Georgia Medicare Supplement Plans (Medigap)

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Georgia Medicare Supplement Plans provide beneficiaries financial relief from the costs of deductible, coinsurance, and copayment requirements. Original Medicare only covers 80% of costs after you pay applicable deductibles.

A Medicare Supplement plan is a Medigap policy. There are 10 letter plans available and all of them allow beneficiaries to see any Medicare doctor in the nation without a referral.

Georgia Medicare Benefits Explained

Medicare coverage is Part A and Part B. For inpatient services, medical billers will apply claims to Part A. Then, for outpatient services, the billers will apply claims to Part B.

Replacing your Medicare coverage with a Part C Medicare Advantage plan means relying on private insurance companies to approve your claims.

Some Medicare Advantage plans include Part D. Medicare Supplement plans with Part D haven’t been available since 2006, beneficiaries must purchase stand-alone coverage.

Top Medicare Supplement Plans in Georgia

Private insurance carriers across the nation carry the individual Medicare Supplement Plans. Regardless of which company, Plan G benefits are always the same, the premiums will be different.

The top 3 Medigap plans are with Plans F, G, and N. While it’s is on the list, Plan F won’t be available to beneficiaries new to Medicare in 2020.

Plan F is the most comprehensive; this policy will cover every gap in medicare including the deductibles, coinsurance, deductible, and some foreign travel benefits. Plan G covers the same benefits as Plan F with the exception of the Part B deductible; which, the deductible is only $185 for 2019.

Medicare Supplement Plan N could become the policy with the lowest rate increases after all the policy changes in 2020.

Plan N  doesn’t cover the Part B deductible or Part B excess charges. Also, copayment requirements include $20 for doctors and $50 for emergency room visits.

There are no copayment requirements when visiting the Urgent Care Facility. Beneficiaries with hospital admission don’t pay the ER copayment.

Georgia Medicare Supplement Plan Eligibility

Medigap eligibility requires certain criteria to be met by beneficiaries. To be eligible you must be a United States Citizen; or, a permanent legal resident for at least five years in a row.

To be eligible for a Medicare Supplement Plan there are requirements:

  • You must be 65 years of age
  • Must have Original Medicare

The best time to enroll is during your Open Enrollment Period (OEP). This begins when you’re both 65 and Part B is effective; beneficiaries have Guarantee Issue (GI) rights during the OEP.

During the OEP insurance carriers cannot deny you a Medigap policy, increase the premium, or perform medical underwriting. To avoid additional costs, it’s imperative you enroll during this time. 

This is the only time pre-existing conditions won’t count against you. Those that lose creditable coverage could be eligible for GI rights, documentation is necessary to qualify.

Georgia Medicare Supplement Plan Premiums

Each private insurance carrier across the country determines their own premium rates. The different factors taken into consideration for premium cost include your age, sex, and location.

An individual living in Atlanta, GA will have a different premium than an individual living in Cumming, GA. There are 3 different pricing methods the insurance providers use for premium determinations; however, in Georgia, insurers can only use issue and community rating methods.

The state of Georgia prohibits insurers from increasing premiums annually because of age. We offer plans from top insurers nationally.

To better determine your exact premium costs for a Medigap policy, contact one of our brokers for a quote personalization.

How to Enroll for Georgia Medicare Supplement Plans

Of course the best time to purchase Medigap is during your OEP; however, Medicare beneficiaries in Georgia can purchase Medigap anytime. Once you determine the policy and company you want, enrollment is the next step.

Some seniors opt to enroll themselves in coverage; however, almost always you end up paying more than if you were to consult an agent.

Consulting one of our brokers for Medigap enrollment means you have access to all the top carriers, and you have an industry expert leading the way through the Medicare trenches. Also, enrollment is simple and can be done over the phone; so, in the comfort of your own home, you can apply for coverage.

Medigap Eligibility in Georgia for the Disabled under 65

Medicare Supplement Insurance companies in Georgia must sell policies to people under age 65 that receive Medicare. While coverage options are available, there will likely be obstacles to obtaining coverage.

Most beneficiaries under 65 have much higher premiums than people age 65. It’s common for companies to only offer Plan A to beneficiaries under 65; Plan A is the most basic coverage plan available.

Those under 65 may find financial reprieve from a Medicare Advantage plan; then when you turn 65 and become eligible for the OEP, you enroll in Medigap.

Georgia Medicare Advantage Plans

Medicare Advantage eligibility is pretty simple, End-Stange Renal Disease patients will need a Special Needs Plan to qualify for MA coverage.

While premiums are typically cheaper than a Medicare Supplement Plan, Advantage Plans come with policy limitations. Cancellation restrictions and coverage limitations are other common issues.

Premiums range from about $0- $100 depending on the zip code you reside. Some plans include Part D, routine dental, hearing exams, and basic vision coverage.

Medicare Advantage plans in Georgia change every year. During the Annual Enrollment Period (AEP) beneficiaries need to compare plans to ensure doctors, drugs, and costs are suitable.

MA plans work great for people under 65 on disability or those with Medicare and Medicaid. Other beneficiaries will find Medigap coverage offers true peace of mind.

Medicare Prescription Drug Plans in Georgia

Medigap coverage is comprehensive for medical healthcare; unfortunately, Medigap plans don’t include Part D coverage. Medicare beneficiaries that don’t enroll in Part D when first eligible will incur a Part D late enrollment penalty if they don’t have creditable coverage.

Part D costs usually range from $15 up to $110; although, the price can change depending on the service area. You must have Part A to be eligible for Part D enrollment.

The premium cost is only one number when choosing a policy, find one that costs the least amount after factoring in the deductible, copayments, coinsurances, and coverage gap. Our brokers can walk you through Medigap and Part D enrollment over the phone.

Medicare Resources in Georgia

Depending on your income you could qualify for Medicare and Medicaid. The Medicare Savings Program can help cover the costs of deductibles, coinsurances, and copayments.

For limited income people, Extra Help can cover some of the costs associated with Part D.

The State Health Insurance Program (SHIP) is available to beneficiaries and their family members as a free service for assistance. SHIP and CMS newsroom are both great resources to Medicare beneficiaries.

Did Georgia Approve the Medicare Expansion

No, Georgia is one of 15 states that did not approve the expansion of coverage.

Georgia residents on Medicare can obtain health care for less by obtaining Part D and a Medicare Supplement Plan. There are a variety of different plans available and we can make sure you understand the options available.

Give us a call, or use our online rate form to compare rates in your area now.