​​Birmingham, AL

Confused With Medicare

  • No network of doctors and hospitals
  • No referral necessary to see a specialist
  • Low out of pocket cost for doctor

     and hospital services

  • Guaranteed renewable coverage
  • Benefits never change

​Need Help


  • Network of doctors and hospitals
  • Referral to see specialist with some plans
  • Out of pocket cost in a calendar year could be as much as $6,700 
  • Non-guaranteed renewable coverage
  • Plan premiums, benefits, co-payments and networks can change each year

Steve Adlman

Medicare Made Clear

Birmingham, Alabama

Bus (205) 616-9787

​Medicare Supplement Vs. Medicare Advantage

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.

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.

         Medicare Advantage

​Prescription Drug Coverage

​​​Medicare Supplement

Call Us:  205-616-9787


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 medicare.gov 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.

Alabama Medicare Plans


Birmingham, AL