Medicare Supplement Plans in Georgia

Are you researching Medicare Supplement plans in Georgia? About 1.4 million Georgians benefit from Original Medicare, the U.S. health insurance program for senior citizens and disabled people. While some rely on Medicare Part A and B or employer health coverage, many will choose a Medicare Supplement plan.

Why not let us help you with your comparison of Medicare Supplement plans in Georgia? All you need to do is put your zip code quote box to start your quotes; we are eager to help you maximize your Medicare benefits.

Medicare Supplement Plans in Georgia: The Medicare Landscape

Fourteen percent of Georgians, mostly 65 and over, rely on Medicare benefits. This is how these senior citizens are distributed in major Georgia cities as a portion of the total population:

• Atlanta: 9.8%
• Columbus: 11.6%
• Savannah: 11.7%
• Athens & Clarke County: 8.4%
• Sandy Springs: 10.8%

How Will A Medicare Supplement Plan in Georgia Work?

People who rely on Part A and B of Original Medicare risk having significant out-of-pocket expenses if they need severe medical treatments. These are some examples of current deductibles and coinsurance that has to come out of the beneficiary’s pocket:

Medicare Part A:

• Hospital deductible: $1,260
• Inpatient coinsurance after day 60: $315
• After day 90: $630
• After lifetime reserve exhausted: All costs

Medicare Part B:

• Part B Deductible:  $147
• Coinsurance for most medical services after the $147 Part B deductible: 20 percent

Medicare Supplement plans come in standard benefit levels with names from Plan A to N. Each unique plan provides different coverage, but all Medigap plans cover Part A coinsurance and add 365 days after lifetime reserve days have been exhausted.

Top Medicare Supplement plans in Georgia:

• Plan C and Plan D: These are considered very sound choices, but they do not cover charges that are greater than what Medicare says they should be. Plan D is different than Plan C because it does not cover the Part B deductible.
• Medicare Supplement Plan F and G: Both of these options do cover excess charges, but Medicare Plan G does not include the Part B deductible. Plan F covers the most of any plan, and there is also a high deductible Plan F that you can choose for lower premiums.
• Medicare Plan N and K: These options have more cost sharing than others so that they might be cheaper than other robust Medicare Supplement plans.

Medicare Supplement Plans in Georgia and MA Plans

The thought of an inexpensive MA plan appeals to many senior citizens who have to make do with a small budget. Many companies even package Part D and other supplemental coverage inside the plan, and this makes them seem inexpensive, simple, and convenient.

However, MA options may have high out-of-pocket limits and leave the member with lots of exposure. With some, out-of-pocket maximums may be higher than $6,000 a year. With a Medicare Supplement plan in Georgia, out-of-pocket costs are likely to be close to nothing. Also, Medigap plan owners don’t have to worry about traveling outside of the service area of a Medicare HMO or PPO or needing a referral to see a specialist.

Compare Medicare Supplement Plans in Georgia

The great thing about Medicare Supplement plans is that each plan level is always the same for every company. That means that you are free to shop for quality  Medigap companies by rate. These are some top insurers in the state:

• Cigna
• Aetna
• Bankers Fidelity
• Blue Cross Blue Shield of Georgia
• Mutual of Omaha
• Gerber
• Humana

The cheapest Medicare Supplement plan in Georgia may depend upon your age, location, and health. We make it easy to make the best choice by offering quick quotes online. Just type your zip code into the quote box on this page to begin.