Medicare Supplement Plans in Georgia

Victoria Burke by Victoria Burke | Licensed since 2011
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This article was updated on: 10/12/2018

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If you like having the freedom to choose your own doctors and hospitals in Georgia, you might want to learn about Medicare Supplement plans in Georgia. Medicare Supplement plans in Georgia (as in other states) work alongside your Medicare Part A and Part B coverage.

Medicare Supplements (also called Medigap) plans in Georgia and the other states are not part of the federal government Medicare program. However, they are designed to supplement your Original Medicare (Part A and Part B) coverage. Medicare Supplement plans may help pay Part A and Part B copayments, coinsurance, deductibles, and other out-of-pocket expenses. Some plans may even pay some of the cost of emergency care you receive if you travel outside of the United States.

Medicare Supplement plans in Georgia don’t replace your Medicare Part A and Part B coverage. You continue to pay your Part B premium, and you pay a premium to the insurance company that provides your Medicare Supplement plan in Georgia. How much you pay for a Medicare Supplement plan in Georgia depends upon the insurance company you choose, which plan you choose, and possibly when you buy it. More on when you can buy this insurance later in this article.

Medicare Supplement plans in Georgia (and 46 other states) are standardized identified by letters A through N. There are up to 10 standardized plans in Georgia. You might expect the premium to be higher for a plan that provides more coverage (like Medicare Supplement Plan F) than for a plan with less coverage (like Medicare Supplement Plan A). Be aware, however, that two insurers offering identical Medicare Supplement plans in Georgia may have significantly different premiums. It pays to shop and compare plans.

How do I compare Medicare Supplement plans in Georgia?

You’ll probably want to compare the premiums of Medicare Supplement plans in Georgia before you decide to buy one. You can compare the basic benefits included in each Medicare Supplement plan, lettered A-N, by reviewing this Medicare Supplement plans comparison chart.

Once you have decided which plan you want to buy, you can use the Find Plan button on this page to see a list of Medicare Supplement plans in your part of Georgia.

When can I buy Medicare Supplement plans in Georgia?

For most people, the best time to apply for a Medicare Supplement plan is during the six-month period called the Medicare Supplement Open Enrollment Period (OEP). It begins the month you are both at least 65 and enrolled in Medicare Part B.

Insurance companies cannot deny you a Medicare Supplement plan, nor charge a higher premium if you have health problem, during this time. If you delay, you might not be able to get a Medicare Supplement plan in Georgia later or you may have to pay more for the coverage.

What else should I know about Medicare Supplement plans in Georgia?

Here are some useful facts about Medicare Supplement plans in Georgia (and elsewhere).

  • You can use Medicare Supplement insurance only with the traditional Medicare program, Medicare Part A and Part B. You can’t use it for out-of-pocket expenses that come with Medicare health plans, such as Medicare Advantage.
  • Medicare Supplement plans sold today don’t include prescription drug coverage. If you need coverage for your medications, you can enroll in a stand-alone Medicare Part D Prescription Drug Plan in Georgia.
  • Although you must purchase your Medicare Supplement plan in Georgia where you live, your plan typically helps pay for covered services you receive from health-care providers anywhere in the U.S. that accept Medicare.

Do you have more questions about Medicare Supplement plans in Georgia? Feel free to use one of the links below to set up a phone call with me or request personalized information from me by email. You can also click the Find Plans button on this page anytime.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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