--- title: "Montgomery Medicare Broker | Alabama" description: "Get free Medicare help in Montgomery, Alabama. Dr. Tyler Dalton, PharmD, helps you compare Medicare Advantage, Medigap, and Part D plans. Licensed pharmacist and broker." lang: en json-ld: | [ { "@context": "https://schema.org", "@graph": [ { "@type": "FAQPage", "mainEntity": [ { "@type": "Question", "name": "How does Medicare work with Alabama State Employee Insurance Board retiree benefits in Montgomery?", "acceptedAnswer": { "@type": "Answer", "text": "SEIB retiree coverage coordinates with Medicare so that Medicare pays first and your SEIB plan covers remaining eligible costs. When you turn 65 and enroll in Medicare, it becomes your primary insurance. Your SEIB retiree plan then acts as secondary coverage. This coordination can significantly reduce your out-of-pocket expenses, but you need to make sure you enroll in both Part A and Part B on time to avoid penalties and gaps. We walk Montgomery state retirees through this process every day." } }, { "@type": "Question", "name": "Can Dalton Insurance help Montgomery veterans coordinate Medicare and VA benefits?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. We help Montgomery-area veterans understand how Medicare and VA healthcare work together. Veterans near Maxwell-Gunter AFB and throughout Montgomery County often have access to both VA care and Medicare. You can use both, but they do not coordinate like traditional insurance. Medicare does not pay for VA care, and the VA does not pay for care outside its system. Having both gives you maximum flexibility, and we help you set up your coverage so you have the widest access to providers." } }, { "@type": "Question", "name": "Which Medicare Advantage plans cover Baptist Health in Montgomery?", "acceptedAnswer": { "@type": "Answer", "text": "Baptist Health is included in the networks of most Medicare Advantage plans available in Montgomery County. Baptist Health operates multiple locations across the Montgomery area, including Baptist Medical Center South and Baptist Medical Center East. Most major carriers, including Humana and UnitedHealthcare, include Baptist Health facilities. We confirm your specific doctors are in-network before you enroll." } }, { "@type": "Question", "name": "What is the Part A hospital deductible in Montgomery for 2026?", "acceptedAnswer": { "@type": "Answer", "text": "The Medicare Part A hospital deductible for 2026 is $1,736 per benefit period, which applies everywhere in the United States, including Montgomery. This deductible covers your first 60 days in a hospital. If you have a Medicare Supplement plan, it may cover this deductible entirely. Medicare Advantage plans have their own cost-sharing structure. 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[Home ](/) 2. [Service Areas](/service-areas) 3. Montgomery # Montgomery Medicare Broker | Free Medicare Help from a Licensed Pharmacist As Alabama's capital city, Montgomery is home to tens of thousands of state employee retirees, veterans, and longtime residents entering Medicare. Dalton Insurance Agency provides free, pharmacist-guided Medicare consultations to every Montgomery County resident. [Schedule Your Free Medicare Consultation](/appointments)[Call Us: (334) 489-3624](tel:+13344893624) ![Dr. Tyler Dalton, PharmD — licensed Medicare advisor serving Montgomery, Alabama](/assets/tyler-headshot-DgKnxokr.jpg) ## Why Montgomery Residents Choose Dalton Insurance Local guidance from Dalton Insurance Agency in Dadeville, Alabama. Montgomery's retiree population includes a large number of former state government employees who spent their careers in the capital city. Transitioning from the State Employees' Insurance Board (SEIB) plan to Medicare can be confusing, especially when you are trying to understand how your SEIB retiree benefits coordinate with Medicare Parts A, B, and D. We help you understand the interplay so you avoid paying more than you need to. Dr. Tyler Dalton is a licensed Doctor of Pharmacy, and his clinical training gives him a unique edge in Medicare advising. He reviews your medications against every Part D formulary in Montgomery County, identifying the plan that covers your drugs at the lowest total cost. For Montgomery residents managing chronic conditions, this pharmacist-level review can mean significant savings. Baptist Health and Jackson Hospital are Montgomery's two major hospital systems. We make sure your Medicare plan covers the doctors and facilities you already rely on, whether that is a primary care physician at a Baptist Health clinic or a specialist at Jackson Hospital. Our guidance is always free. The premiums you pay are the same whether you work with us or enroll on your own. There is never a fee for our service. ## Medicare Services Available in Montgomery From Cloverdale to Dalraida, from Pike Road to Prattville, we bring our full range of Medicare services to the River Region. ### Medicare Advantage Plans All-in-one plans that bundle hospital, medical, and often prescription drug coverage. We compare every available plan in your area to find the right fit. ### Medicare Supplement (Medigap) Plans Standardized plans that cover gaps in Original Medicare, like copays, coinsurance, and deductibles. We help you pick the right letter plan at the best rate. ### Medicare Part D Prescription Drug Plans As a Doctor of Pharmacy, Tyler reviews your specific medications against every Part D formulary to find the plan with the lowest total cost, not just the lowest premium. ### Annual Enrollment Reviews Plans change every year. We review your current coverage each fall to make sure it still works for your needs and your budget. ### Turning 65 / New to Medicare Guidance Navigating Medicare for the first time can be overwhelming. We walk you through every step, from enrollment timelines to plan selection. ### Dental, Vision, and Hearing Coverage Original Medicare doesn't cover routine dental, vision, or hearing. We help you find affordable supplemental plans to fill those gaps. ### Life Insurance and Annuities Protect your family and plan for retirement income with life insurance and annuity options tailored to your stage of life. ### Long-Term Care Planning Plan ahead for potential long-term care needs. We help you explore options before they become urgent. Learn more: [Medicare Advantage](/medicare-advantage) | [Medigap Plans](/medicare-supplement) | [Part D Drug Plans](/part-d) ## Frequently Asked Questions About Medicare in Montgomery ### How does Medicare work with Alabama State Employee Insurance Board retiree benefits in Montgomery? SEIB retiree coverage coordinates with Medicare so that Medicare pays first and your SEIB plan covers remaining eligible costs. When you turn 65 and enroll in Medicare, it becomes your primary insurance. Your SEIB retiree plan then acts as secondary coverage. This coordination can significantly reduce your out-of-pocket expenses, but you need to make sure you enroll in both Part A and Part B on time to avoid penalties and gaps. We walk Montgomery state retirees through this process every day. ### Can Dalton Insurance help Montgomery veterans coordinate Medicare and VA benefits? Yes. We help Montgomery-area veterans understand how Medicare and VA healthcare work together. Veterans near Maxwell-Gunter AFB and throughout Montgomery County often have access to both VA care and Medicare. You can use both, but they do not coordinate like traditional insurance. Medicare does not pay for VA care, and the VA does not pay for care outside its system. Having both gives you maximum flexibility, and we help you set up your coverage so you have the widest access to providers. ### Which Medicare Advantage plans cover Baptist Health in Montgomery? Baptist Health is included in the networks of most Medicare Advantage plans available in Montgomery County. Baptist Health operates multiple locations across the Montgomery area, including Baptist Medical Center South and Baptist Medical Center East. Most major carriers, including Humana and UnitedHealthcare, include Baptist Health facilities. We confirm your specific doctors are in-network before you enroll. ### What is the Part A hospital deductible in Montgomery for 2026? The Medicare Part A hospital deductible for 2026 is $1,736 per benefit period, which applies everywhere in the United States, including Montgomery. This deductible covers your first 60 days in a hospital. If you have a Medicare Supplement plan, it may cover this deductible entirely. Medicare Advantage plans have their own cost-sharing structure. We help you understand exactly what you would owe in different scenarios so there are no surprises. ### When should Montgomery residents sign up for Medicare? If you are turning 65, your Initial Enrollment Period begins three months before your birthday month and ends three months after it. That gives you a seven-month window. If you are still working and have employer coverage, different rules may apply. Late enrollment can result in lifetime penalties on your Part B premium, which in 2026 starts at $202.90 per month. We help Montgomery residents time their enrollment correctly to avoid unnecessary costs. ## How to Get Started 1 ### Schedule a Call Book a free, no-obligation phone or video consultation at a time that works for you. 2 ### Review Your Options We compare every available plan in your area, explain the differences in plain language, and answer all your questions. 3 ### Enroll with Confidence Once you choose a plan, we handle the enrollment paperwork and stay available for ongoing support year-round. [Schedule Your Free Medicare Consultation](/appointments)[Call Us: (334) 489-3624](tel:+13344893624) 221 E South Street, Dadeville, AL 36853 ## Dalton Insurance's Connection to the Montgomery Community Montgomery sits just over an hour from our home office in Dadeville, making it one of the closest major cities we serve. The Dalton family's pharmacy roots in central Alabama run deep, and we understand the healthcare landscape of the River Region. Whether you are a retired state employee, a veteran from Maxwell-Gunter, or a longtime Montgomery resident turning 65, we are your neighbor and your advocate. [← Back to All Service Areas](/service-areas) ## Explore Related Services & Areas Whether you're comparing plans, exploring nearby communities, or looking for a calculator, here's where to go next. ### Services & Coverage - [Medicare Advantage ](/medicare-advantage) - [Medicare Supplement (Medigap) ](/medicare-supplement) - [Part D Prescription Plans ](/part-d) - [Dental, Vision & Hearing ](/coverage/dental-insurance) - [Cancer Insurance ](/coverage/cancer-insurance) - [Hospital Indemnity ](/coverage/hospital-insurance) - [Life Insurance ](/coverage/life-insurance) - [Annuities & Retirement Income ](/coverage/annuities) - [Long-Term Care Insurance ](/coverage/long-term-care) ### Nearby Service Areas - [Prattville & Millbrook Medicare Help ](/service-areas/prattville-millbrook-medicare-enrollment) - [Troy Medicare Help ](/service-areas/troy-medicare-broker) - [Auburn & Opelika Medicare Help ](/service-areas/auburn-opelika-medicare-broker) - [View all service areas ](/service-areas) - [Medicare in Alabama (statewide) ](/medicare-alabama) ### Calculators & Guides - [IRMAA Calculator ](/irmaa-calculator) - [Enrollment Timeline Calculator ](/medicare-timeline) - [Beginner's Guide to Medicare ](/learn-medicare/beginners-guide) - [2026 Medicare Costs ](/learn-medicare/medicare-costs-2026) - [Supplements vs Advantage ](/learn-medicare/supplements-vs-advantage) - [How to Pay for Long-Term Care ](/blog/how-to-pay-for-long-term-care) - [Lake Martin Retirement Guide ](/lake-martin-retirement-guide) Serving Montgomery and surrounding communities • Free, no-obligation Medicare guidance We do not offer every plan available in your area. Currently we represent 9 organizations which offer 62 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. ⭐ Lifetime Support: Once you are our client, you are our client for life⭐ ### Dalton Insurance Your trusted Medicare & Wealth advisors. Helping families secure their health and protect their wealth for nearly 15 years. [(334) 489-3624](tel:13344893624)[tyler@daltoninsurance.biz](mailto:tyler@daltoninsurance.biz) Serving Clients Nationwide ### Learn Medicare - [Beginner's Guide](/learn-medicare/beginners-guide) - [Common Medicare Mistakes](/medicare-mistakes) - [Parts of Medicare (A, B, C, D)](/learn-medicare/parts-of-medicare) - [Medicare Costs 2026](/learn-medicare/medicare-costs-2026) - [Supplements vs. Advantage](/learn-medicare/supplements-vs-advantage) - [Best Supplement Plan?](/learn-medicare/which-medicare-supplement-plan-is-best) ### Resources - [AEP Guide](/annual-enrollment-period) - [AEP 2026 Checklist](/aep-checklist) - [Lake Martin Retirement Guide](/lake-martin-retirement-guide) - [Dadeville Medicare Advisor](/service-areas/dadeville-medicare-advisor) - [Auburn Medicare Advisor](/service-areas/auburn-medicare-advisor) - [Opelika Medicare Agent](/service-areas/opelika-medicare-agent) - [Alexander City Medicare](/service-areas/alexander-city-medicare-agent) - [Turning 65 Checklist](/turning-65-medicare-timeline) - [Enrollment Checklist 2026](/medicare-enrollment-checklist) - [2026 Cheat Sheet](/resources/medicare-2026-cheat-sheet) - [IRMAA Calculator](/irmaa-calculator) - [Cancer Insurance Calculator](/cancer-insurance-calculator) - [All Calculators](/resources/calculators) - [Blog](/blog) - [Service Areas](/service-areas) ### Coverage Options - [Medicare Supplements](/medicare-supplement) - [Medicare Advantage](/medicare-advantage) - [Part D Drug Plans](/part-d) - [Cancer Insurance](/coverage/cancer-insurance) - [Annuities](/coverage/annuities) - [Long-Term Care](/coverage/long-term-care) - [Life Insurance](/coverage/life-insurance) © 2026 Dalton Insurance Agency. All rights reserved. Licensed in: [AL](/service-areas) • [GA](/medicare-service-areas-georgia) • FL • TN • MS • SC • NC • IL • and more [](https://www.facebook.com/DALTONINSURANCEAGENCY1/)[](https://www.tiktok.com/@drtylerdalton1)[](https://www.instagram.com/drtylerdalton/)[](https://www.linkedin.com/company/101849497/)[](https://www.youtube.com/@TylerDalton) © 2026 Dalton Insurance Agency. All Rights Reserved. Medicare has neither reviewed nor endorsed this information. Not connected with or endorsed by the United States government or the federal Medicare program. Calling our phone number will connect you to a licensed broker who is trained and certified to help you review the plan options available in your area. We do not offer every plan available in your area. Currently we represent 10 organizations which offer many products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.