As a Medicare beneficiary living in the state of Georgia, you may have the option to join Medicare Advantage (Medicare Part C), which is private insurance. Medicare Advantage allows you to receive your Medicare benefits through an individual health plan rather than through Original Medicare, Part A and Part B. Additional benefits under Medicare Advantage depends on the Georgia zip code in which you live and on the Medicare Advantage plan you select.
Medicare Advantage in Georgia and the rest of the United States is required by the government to offer at least the same hospitalization and medical benefits as Original Medicare, Part A and Part B. Some Medicare Advantage plans in Georgia may also offer additional benefits, like vision, hearing, and dental, and some plans even offer prescription drug coverage as well.
To join Medicare Advantage in Georgia, you must already be enrolled or be eligible to enroll in Original Medicare, Part A and Part B. In Georgia, just like in other states, you can first join Original Medicare during your Initial Enrollment Period, which begins three months before you turn 65, includes your birthday month, and ends three months after that month. It's important that you join Medicare during your Initial Enrollment Period, because if you don't, you may subject to a late-enrollment penalty for as long as you remain enrolled in Medicare. You can still join Original Medicare later, during the annual General Enrollment Period, which runs from January 1 to March 31, but be aware that you would still have to pay the penalty fee for late enrollment.
If you're already enrolled in a Medicare Advantage plan in Georgia and decide to switch to another Medicare Advantage plan, you're allowed to do so during the Annual Election Period, , also referred to as the fall Open Enrollment Period, which runs from October 15 to December 7. Your new coverage goes into effect on January 1 of the following year. You may also be allowed to switch Medicare Advantage plans in Georgia during Special Enrollment Periods, if you go through certain life-changing events, like losing your current coverage or moving to a new address where your old plan may not be available. Special Enrollment Periods in Georgia vary according to the health plan you choose and the reason you want to switch plans.
You are also allowed to leave Medicare Advantage and switch back to Original Medicare, Part A and Part B, during the Medicare Advantage Disenrollment Period, which in Georgia runs from January 1 to February 14 each year.
Medicare Advantage plans in Georgia vary, so it's important for you to become familiar with the different plans available before making your selection. Medicare Advantage in Georgia generally includes the following types of plans:
As a Medicare beneficiary in Georgia, you may find it useful to compare all Medicare Advantage plans available in your area.
The availability and cost of Medicare Advantage plans generally varies depending on your state and county of residence. It's common for premiums of a Medicare Advantage plan with the same coverage and benefits to vary between different counties within the state of Georgia. You may find that some Medicare Advantage plans in Georgia offer premiums as low as $0; but always keep in mind that you must continue paying your Medicare Part B premiums, no matter which Medicare Advantage plan you choose, in order to keep your Medicare insurance coverage.
Some Medicare Advantage plans may offer additional benefits beyond what is included in Original Medicare, Part A and Part B, so you will need to determine exactly what kind of coverage you may require, plus whether or not you want prescription drug coverage with your Medicare Advantage policy through a Medicare Advantage Prescription Drug plan. With all these options available in Georgia, you can see why it can be smart to compare plans that offer the benefits and costs best suited to your personal health needs.
To start comparing Medicare Advantage plans in Georgia today, enter your zip code above for a customized list of plans available in your area. You can also enter your prescription drug needs to further customize your search and cost estimates.
To learn more about Medicare insurance in Georgia, you can access the following resources:
To get help choosing the Medicare Advantage plan in Georgia that works best for your health needs, you can:
Medicare has neither reviewed nor endorsed this information.