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Find The Best Medicare Plans in Georgia

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Best Medicare Plans in Georgia

If you are 65 or older or have Medicare due to a disability, you might be thinking about enrolling in one of the best Medicare plans in Georgia. The best time to do this is during the Initial Medicare Enrollment Period so that you are not penalized later. The initial enrollment period begins three months before your birth month arrives, and it ends three months after your birth month passes. If you wait to enroll, you may be assessed a Medicare Part B late enrollment penalty, so it is imperative that you avoid this. If you are given a late penalty for your Part B Medicare in Georgia, you will have to pay this penalty for as long as you have the coverage

Part A Medicare in Georgia offers the following:

  • Care in a skilled nursing facility
  • Hospital admissions
  • Care in a hospice facility
  • Home health care

Part B Medicare in Georgia offers the following:

  • Ambulance services
  • A second opinion before you have surgery
  • Durable Medical Equipment or DME
  • Clinical research

Medicare Plans in Georgia do not cover the following:

  • Eye examinations for the purpose of prescribing eyeglasses
  • Dental care
  • Hearing aids and the exams needed for fitting them
  • Routine foot care
  • Acupuncture
  • Long-term care
  • Cosmetic surgery

Enrollment Statistics for Medicare in Georgia

In 2018, 1,048,484 Georgia beneficiaries enrolled in Original Medicare Part A and Part B.

Best Types of Medicare Plans in Georgia

Georgia Medicare gives you the option of choosing one of the following methods of accessing your Medicare benefits:

  • Medicare Supplement Plans in Georgia: Another name for these Medicare plans in Georgia is “Medigap plans.” Medigap plans are Medicare plans in Georgia that supplement your medical coverage. Medigap plans will only cover the portion of the expenses that your Original Medicare insurance does not cover. Medicare in Georgia covers about 80 percent of the cost of approved services, and you are left to pay the remaining 20 percent. Medigap plans will help you pay a portion of the 20 percent.
  • Medicare Advantage Plans in Georgia: Medicare Advantage plans also go by the name of “Medicare Part C,” and they provide beneficiaries in Georgia with the same coverage as Original Medicare insurance. You may decide that these plans are “advantageous” to you because you may be able to obtain extra benefits, including vision, hearing, wellness, Medicare Part D prescription drug coverage and dental. If you have had health plans in the past that were HMOs or PPOs, then you might like these similar health insurance plans. Some are even available without a monthly premium. However, health services might be limited to a certain network or service area with these plans.
  • Medicare Prescription Drug Plans: Georgia Medicare offers you Medicare Prescription Drug Plans or Medicare Part D. This benefit also causes you to be susceptible to the Medicare Part D late enrollment penalty, so make sure that you enroll early if you wish to accept this benefit. You may be entitled to Medicare Part D if you have a Medicare Advantage plan as well.
  • Special Needs Plans: Some beneficiaries in Georgia will qualify for a Special Needs Plan if they have been diagnosed with one of the qualifying conditions. You may also qualify if you are disabled. If you qualify for a Special Needs Plan, your plan will be tailored to meet your specific needs. Every SNP offers beneficiaries in Georgia prescription drug benefits.

If you plan to purchase one of the Medicare Advantage Plans, you will buy it from a private insurance company. This gives you another advantage because you can compare rates from several insurance companies so that you will be the beneficiary of the best rates. When you compare rates, make sure that you are comparing similar plans so that you will know that a true comparison is being made. These are some of the different types of stand-alone Advantage plans that you can compare:

  • Private Fee-for-Service (PFFS)
  • Preferred Provider Organization (PPO)
  • Medicare Medical Savings Account (MSA)
  • Health Maintenance Organization (HMO)

The items that Georgia beneficiaries will need to compare include the following:

  • Coinsurance
  • Copayments
  • Deductibles
  • Monthly premiums

Be aware of the fact that you and your spouse cannot be beneficiaries of the same Medicare Supplement Plans or Advantage plans. Each one will need to qualify for and purchase his or her own plan.

Also, be aware that you will still have to pay your Medicare Part B premium. Medicare beneficiaries can sometimes sign up for Advantage Medicare programs with no monthly premiums, but a monthly premium will be required for many plan options. If you sign up for Medicare Supplement insurance instead, you will have to pay a monthly premium.

For a complete description of benefits for both Advantage and Supplement plans, give us a call. We will help you find the best cost-sharing plan so that you can save money when it’s time to schedule an appointment with your health care providers or when you need to head to the hospital or a nursing home for temporary skilled care.

We give Georgia Medicare beneficiaries extra help with comparing and shopping for plans. By finding out about these plans, you can enjoy more than the coverage that is offered by Medicare Parts A and B. You can also drastically reduce your out of pocket costs for health care. Call and talk to one of our licensed insurance agents about your options with top companies like Cigna, Aetna and Mutual of Omaha.

Gerogia Medicare Resources

If you are ready to sign up for Medicare plans in Georgia, you can do so online. Just visit the link below, and it will take you to the Social Security website:

Social Security

A few other helpful resources that can help you with signing up for and understanding your Medicare coverage can be found at these links:

CMS: Centers for Medicare and Medicaid Services


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