Which Supplemental Insurance Plan Do I Need?

Medicare supplemental insurance can be sold in 10 standard plans. To review our detailed Outline of Coverage and Benefits click here. Most seniors in North Alabama find that either our Plan B or Plan C meets their health care needs.

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Plan B features:

  • Coverage for all eligible expenses after the Part B deductible
  • No claims to file
  • Ability to choose your own physician
  • No referrals to see a specialist
  • No co-pays for office visits
  • No waiting periods for pre-existing conditions
  • Choose from the leading network of hospitals in North Alabama. If the services you require are not available at a participating hospital, then your physician may refer you to a non-participating hospital and your Medicare approved services will be covered by your FirstCommunity Senior Select policy.

Plan C features:

  • All of the above plus:
  • Skilled Nursing Facility Care for days 21-100. For the first 20 days of SNFC, Medicare pays all approved amounts providing you have been in a hospital for at least 3 days and entered a Medicare-approved facility within 30 days.

3 Ways To Enroll

  1. Download an application, fill it out and mail it back with your first month’s premium. Click here to download and fill out the convenient bank draft authorization form and your monthly premium will be automatically deducted each month.
  2. Call our customer service representative at 532-2783. (Outside Huntsville call 1-800-734-7826.)
  3. Visit our office at 699-A Gallatin Street, Huntsville, Alabama.
Download FirstCommunity's Outline of Coverage PDF Download the 2017 Outline of Coverage

Our 2017 rates can save you money.

At FirstCommunity, we understand how important it is to have affordable health coverage. A Medicare Supplement, like FirstCommunity Senior Select, is the best way to avoid thousands of dollars in out-of-pocket expenses that Medicare doesn't cover. For new policyholders with effective dates on or after January 1, 2017, our premiums are based on your current age and can save you money.

Rates for FirstCommunity Senior Select Medicare Supplement Plans

Sold for Effective Dates on or after January 1, 2017.

FirstCommunity Senior Select premiums are based on your current age - the age you have attained. So premiums are lower for younger buyers.

Huntsville Area Rates

Compare to BC/BS

Jackson, Limestone, Madison, Marshall, and Morgan Counties

Age Plan A Plan B Plan C
65 $109.00 $113.00 $145.00
66 111.00 116.00 148.00
67 113.00 118.00 152.00
68 116.00 123.00 158.00
69 119.00 127.00 163.00
70 124.00 132.00 170.00
71 127.00 135.00 175.00
72 130.00 138.00 181.00
73 133.00 142.00 188.00
74 135.00 146.00 194.00
75 137.00 148.00 199.00
76 139.00 150.00 204.00
77 141.00 152.00 210.00
78 142.00 156.00 214.00
79 144.00 158.00 218.00
80 145.00 159.00 225.00
81 146.00 160.00 230.00
82 147.00 161.00 235.00
83 147.00 162.00 240.00
84 148.00 163.00 244.00
85 148.00 163.00 249.00
86 148.00 164.00 255.00
87+ 149.00 166.00 261.00

Shoals Area Rates

Compare to BC/BS

Colbert, Franklin, Lauderdale, and Lawrence Counties

Age Plan A Plan B Plan C
65 $125.00 $138.00 $166.00
66 128.00 142.00 170.00
67 132.00 146.00 174.00
68 135.00 149.00 180.00
69 138.00 155.00 186.00
70 142.00 159.00 194.00
71 146.00 163.00 202.00
72 149.00 167.00 208.00
73 151.00 170.00 214.00
74 155.00 173.00 219.00
75 157.00 177.00 226.00
76 159.00 180.00 232.00
77 160.00 182.00 238.00
78 161.00 185.00 242.00
79 162.00 186.00 246.00
80 162.00 188.00 254.00
81 163.00 190.00 260.00
82 163.00 191.00 264.00
83 163.00 191.00 268.00
84 164.00 192.00 273.00
85 164.00 193.00 278.00
86 164.00 193.00 282.00
87+ 164.00 194.00 287.00

PREMIUM INFORMATION: Your premium will increase each year because of the increase in your attained age. Your premium is based on the attained age of the insured on January 1 of each year. We can also raise your premium if (a) we change the rates which apply to all policies of this form issued by us and in-force in your state; (b) coverage under Medicare changes; or (c) you move to a different ZIP Code location. We will send you a written notice at least thirty (30) days in advance when we change the premium rates for all policies of this form issued by us and in-force in your state.