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Best Medicare Advantage Plans in Georgia

Explore top-rated companies, popular plan types, average plan prices, and when to enroll in a Georgia Medicare Advantage plan.

There are several types of Medicare Advantage plans in Georgia, also known as MA plans or Medicare Part C. Below are general attributes of different plans to help you identify the best type for you.

Many Medicare recipients reap the benefits of having a Medicare Advantage plan. With a Medicare Advantage plan, you will not be giving up your Original Medicare benefits. Every Medicare Advantage plan in Georgia must provide a level of coverage that meets or exceeds the provisions of Original Medicare.

Find Plans in Your Area
 

Top rated Medicare Advantage plan companies in Georgia

Here are some of the private insurance companies offering Medicare Advantage plans for 2022:

  • Aetna Medicare
  • Anthem Blue Cross and Blue Shield
  • CareSource
  • Cigna
  • Clear Spring Health
  • Clover Health
  • Humana
  • Kaiser Permanente

Popular Medicare Advantage plan types in Georgia

Best network flexibility: Medicare Advantage PPO

  • PPO (preferred provider organization) offers a large network with the option to go out-of-network at a higher cost
  • No referrals are needed to see a specialist
  • Monthly premiums range from $0 to $100

Best for lowest out-of-pocket: Medicare Advantage HMO Plan

  • An HMO must use network providers unless it is an emergency, contributing to lower out of pocket costs
  • Need to select a primary care physician and obtain referrals for most specialist services
  • No monthly premiums

Best for low income or health conditions: Medicare Advantage D-SNP

  • Restricts membership to Medicare beneficiaries with certain diseases or limited financial resources
  • D-SNPs – type of SNP (special needs) plan contracted with Medicaid to manage the benefits coordination between Medicaid and Medicare for dual-eligible beneficiaries

Georgia Enrollment Facts:

Number of enrollees in Medicare Advantage in Georgia: 606,211

The number of enrollees by type of Medicare Advantage plan:

Local HMO: 177,941
Local PPO: 279,162
Regional PPO: 143,872

Percentage of enrollees in Medicare Advantage in Georgia: 46%

Number of enrollees in Medicare Advantage nationwide: 19,838,319

Percentage of enrollees in Medicare Advantage nationwide: 42%

How much does a Medicare Advantage Plan in Georgia cost?

In many areas, HMO plans are available with no monthly premium. Although you may be able to buy PPO plans with no premium as well, this is becoming less common. Plan availability and pricing will fluctuate from one county to the next.

The average monthly premium for MAPD in Georgia: $17.35

How much do Advantage Plans cost in Georgia?
Plan Type Premium Range
PPO Plan$0 to $17.35
HMO Plan$0.00

When can I enroll in a Medicare Advantage plan?

Initial Enrollment Period

  • Seven-months that starts three months before the month you turn 65 and ends three months later
  • The Initial Enrollment Period is for people new to Medicare. During this period, you can enroll in Medicare Part A and Medicare Part B.
  • To ensure you have Medicare coverage on your 65th birthday, sign up during the three months prior to your birthday month. After you enroll in Part B, you can apply for Medicare Part C.

Open Enrollment Period – aka Annual Election Period

October 15 – December 7

During the Open Enrollment Period, beneficiaries can join, change or leave health plans, including Medicare Advantage and prescription drug plans.

Submit your request by December 7 to ensure coverage begins January 1.

Medicare Advantage Open Enrollment Period

January 1 – March 31

If you have a Georgia Medicare Advantage plan and want to change to another MA plan, you can do so during the Medicare Advantage Open Enrollment Period. If you revert to Original Medicare, you can also sign up for a Part D plan.

Special Enrollment Periods – Special Circumstances

Timing depends on the special circumstance

Special circumstances may qualify you for a Special Enrollment Period. Examples include:

  • Changing to a location outside your plan’s service area or to a location where you have new plan options
  • Loss of coverage, such as Medicaid or an employer group plan
  • Leaving a plan that has ended its contract with Medicare

5-star Special Enrollment Period

December 8 – November 30

Once during the Special Enrollment Period, you can change your MA plan, Part D plan or Medicare Cost Plan and join another that has earned a 5-star rating. This rating is assigned by Medicare based on assessments of excellent quality and performance. Ratings take into account feedback from members and health care practitioners.

Special Enrollment Periods if you get “Extra Help”

Timing and the changes you can make depend on your qualification for Extra Help, a program that helps people with low income and resources.

Qualification Special Enrollment Period What You Can Do
Eligible for Medicare and Medicaid January – March, April – June, July – September Join, switch or drop MA or Part D
Eligible for help paying for drug plan January – March, April – June, July – September Join, switch or drop Part D
Enrolled in or lose eligibility for State Pharmaceutical Assistance Program (SPAP) One time per calendar year Enroll in Medicare drug plan or MAPD plan

 

Medicare Advantage Highlights:

Highlights of your typical Georgia Medicare Advantage plan:

  • The administration, customer service, and benefits disbursements go through the private insurance company that sold you the plan rather them Medicare direct.
  • If there is a Medicare Advantage premium charged, you pay it directly to the health insurance company while you continue to pay your Part B premium to Medicare.
  • The standard monthly Part B premium paid to Medicare is $170.10 in 2o22.
  • The annual Part B deducible is $233 in 2022.
  • Additional coverage may include vision, dental and hearing services as well as wellness programs.
  • Benefits are tied to a network of healthcare providers.
  • You may have the option to buy a Medicare Advantage Prescription Drug (MAPD) plan, which covers Medicare Part A, Part B, and prescription drug coverage.

Related Topics

Georgia State Links

Ready to Learn More?

We help educate Medicare beneficiaries on their Medicare Advantage options and help them go through the process of reviewing and comparing plans. We work with most of the nation’s top-rated Medicare Advantage carriers. Give us a call today, or request a quote online to learn more about plan options.