Medicare Supplement Plans in Birmingham, Alabama
Compare Medigap plans for Birmingham residents in Jefferson and Shelby counties with an agent licensed in Alabama. Free quotes for your ZIP code, with no obligation.
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Medicare Supplement Planning in Birmingham
Birmingham is Alabama’s largest metro area, and it is where most of my Alabama calls come from: Birmingham itself, Hoover, Vestavia Hills, Homewood, Mountain Brook, Bessemer, and the Shelby County suburbs of Pelham, Alabaster and Chelsea.
One thing sets this area apart. In the Medicare.gov policy search, several companies charge a little more for ZIP codes that start with 350, 351 and 352, which covers most of the Birmingham area. The difference is about $13 a month at age 65 for Plan G, small next to the gap between the cheapest and most expensive companies.
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What Medicare Supplement Plans Cost in Birmingham
These are the median monthly rates listed in the Medicare.gov Medigap policy search for ZIP code 35203, for a non-tobacco applicant age 65, with the lowest and highest company rates beneath each one.
| Plan | Women, 65 | Men, 65 |
|---|---|---|
| Plan G | $189 $149 to $565 | $216 $154 to $638 |
| Plan N | $135 $112 to $382 | $151 $126 to $431 |
| High-Deductible Plan G | $58 $38 to $88 | $65 $42 to $99 |
Rates rise with age. At 75, the median Plan G rate for a woman is $243 a month. The bigger difference is between companies: for the same Plan G benefits at 65, rates run from $149 to $565 a month.
Source: Medicare.gov Medigap policy search, searched November 10, 2026, using each company’s standard rate. Household discounts and policy fees are not included, and your quote can differ.
Why Birmingham Residents Choose Medigap Coverage
The Birmingham area has more hospital choices than anywhere else in the state, including UAB Hospital, which treats patients referred from all over Alabama. A Medigap plan works at every hospital and doctor that accepts Medicare, so you can use UAB specialists, a community hospital closer to home or a doctor out of state without a network or referrals.
After the $283 Part B deductible, Plan G pays the rest of the Medicare-approved bill, including the $1,736 hospital deductible. Plan N costs less each month and adds small copays for some office and emergency room visits.
Hospitals and Care Near Birmingham
Medicare-certified acute care hospitals in the area include:
- UAB Hospital (University of Alabama Hospital), Birmingham
- St. Vincent's Birmingham, Birmingham
- St. Vincent's East, Birmingham
- Grandview Medical Center, Birmingham
- Baptist Health Brookwood Hospital, Birmingham
- Princeton Baptist Medical Center, Birmingham
- Medical West, Bessemer
- Shelby Baptist Medical Center, Alabaster
Veterans can also use the Birmingham VA Medical Center. Medicare’s Care Compare lists 34 Medicare-certified nursing homes and 9 hospice agencies in Jefferson County (October 2026 data).
About Birmingham: Medicare Snapshot for Seniors
Jefferson County is home to the city of Birmingham and its older suburbs, while fast-growing Shelby County to the south has drawn many retirees to Hoover, Pelham, Helena and the communities around Oak Mountain State Park.
CMS counts 139,143 people with Medicare in Jefferson County as of July 2026. Of those, 46,125 (33.1%) are in Original Medicare, where a Medigap plan can be added, compared with 38.5% statewide, and 93,018 are in Medicare Advantage or other health plans. About 33,500 are 65 to 69, the ages when most people buy their first Medigap plan.
Free, unbiased Medicare counseling is available from Alabama’s State Health Insurance Assistance Program through the United Way Area Agency on Aging of Jefferson County (Shelby County residents are served by the Middle Alabama Area Agency on Aging). Call 1-800-243-5463 to reach your local office.
Common Medicare Questions from Birmingham Residents
“Why are Medigap rates higher in Birmingham than in the rest of Alabama?”
Some companies set a higher rate area for ZIP codes starting with 350, 351 and 352. In the Medicare.gov policy search, the median Plan G rate for a 65-year-old woman is $189 a month in the Birmingham area and $176 in the rest of the state. Plan benefits are identical everywhere, so comparing companies matters more than where you live.
“Can I use my Medigap plan at UAB?”
Yes. A Medigap plan works with any hospital or doctor in the United States that accepts Medicare, including UAB Hospital and its specialists. There are no networks and no referrals.
More answers: enrollment timing, Plan G vs Plan N, travel coverage and more
Medicare Supplement Help in Other Alabama Areas
- Medicare Supplement plans in Huntsville
- Medicare Supplement plans in Mobile
- Medicare Supplement plans in Montgomery
- Medicare Supplement plans in Tuscaloosa
For statewide rates, enrollment steps and Alabama rules, see our Alabama Medicare Supplement guide.
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MedicareSupplementsOnly.com is owned and operated by Charles “Chuck” Lunsford, a Life & Health insurance agent licensed in Florida (License A169316, active since 1994) and in Alabama as a nonresident agent. National Producer Number (NPN): 553216.
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Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216