) 222-9899

Highly-rated by the National Center for Quality Assurance, this PPO plan achieved top marks from its customers for its ability to get care easily and quickly. Customers were able to find a specialist in the network that was also rated well, and care is also consistently coordinated.

The company also received good ratings for preventive treatments like vaccines for adults and children, as well as maternity and newborn care. Overall, the company is a solid choice for if you need cheap health insurance in Alabama for an individual or family.

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Best Health Insurance Plan By City In Alabama

After examining all the counties, cheap health insurance that all Alabama residents have access to is offered by the Blue Cross and Blue Shield Alabama. Out of all the plans offered, the Silver Plan is the cheapest Alabama state health insurance.

This plan is the cheapest in terms of coinsurance costs, monthly premiums, and benefits. The table below displays monthly premiums for the BCBSAL based on the number of people it covers for their Silver Plan.


Best For Plan Options: Eyemed

EyeMed offers affordable vision insurance and a number of options to choose from. The starting plan from EyeMed called EyeMed Healthy covers an annual eye exam and offers the additional benefit of discounts on glasses and contacts.

Since this plan starts at $5 per month, its a great option if youre looking for basic coverage at a low cost. EyeMed also offers more expensive plans that offer additional coverage, including an allowance for glasses and contact lenses.

Since the price of glasses and contacts can certainly add up throughout the year, these plans could help you save significantly.

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Care Improvement Plus South Central Insurance Company

Care Improvement is another health insurance company that provides a Medicare Advantage plan. A subsidiary of UnitedHealthcare, Care Improvement offers much of the same benefits in terms of insurance coverage.

However, instead of being an HMO like UnitedHealthcare, Care Improvement Plus is a POS health insurance plan which allows you greater freedom to choose your own doctor and hospital without the need for a referral.

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