Medicare Supplement Plans in Tuscaloosa, Alabama
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Medicare Supplement Planning in Tuscaloosa
Tuscaloosa and Northport sit on either side of the Black Warrior River, and the area serves as the medical and shopping center for much of West Alabama. Many people I talk with here retired from the University of Alabama, the school system or the Mercedes-Benz plant in nearby Vance.
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What Medicare Supplement Plans Cost in Tuscaloosa
These are the median monthly rates listed in the Medicare.gov Medigap policy search for ZIP code 35401, for a non-tobacco applicant age 65, with the lowest and highest company rates beneath each one.
| Plan | Women, 65 | Men, 65 |
|---|---|---|
| Plan G | $176 $137 to $531 | $199 $154 to $599 |
| Plan N | $123 $102 to $360 | $132 $118 to $406 |
| High-Deductible Plan G | $53 $34 to $77 | $59 $37 to $86 |
Rates rise with age. At 75, the median Plan G rate for a woman is $223 a month. The bigger difference is between companies: for the same Plan G benefits at 65, rates run from $137 to $531 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 Tuscaloosa Residents Choose Medigap Coverage
DCH Regional Medical Center in Tuscaloosa is the main hospital for West Alabama, and many residents also travel to UAB in Birmingham, about an hour away, for specialty care. A Medigap plan works at both, and at any other doctor or hospital in the country that accepts Medicare, with no networks 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 Tuscaloosa
Medicare-certified acute care hospitals in the area include:
- DCH Regional Medical Center, Tuscaloosa
Veterans can also use the Tuscaloosa VA Medical Center, and the Mary S. Harper Geriatric Psychiatry Center provides specialized care for older adults. Medicare’s Care Compare lists 6 Medicare-certified nursing homes and 3 hospice agencies in Tuscaloosa County (October 2026 data).
About Tuscaloosa: Medicare Snapshot for Seniors
Tuscaloosa is home to the University of Alabama, and football Saturdays shape the fall calendar. The Tuscaloosa Riverwalk, Lake Tuscaloosa and the historic downtown along Greensboro Avenue draw residents of all ages, and Northport has its own historic downtown across the river.
CMS counts 38,362 people with Medicare in Tuscaloosa County as of July 2026. Of those, 15,365 (40.1%) are in Original Medicare, where a Medigap plan can be added, compared with 38.5% statewide, and 22,997 are in Medicare Advantage or other health plans. About 8,800 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 West Alabama Regional Commission Area Agency on Aging. Call 1-800-243-5463 to reach your local office.
Common Medicare Questions from Tuscaloosa Residents
“I'm a retired educator with PEEHIP. Should I buy a Medigap plan?”
Check your PEEHIP retiree coverage first. Retired Alabama education employees have their own Medicare coverage rules through PEEHIP, and leaving group retiree coverage can be hard to undo. If you decide a Medigap plan is the better fit, buy it during your open enrollment period or a guaranteed issue situation so you won't face health questions.
“Can I use my Medigap plan at UAB in Birmingham?”
Yes. A Medigap plan works with any hospital or doctor in the United States that accepts Medicare, so you can see specialists at UAB, DCH or anywhere else without 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 Birmingham
- Medicare Supplement plans in Huntsville
- Medicare Supplement plans in Mobile
- Medicare Supplement plans in Montgomery
For statewide rates, enrollment steps and Alabama rules, see our Alabama Medicare Supplement guide.
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Content reviewed by Charles “Chuck” Lunsford, Licensed Life & Health Agent, Florida License A169316 and Alabama, NPN 553216