Medicare Supplement Plans in Montgomery, Alabama
Compare Medigap plans for Montgomery and River Region residents in Montgomery, Autauga and Elmore counties with an agent licensed in Alabama. Free quotes for your ZIP code.
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Medicare Supplement Planning in Montgomery
The River Region includes Montgomery, Prattville and Millbrook in Autauga and Elmore counties, and Wetumpka and Pike Road. As the state capital and home to Maxwell Air Force Base, it has many retired state employees and military retirees, and both groups often have retiree coverage to think about before buying a Medigap plan.
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What Medicare Supplement Plans Cost in Montgomery
These are the median monthly rates listed in the Medicare.gov Medigap policy search for ZIP code 36104, 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 Montgomery Residents Choose Medigap Coverage
Baptist Medical Center East, Baptist Medical Center South and Jackson Hospital are the main hospitals in Montgomery, with Prattville Baptist Hospital serving Autauga County. A Medigap plan works at all of them, and at UAB or any other hospital in the country that accepts Medicare.
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 Montgomery
Medicare-certified acute care hospitals in the area include:
- Baptist Medical Center East, Montgomery
- Baptist Medical Center South, Montgomery
- Jackson Hospital, Montgomery
- Prattville Baptist Hospital, Prattville
Veterans can also use the VA Central Alabama Health Care System in Montgomery. Medicare’s Care Compare lists 8 Medicare-certified nursing homes and 4 hospice agencies in Montgomery County (October 2026 data).
About Montgomery: Medicare Snapshot for Seniors
Montgomery is Alabama’s capital and a city with deep history, from the State Capitol on Dexter Avenue to the civil rights landmarks downtown. Maxwell Air Force Base and state government are major employers, and Prattville, Millbrook and Pike Road have grown as suburbs.
CMS counts 46,273 people with Medicare in Montgomery County as of July 2026. Of those, 16,921 (36.6%) are in Original Medicare, where a Medigap plan can be added, compared with 38.5% statewide, and 29,352 are in Medicare Advantage or other health plans. About 10,800 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 Central Alabama Aging Consortium, which serves Autauga, Elmore and Montgomery counties. Call 1-800-243-5463 to reach your local office.
Common Medicare Questions from Montgomery Residents
“I'm a military retiree with TRICARE For Life. Do I need a Medigap plan?”
Usually not. TRICARE For Life pays after Medicare for most services once you have Part A and Part B, so a Medigap plan would mostly duplicate it. Keep Part B active, since TRICARE For Life requires it.
“I'm a retired Alabama state or education employee. Should I buy a Medigap plan?”
Check your retiree coverage first. Retiree health plans for state and education employees have their own Medicare rules, and leaving group 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.
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 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