Best Medicare Supplement Plans in Georgia
A Medicare Supplement insurance plan in Georgia is a type of policy that fills in gaps that Original Medicare misses. Often these plans are called Medigap policies.
A Medigap policy will cover medical expenses like copayments, coinsurance, and deductibles (Medicare Part A Deductible).
These are Georgia's three most popular Medicare Supplement Plan options:
- Mutual of Omaha offers the best Medicare Supplement Plan G rates in Georgia, with a monthly rate of $140.64 per month for the most comprehensive coverage among the 10 plans offered.
- We also found Mutual of Omaha offers the best Medicare Supplement Plan N pricing at $98.56 per month. This plan has the best value for beneficiaries who don’t mind trading certain coverage for significantly lower monthly premiums.
- And for those wanting the lowest possible monthly premium, Aetna’s High Deductible Medigap Plan G is considerably cheaper at $45.15 per month for the same benefits as Medicare Plan G. There is a deductible of $2,700 that needs to be met before this plan will cover costs.
Below is a highlight of the features and benefits of each plan.
Mutual Of Omaha Medicare Supplement Plan G
- Mutual of Omaha's Plan G is among the most expansive plans accessible to beneficiaries in Georgia. It offers coverage for the majority of out-of-pocket expenditures, apart from Medicare Part B's deductible.
Deciding on Plan G comes with significant advantages:
- Provides coverage for Part B excess charges, the Medicare Part A deductible and all of your Part B coinsurance.
- No referrals are required.
- Freedom to visit any medical provider willing to accept Original Medicare.
Monthly Plan Cost: $140.64
*Quotes for a 65 year old non smoking female, zip code 30002.
Mutual Of Omaha Medicare Supplement Plan N
With Mutual Of Omaha Medicare Plan N, you receive reduced premiums compared to those of Medicare Plan F and G — making it a more economical choice.
Plan N offers a variety of advantages, such as:
- Skilled nursing facilities
- $0 Part A deductible
- Foreign travel emergency healthcare
- Maximum $20 copay for office visits
- Maximum $50 copay for an ER visit (waived if admitted)
Out Of Pocket Expenses:
- Must pay Part B deductible
- Must pay Part B excess charges
- Must pay copays for office visits and ER visits
Monthly Plan Cost: $98.56
*Quotes for a 65 year old non smoking female, zip code 30002.
Aetna High-Deductible Plan G
- Once the deductible of $2,700 is met, Aetna High-Deductible Plan G provides you with identical coverage as a standard Plan G.
- Enjoy substantially lower costs than traditional Medicare Supplement Plan G.
Monthly Plan Cost: $45.15
*Quotes for a 65 year old non smoking female, zip code 30002.
Aetna Medicare Supplement Plan F
- If you’re aiming for the most comprehensive coverage, Aetna Medicare Plan F is your best bet. Not only does it cover Part A and B deductibles, but also all coinsurances - affording you absolute peace of mind.
- To gain the advantages of this program, you must have signed up for Original Medicare before January 1st 2020.
Monthly Plan Cost: $164.10
*Quotes for a 65 year old non smoking female, zip code 30002.
How Much Does a Medigap Plan Cost in Georgia?
The best price for Medicare Supplement Plan G in Georgia is $140.64 per month with Mutual Of Omaha.
Your age and plan choice will have the most significant impact on your premium.
Here you can see how the prices compare for several different plans:
Medigap Plan
Plan F
Plan G
Plan N
High Deductible G
Plan A
Plan K
Monthly Cost
$164.10
$140.64
$98.56
$45.15
$115.87
$54.73
Plan Popularity in Georgia
60%
45%
25%
15%
8%
-1%
Quotes are for sample purposes only. Prices are the average monthly rate in Georgia for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.
When can I enroll in a Georgia Medigap plan?
You can apply with a Medicare insurance company during the Medigap open enrollment period. During this period you can compare and review plan options and pricing from the insurer.
65 or older – Enroll in Part B and then you can have a Medicare Supplement insurance plan in Georgia. Part B cannot be changed or repeated.
Turning 65 – Medicare beneficiaries will have an effective date of enrollment on the first day of the month they turn 65. From this point, a six-month enrollment period will begin. To note, Part B is needed for enrollment.
Under 65 – Eligibility is reduced and a policy will typically cost more. Not all states, but some, must sell Medigap policies for anyone under 65.
Frequently asked questions:
When can I change Medigap plans in Georgia?
You can switch at any time, but it is best to switch plans inside the Open Enrollment Period. Outside of this period, the insurance carrier may review your medical records and take into account your health condition. You could face higher monthly premiums or be refused coverage.
Can I be denied Medigap insurance coverage?
Guaranteed issue rights will help to keep you from being denied. This is especially helpful if you have pre-existing conditions. Guaranteed issue rights include switching from a Part C plan to a Medigap plan, moving away from your current service area, you had your Medicare Supplement plan less than 6 months, etc. To learn more about guaranteed issue rights, you can speak with a Policy Guide licensed insurance agent.
Ready to learn more?
We work with most of the nation's top-rated Medigap carriers. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.
For over 15 years, Matt Kiggins has been the senior editor at Senior Life Insurance Plans, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.
Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).
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