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Best Medicare Advantage Plans in Georgia

For seniors looking to simplify their health care coverage, the top Medicare Advantage Plans in Georgia can be an attractive option. Medicare Advantage plans, also referred to as Medicare Part C, are becoming increasingly popular in Georgia.

Here are a few reasons why:

  • Frequently have extra benefits such as gym memberships, vision, and meal delivery
  • Typically include prescription drug coverage
  • Eliminates the need for Medicare Supplement (Medigap) insurance

The Centers for Medicare and Medicaid Services regulate Medicare Advantage plans in Georgia, and Medicare beneficiaries have many coverage options. It’s essential to compare health plans so that you get the coverage you need for the lowest price. The following information will get you started on the road to getting the health insurance that you need.

What is the best Medicare Advantage Plan in Georgia?

Finding the best Medicare Advantage plan in Georgia for 2022 depends on your finances, health condition, and the healthcare providers you use.

Best network freedom: Medicare Advantage PPO

  • Larger network
  • No referrals needed
  • Flexibility to see any provider for a higher cost-share
  • $0 to $100 monthly premium

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

  • Has primary care physician
  • Lower out of pocket costs because uses network providers
  • Typically $0 monthly premium

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

  • Open to those eligible for both Medicare and Medicaid
  • Good for those with chronic health conditions such as end-stage renal disease
  • Includes Medicare Part D plan
  • Uses PCP, referrals, network providers

When can I enroll in a Medicare Advantage plan in Georgia?

Medicare beneficiaries have several options when it comes to enrolling in Medicare Advantage insurance plans for 2022.

Initial Enrollment Period

  • Best time to join
  • Lasts seven months: three months before you turn 65, birth month, three months after you turn 65
  • No underwriting required

Open Enrollment Period – AKA Annual Election Period

  • Oct. 15-Dec. 7 annually
  • Can join, change, or drop health and Part D plans
  • No underwriting required

Medicare Advantage Open Enrollment Period

  • Jan. 1-March 31
  • Can switch from one plan to another
  • Can change back to Original Medicare for your Medicare Part A and Part B benefits

Special Enrollment Periods

Special enrollment periods cover special circumstances. Here are a few examples:

  • You leave the plan’s service area
  • You become eligible for Medicare and Medicaid
  • You move into or out of an institution
  • You lose other insurance coverage or Medicaid eligibility
  • You dropped a Medigap policy when you initially joined Medicare Advantage

5-star Special Enrollment Period

Medicare uses a rating system to help beneficiaries compare health plans. A 5-star rating is the highest.

  • If a 5-star plan is available in your service area, you can change from your current plan to one with a 5 star rating.
  • You can only switch once between Dec. 8 and Nov. 30.

Special Enrollment Periods if you get “Extra Help”

  • If you become eligible for Medicare and Medicaid, you can join, drop, or change Medicare Advantage plans between January-March, April-June, and July-September.
  • If you’re enrolled in or lose eligibility for the State Pharmaceutical Assistance Program, you can join an Advantage plan with drug coverage once in a calendar year.

Our licensed insurance agents can provide more information on enrollment periods.

How much does Medicare Advantage cost?

Monthly premiums for Medicare Advantage vary depending on the service area you live in and the insurance company offering the plan. For 2022, the average premium in Georgia is $17.35.

When can I make changes to my Medicare Advantage plan?

When you join a Medicare Advantage plan, you’re locked in for 12 months (Jan. 1-Dec. 31). Although you can make changes if you qualify for special enrollment, the Annual Election Period is the primary opportunity to change your coverage.

During the AEP, you can:

  • Switch between Medicare Advantage plans
  • Change from Medicare Advantage to Original Medicare
  • Change from Original Medicare to MA
  • Coverage effective Jan. 1

Ready to Learn More?

Medicare can be very confusing, if you need help on plan selection or getting more detailed information, please reach out to us for additional help, we are here to guide you!  

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