Prescription drug coverage is another area that can be very confusing.  There are 24 different prescription drug plans offered in Alabama.  If you think all prescription drug plans are alike you are in for a big surprise.  It's very important to choose a plan that is a good match for the medications you are taking.  If you pick a plan because it has a low premium, or because your spouse or a friend recommended the plan, you maybe very disappointed on how that plan covers your medications.     I recommend you go to and use their website to find the plan that will offer you the best coverage and lowest co-pays based on the medications you are taking.  Choosing the wrong drug plan can significantly increase your out-of-pocket cost for your medications.

Do you enroll in a Medicare Supplement or a Medicare Advantage Plan?  Medicare Supplements let you go to any doctor or hospital of your choice that accept Medicare patients while Advantage Plans have either an HMO or PPO network and want you to go to the doctors and hospitals that are in their network.  Some Advantage Plans require you to get a referral to see a specialist while Medicare Supplements don't require referrals.  If you get treatment at a doctor or hospital that is out of network and it's not an emergency you could end up paying the full cost for the visit.  Medicare Supplements keep your out-of-pocket cost low for doctor and hospital services while Advantage Plans can have high out-of-pocket cost, as much as $6,700 for Medicare-approved services in a calendar year.     

Steve Adlman

Licensed Insurance Agent

Birmingham, Alabama

Office (205) 616-9787

Toll Free 855-260-2825

Need Help

Alabama Medicare Plans 

I can see why most people are confused about Medicare and the choices they need to make.  The choices you make concerning a Medicare Health Plan and Prescription Drug Plan are very important.  My goal when working with you is to provide you with all the information you need to make an informed decision on which Medicare Health Plan is best for you.  I would welcome the opportunity to work with you to take the confusion out of selecting a Medicare Supplement and Prescription Drug Plan.  Call or email me with any questions you have about Medicare and get free quotes and expert advice at no cost or obligation.

Call Us:  205-616-9787

Confused By Your Choices

Confused With Medicare

24 Reasons To Be Confused

If you are going on Medicare soon I'm sure you have been overwhelmed with information about Medicare Health Plans.  Understanding Medicare is not an easy task.  Should you go with a Medicare Advantage Plan or a Medicare Supplement?  What about prescription drug coverage?  Is Plan F the best Medigap plan, should you consider Plan G or Plan N?  There are plans that have networks that limit the doctors and hospitals you can see and there are plans that let you go to any doctor or hospital of your choice that accept Medicare patients.  Choosing the wrong Medicare Health Plan could end up costing you thousands of dollars for Medicare-covered services and may limit your ability to see the doctors and hospitals you prefer to go to.