Best Medicare Supplement Plans in Georgia 2026
Georgia has over 372,500+ Medigap enrollees - Plan G starts at just $118/mo in Atlanta. We compared 30+ carriers to find the best coverage for the Peach State's growing Medicare population.
Georgia Is One of the Fastest-Growing Retirement Destinations in the South
Georgia's total Medicare population has grown to nearly 1.9 million - driven by retirees moving to Atlanta suburbs, the North Georgia mountains, and the coast. With over 372,500 Medigap enrollees and Plan G starting at just $118/mo/mo in Atlanta, Georgia offers competitive rates and a wide selection of carriers. Enrolling during your Open Enrollment Period at 65 is the best way to lock in coverage without medical underwriting.
More than 372,500 people in Georgia have Medicare Supplement Insurance, or Medigap. Georgia is one of the fastest-growing retirement states in the South - Atlanta, Savannah, and the North Georgia mountains attract thousands of retirees each year. With over 30 carriers licensed in the state, Georgia offers a competitive Medigap market where Plan G starts at just $118 per month in Atlanta.
Plan G is the most popular Medicare Supplement plan for new enrollees in Georgia. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($257 in 2026). Georgia uses attained-age rating, meaning premiums increase as you age, so enrolling during your 6-month Open Enrollment Period at age 65 is the best way to lock in the lowest possible rate. Unlike California or Missouri, Georgia has no birthday rule or anniversary rule - your OEP is your primary guaranteed-issue window.
Compare the Best Medicare Supplement Plans in Georgia
Our top-rated Medigap carriers in Georgia, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Atlanta. Rates in Savannah, Augusta, Columbus, and other regions may vary.
State Farm
Plan G
$148/mo
Plan N
$107/mo
AM Best
A++
State Farm's A++ AM Best rating and Georgia-wide agent network make it the most trusted choice for Medigap in the Peach State.
AARP / UnitedHealthcare
Plan G
$152/mo
Plan N
$112/mo
AM Best
A
UnitedHealthcare is Georgia's largest Medigap insurer, offering the widest plan selection and strong community-rated options in metro Atlanta.
Mutual of Omaha
Plan G
$145/mo
Plan N
$104/mo
AM Best
A+
Mutual of Omaha's 12% household discount is the best available in Georgia - ideal for couples enrolling together.
Humana
Plan G
$135/mo
Plan N
$97/mo
AM Best
A-
Humana's strong Georgia footprint and SilverSneakers benefit make it a popular choice for active Atlanta-area retirees.
Wellabe
Plan G
$126/mo
Plan N
$91/mo
AM Best
A-
Wellabe offers the best balance of low premiums and stable rate history in Georgia - a smart pick for budget-conscious enrollees.
Medicare Supplement Prices in Georgia
Sample monthly premiums from top carriers in Atlanta. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Georgia uses attained-age rating - premiums will increase as you age. Savannah, Augusta, and Columbus rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Cigna / HealthSpring | $118 | $84 | $133 |
| NHIC | $120 | $86 | $144 |
| Bankers Fidelity | $129 | $92 | $149 |
| Wellabe | $126 | $91 | N/A |
| Humana | $135 | $97 | $157 |
| Mutual of Omaha | $145 | $104 | $162 |
| AARP / UnitedHealthcare | $152 | $112 | $171 |
| State Farm | $148 | $107 | N/A |
Lowest available in Georgia (Atlanta): Plan G from $118/mo | Plan N from $84/mo | Source: FairSquare Medicare, CMS Medicare Plan Finder, May 2026
Plan G vs. Plan N in Georgia
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Georgia. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($257) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Atlanta) | $118–$152 | $84–$112 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
In Georgia, Cigna/HealthSpring is cheapest at $118/mo - but Wellabe at $126/mo is the better value. HealthSpring has a far-higher-than-expected complaint ratio nationally. Wellabe offers Plan G at $126/mo with a much cleaner complaint record and stable rate history. Also worth noting: Humana has a strong local presence in metro Atlanta and offers SilverSneakers fitness benefits - worth comparing if you are an active retiree. Georgia has no birthday rule, so your 6-month Open Enrollment Period at age 65 is your best - and often only - chance to enroll without medical underwriting.
Georgia Medigap Rules You Should Know
No Birthday or Anniversary Rule
Unlike California or Missouri, Georgia does not have a birthday rule or anniversary rule. Your guaranteed-issue window is your 6-month Open Enrollment Period when you first enroll in Medicare Part B at age 65. After that window closes, insurers can use medical underwriting to deny coverage or charge higher premiums.
Under-65 Coverage Required
Georgia law requires Medigap insurers to offer coverage to Medicare beneficiaries under age 65 who qualify due to disability or End-Stage Renal Disease (ESRD). Premiums for under-65 enrollees are typically 2–3x higher than standard rates.
Attained-Age Rating Standard
Most Georgia Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies (premiums locked at your age when you enrolled) are available from select carriers and may save money long-term.
Georgia Insurance Commissioner Regulates
The Georgia Office of Insurance and Safety Fire Commissioner oversees all Medigap policies sold in the state. Carriers must file rate changes and receive approval before implementing increases.
Free Counseling via Georgia SHIP
Georgia's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-669-8387 or visit aging.georgia.gov/georgia-ship to speak with a trained volunteer counselor.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and J.D. Power scores
Premium Competitiveness
Plan G and Plan N rates vs. Georgia market average
Plan Availability
Number of plan types offered in Georgia
Discounts & Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, FairSquare Medicare, NerdWallet
Explore Georgia Medicare Supplement Plans
Compare rates and coverage details for specific plan types available to Georgia Medicare beneficiaries.
Compare Plan G premiums from 30+ carriers in Georgia. Covers everything except the Part B deductible.
Lower premiums with small copays. A strong alternative to Plan G for healthy beneficiaries.
Lowest monthly premiums with a higher deductible. Best for those who rarely use healthcare.
Frequently Asked Questions
What is the best Medicare Supplement plan in Georgia for 2026?
Plan G is the most popular and recommended Medigap plan in Georgia for new enrollees. It covers nearly all Medicare out-of-pocket costs except the annual Part B deductible ($257 in 2026). For the best overall value, State Farm (A++ rated) and Mutual of Omaha (A+ rated) consistently rank highest in Georgia for financial strength and customer satisfaction.
Does Georgia have a birthday rule for Medigap?
No. Georgia does not have a birthday rule or anniversary rule. Unlike California (birthday rule) or Missouri (anniversary rule), Georgia only guarantees your right to enroll in any Medigap plan without medical underwriting during your 6-month Open Enrollment Period when you first turn 65 and enroll in Medicare Part B. After that window, insurers can deny coverage based on health conditions.
How much does Medicare Supplement Plan G cost in Georgia?
Plan G premiums in Georgia range from approximately $118/mo to $152/mo for a 65-year-old female nonsmoker in Atlanta. Premiums vary by carrier, zip code, age, gender, and tobacco use. Savannah and Augusta tend to have slightly different rates than metro Atlanta. The cheapest option is Cigna/HealthSpring at $118/mo, though Wellabe at $126/mo offers better value with a lower complaint ratio.
What is the difference between Plan G and Plan N in Georgia?
Plan G covers nearly everything except the $257 Part B deductible. Plan N also skips the Part B deductible but adds copays of up to $20 for office visits and $50 for emergency room visits, and does not cover Part B excess charges. Plan N premiums run $84–$112/mo in Georgia vs. $118–$152/mo for Plan G. If you rarely visit doctors and your providers don't charge excess fees, Plan N can save $300–$500/year.
Can I get Medicare Supplement insurance in Georgia if I'm under 65?
Yes. Georgia law requires Medigap insurers to offer coverage to Medicare beneficiaries under age 65 who qualify due to disability or End-Stage Renal Disease (ESRD). However, premiums for under-65 enrollees are typically 2–3 times higher than standard rates, and not all carriers participate. Contact Georgia SHIP at 1-800-669-8387 for guidance on under-65 options.
When is the best time to enroll in Medigap in Georgia?
The best time is during your 6-month Medigap Open Enrollment Period, which starts the month you turn 65 and are enrolled in Medicare Part B. During this window, no insurer can deny you coverage or charge higher premiums based on health conditions. Enrolling during this period guarantees the lowest possible premiums and full plan availability.
Which Medicare Supplement carriers have the best rates in Atlanta?
For Atlanta-area Plan G rates (65F nonsmoker), the most competitive carriers are Cigna/HealthSpring ($118/mo), NHIC ($120/mo), Bankers Fidelity ($129/mo), and Wellabe ($126/mo). For the best combination of price and quality, Wellabe at $126/mo offers stable rate history with a better complaint record than the cheapest options.
What is Georgia SHIP and how can it help me?
Georgia SHIP (State Health Insurance Assistance Program) is a free, state-funded counseling service that helps Medicare beneficiaries navigate their options. SHIP counselors are unbiased volunteers - they don't sell insurance - and can help you compare Medigap plans, understand your rights, and avoid scams. Call 1-800-669-8387 or visit aging.georgia.gov/georgia-ship to schedule a free consultation.
Find the Best Medigap Rate in Your Georgia ZIP Code
Georgia has a competitive Medigap market with over 30 carriers and Plan G starting at just $118/mo in Atlanta. Enter your ZIP code to see exact rates from all available carriers in your area - and remember, your Open Enrollment Period is the best time to lock in coverage without medical underwriting.