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Medicare Supplement Plans in Georgia for 2022


Medicare Supplement plans in Georgia help cover the out-of-pocket costs that Original Medicare leaves behind. Medicare Supplement plans (also known as Medigap plans) across the country are standardized meaning that they must provide the same benefits and be accepted by the same physicians regardless of the carrier you enroll with.

Below we break down how Medicare Supplement plans in Georgia work and how you could benefit from enrolling in a plan.

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What do Medicare Supplement Plans in Georgia Cover?

Medicare Supplement plans in Georgia cover the out-of-pocket costs left behind by Medicare Part A and Medicare Part B. This means, Medicare Supplement plans help reduce the costs you will pay when it comes to healthcare services.

There are 12 different Medicare Supplement plans available for you to enroll in. There are 10 standardized plans and two high deductible plans. Each Medicare Supplement plan is identified by a different letter A-N.

When you enroll in a Medicare Supplement plan, each lettered plan provides different benefits to you. Several Medicare Supplement plans cover foreign travel which is not typically covered by Original Medicare. This additional benefit is an important factor for many enrollees when deciding on a plan.

The Best Medicare Supplement Plans in Georgia

The best Medicare Supplement plans in Georgia are Medicare Supplement Plan F, Plan G, and Plan N. Choosing a best Medicare Supplement plan for everyone can be difficult due to the different needs Medicare beneficiaries may have. By choosing our top three plans, we have an option for those who need full coverage, those who want mid-range coverage, and those who are ok with a few more out-of-pocket costs.

Medicare Supplement Plans Comparison Chart 2022

As our choice for best Medicare Supplement plans in Georgia, Medicare Supplement Plan F, Plan G, and Plan N will allow you to visit any doctor or hospital nationwide that accepts Original Medicare. With these plans, you do not require referrals to receive specialist care, and have predictable out-of-pocket costs, making any of these Medicare Supplement plans a great fit if you are on a budget.

Medicare Supplement Plan F vs G vs N Comparison

Among these three best Medicare Supplement plans mentioned, Medicare Supplement Plan F offers the highest level of coverage between the plans. However, it is not available to all Medicare beneficiaries. To be eligible for Medicare Supplement Plan F, you must have received Medicare Part A prior to January 1, 2020. If this is the case, you can still enroll in the plan. If you received Original Medicare after this date, you will not be eligible for Medicare Supplement Plan F.

However, Medicare Supplement Plan F provides the highest level of coverage for those eligible. This plan covers 100% of the costs left behind by Medicare Part A and Medicare Part B. This includes all deductibles, copayments, and coinsurance. The only costs you are responsible for with Medicare Supplement Plan F is the monthly premium.

If you are not eligible for Medicare Supplement Plan F or would like to enroll in a plan with a lower monthly premium, Medicare Supplement Plan G is the best option for you. Plan G covers all the costs that Plan F covers except for the Medicare Part B deductible. Once you meet the annual Part B deductible, Medicare Supplement Plan G will cover all the remaining costs Original Medicare leaves behind for the rest of the calendar year.

Lastly, Medicare Supplement Plan N is the most affordable of the three best Medicare Supplement plans in Georgia. Plan N covers the Medicare Part A deductible and coinsurance in full, and the Medicare Part B coinsurance, leaving you responsible for the Medicare Part B deductible, $20 copayments at the doctor, $50 copayments at the ER, and excess charges when applicable.

By enrolling in any of these three plans, you are setting yourself up for a successful future with low out-of-pocket costs and comprehensive coverage.

How Much do Medicare Supplement Plans in Georgia Cost?

The cost of Medicare Supplement Plans in Georgia varies depending on your location, age, the company and plan you select, and other factors.

For the most part, the state of Georgia requires issue-age ratings for policies; although, insurance companies have the option to choose community ratings. Issue-age rating means that your premium cost does not go up based on your age, and community rating means that your gender does not play a role in determining your premium. For example, if you enroll at 65, you will pay what a 65-year-old is paying as long as you have the plan.

Below is an example of the premium costs between a 65-year-old and 75-year-old of the same gender in the same zip code. You will see that applying earlier will save you premium costs in the long run.

Female, No Tobacco, Georgia ZIP Code 30044
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $135-$446* $164-$621
Medicare Supplement Plan G $111-$299 $137-$427
Medicare Supplement Plan N $86-$222 $103-$339
Male, No Tobacco, Georgia ZIP Code 30044
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $151-$495* $189-$689
Medicare Supplement Plan G $125-$338 $155-$474
Medicare Supplement Plan N $97-$250 $117-$376

* If on Medicare before 65

Keep in mind, your Medicare Supplement plan premium costs in Georgia can change based on several factors. So, just because this is your ZIP Code does not mean this is the price you will pay.

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Are Medicare Excess Charges Allowed in Georgia?

Medicare excess charges are a fee of up to 15% on top of the Medicare approved amount for a service. Just because your physician accepts Medicare does not mean they accept Medicare assignment. By accepting Medicare assignment, your physician agrees to the pay-out cost for services approved by Medicare. So, if your doctor does not accept this, you could be at risk for owing an excess charge.

How to Calculate Your Medicare Part B Excess Charges

Not all states allow Medicare excess charges. However, the state of Georgia does allow physicians to charge these costs if they do not accept Medicare assignment. Keep in mind, the charges are rare even in states that allow them.

To avoid paying Medicare excess charges, be sure to communicate with your doctor before receiving services about whether they accept Medicare Assignment or not.

Are there Medicare Supplement Plans for those Under 65 in Georgia?

If you are under 65, you can buy Medicare Supplement (Medigap) insurance in Georgia. However, there is no guarantee that every Medicare Supplement plan will be available from every carrier. So, your options may be slim. Additionally, the price is typically much higher for those under 65 because claims are generally higher for a person on disability.

Until you turn 65, Medicare Advantage could be the answer to more affordable healthcare. In some areas, Medicare Advantage Special Needs Plans are available for those with chronic conditions such as heart issues or diabetes.

When to enroll in a Medicare Supplement Plan in Georgia?

The best time to enroll in a Medicare Supplement plan is during your Medicare Supplement Open Enrollment Period. At this time, you have 6-months to use guaranteed issue rights when enrolling.

This means that you can enroll in any Medicare Supplement plan you wish without having to answer medical underwriting questions. Keep in mind, certain situations may give you guaranteed issue rights to enroll in any Medicare Supplement plan you wish. These special circumstances allow you to bypass medical underwriting. Some special circumstances include:

  • You are within your trial right period
  • You lose group or employer coverage
  • Your plan coverage ends at no fault to your own
  • You move out of your plans service area

After the Medicare Supplement open enrollment period has concluded, you are still able to apply for a Medicare Supplement plan at any time. But, you may be required to go through medical underwriting. This could result in a denial of your policy due to pre-existing conditions.

Additional Medicare Coverage Options in Georgia

While Medicare Supplement plans in Georgia may bring you the most comprehensive coverage, they are not the only plans available to enroll in. Additional coverage options are available to cover ancillary benefits that are not typically covered by Original Medicare. These benefits can include dental, hearing, vision, and prescription drug.

You can enroll in a Medicare Part D plan with or without a Medicare Supplement plan. However, the two plans work seamlessly with one another. Medicare Part D plans help cover the cost of your prescribed medications.

Once you are enrolled in Medicare Part A, you become eligible for Medicare Part D. Enrolling as soon as you are eligible is vital. If you delay enrollment, you could be subject to paying a Medicare Part D late enrollment penalty.

Medicare Advantage plans are also available for those who do not wish to enroll in Medicare Supplement plans. While Medicare Advantage plans may not provide as comprehensive benefits as Medicare Supplement plans, they do provide additional benefits such as dental, vision, gym memberships, and more.

Local Resources for Medicare Supplement Plans in Georgia

If you find yourself confused about the different Medicare Supplement options available to you in Georgia, there are several resources available to provide you the help you need.

  • MedicareFAQ provides a licensed Medicare agent to advise you in finding the right plan and walking you through the enrollment process
  • Georgia Area Agencies on Aging provides comprehensive benefits to seniors to maintain their health and independence
  • GeorgiaCares SHIP provides Medicare education as well as certified counselors

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How to Apply for Medicare in Georgia

Finding the right Medicare Supplement plan in Georgia is not a difficult task if you have the right team in your corner. At MedicareFAQ, our team of fully licensed agents have the knowledge necessary to help you find the right plan for you needs.

To receive a side-by-side plan comparison of all the top plans and carriers in your area, give us a call at the number above. If you can’t call now, you can complete online rate form to begin your free Medicare Supplement plan comparison today.

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Sources:

MedicareFAQ is dedicated to providing you with authentic and trustworthy Medicare information. We have strict sourcing guidelines and work diligently to serve our readers with accurate and up-to-date content.

  1. Medicare Supplement Plans, GFB. Accessed June 2022.
    https://www.gfb.org/membership/medicaresupplement.cms
  2. MEDICARE SUPPLEMENT INSURANCE, GDOI. Accessed June 2022.
    https://rules.sos.ga.gov/gac/120-2-8

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and MedicareFAQ.com. Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

2 thoughts on “Medicare Supplement Plans in Georgia for 2022

  1. I was prepared to get penile implant surgery, then was told medicare would not cover it, I have Medicare A and B

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