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Best Medicare Supplement Plans in Georgia

About 300,000 beneficiaries of Original Medicare enhance their coverage with a Medicare Supplement plan in Georgia. This is about 30 percent of the state’s total enrollment. The best Medicare Supplement plans in Georgia work by paying some or all of the cost-sharing that Medicare beneficiaries would have to pay out of their own pockets without other insurance.

A Medicare Supplement insurance plan in Georgia is a type of policy that fills in gaps that Original Medicare misses. Often these plans are called Medigap policies.

This insurance policy will cover medical expenses like copayments, coinsurance, and deductibles (Medicare Part A Deductible). Other coverages for Medigap policies include medical services and medical supplies.

Find Plans in Your Area

Most popular Medicare Supplement Plans in Georgia

Best Full-Coverage plan: Medicare Supplement Plan F

Medicare Plan F is the best for full coverage and applies to Medicare beneficiaries with a start date of before January 1, 2020.

Best Comprehensive Coverage: Medicare Supplement Plan G

Medigap Plan G is the best for comprehensive coverage for those with a start date post-January 1, 2020. After 1/1/2020, Plan G has the highest level of benefit when compared to Plan F.

Best Value: Medicare Supplement Plan N

Medicare Plan N has the best value for beneficiaries who don’t mind trading certain coverage benefits so they can save on their monthly premiums.

This plan does not cover copays or Medicare Part B excess charges.

Copays for Plan N will include office visits ($20), and ER visits are $50.

The ER copay will be waived if you are admitted.

Medicare Supplement Insurance cost in Georgia

Premiums for Medigap plans in Georgia are based on several factors used by private health insurance companies. Factors include community ratings which are priced for any age. The issue age, which prices for the age when the plan was obtained. As for attained age, its pricing will increase with age.

65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan G$111.75 - $144.03
Plan N$98.56 - $135.00

When can I enroll in a Georgia Medigap plan?

When signing up with Social Security, you will automatically be enrolled at the age of 65 into Medicare Part A and Medicare Part B.

With a Medigap plan in Georgia, you can apply with a Medicare insurance company during the Medigap open enrollment period. During this period you can compare and review plan options and pricing from the insurer.

65 or older – Enroll in Part B and then you can have a Medicare Supplement insurance plan in Georgia. Part B cannot be changed or repeated.

Turning 65 – Medicare beneficiaries will have an effective date of enrollment on the first day of the month they turn 65. From this point, a six-month enrollment period will begin. To note, Part B is needed for enrollment.

Under 65 – Eligibility is reduced and a policy will typically cost more. Not all states, but some, must sell Medigap policies for anyone under 65.

Note: Medicare Supplement plans do not have enrollment periods and can be bought at any time. Enrollment periods only apply to Part C and D plans, aging into the Federal Medicare Program, losing Part C coverage, or retiring from group coverage.

The Centers for Medicare & Medicaid Services runs the Federal Medicare Program.

Frequently asked questions:

When can I change Medigap plans in Georgia?

You can switch at any time, but it is best to switch plans inside the Open Enrollment Period. Outside of this period, the insurance carrier may review your medical records and take into account your health condition. You could face higher monthly premiums or be refused coverage.

Can I be denied Medigap insurance coverage?

Guaranteed issue rights will help to keep you from being denied. This is especially helpful if you have pre-existing conditions. Guaranteed issue rights include switching from a Part C plan to a Medigap plan, moving away from your current service area, you had your Medicare Supplement plan less than 6 months, etc. To learn more about guaranteed issue rights, you can speak with a Policy Guide licensed insurance agent.

Related Topics

Ready to learn more?

We work with most of the nations top-rated Medigap carriers. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Georgia State Links

Georgia Medicare Resources

Key Take Aways
  • In Georgia, Medicare Plan G is the most popular plan for 2022.
  • In Georgia, Medicare reimbursement costs are a bit lower than the national average.
  • You can not have a Medicare Supplement plan and a Medicare Advantage plan at the same time.