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Medicare Supplement Plans (Medigap) in Georgia

A Medicare Supplement plan (also known as a Medigap plan) is designed to help Medicare beneficiaries in Georgia and the rest of the United States pay for health-care costs associated with Original Medicare, Part A and Part B, including copayments, coinsurance, deductibles, and other out-of-pocket expenses. Medicare beneficiaries in Georgia may have various Medicare Supplement plan options, depending on the zip code in which they live. Understand what Medigap in Georgia covers, and get help choosing a plan that fits your health and budget requirements.

How Medigap plans work in Georgia

In the vast majority of US states, there are 10 standardized Medigap plans available, each of which is identified by one of 10 letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter offering the same benefits. Only three states (Massachusetts, Minnesota, and Wisconsin) offer different kinds of Medigap plans.

In order to sign up for Medigap in Georgia, you must already be enrolled in Original Medicare, Part A and Part B. It's a good idea to join Medigap during your Medigap Open Enrollment Period, which starts the first day you are both age 65 or older and enrolled in Medicare Part B. This enrollment period lasts for six months. During this time frame, you can sign up for any Medicare Supplement plan available in your area, with the insurance company of your choosing, and not be subject to restrictions for pre-existing conditions or medical underwriting. There are generally no additional enrollment periods besides your Medigap Open Enrollment Period, so if you decide to join Medigap in Georgia at another time, you may be denied coverage or charged more for an insurance policy.

It's important for you to understand that Medigap plans are meant to supplement rather than replace Original Medicare, so you have to remain enrolled in Original Medicare, Part A and Part B, and go on paying your Medicare Part B premium, in order to retain your health insurance coverage. Also know that if you want to receive prescription drug coverage, you may want to enroll in a stand-alone Medicare Part D Prescription Drug Plan. Medigap plans in Georgia, like those in the rest of the United States, do not offer coverage for prescription drugs.

Types of Medigap plans in Georgia

It's a smart idea to familiarize yourself with the 10 standardized Medigap plans prior to making your selection. Here's a look at the Medigap plans available in Georgia:

2014 Medicare Supplement Plans
Medicare Supplement Benefits A B C D F* G K L M N
Medicare Part A co-insurance hospital costs up to an additional 365 days after Medicare benefits are exhausted X X X X X X X X X X
Medicare Part B copayment or co-insurance coverage X X X X X X 50% 75% X X
First 3 pints of blood X X X X X X 50% 75% X X
Part A hospice care co-insurance or copayment X X X X X X 50% 75% X X
Skilled Nursing Facility care co-insurance X X X X 50% 75% X X
Medicare Part A deductible X X X X X 50% 75% 50% X
Medicare Part B deductible     X   X          
Medicare Part B 'excess charges'         X X        
Foreign travel emergency coverage (up to plan limits)     80% 80% 80% 80%     80% 80%
Medicare preventative care Part B co-insurance X X X X X X X X X X
              Out-Of-pocket limits apply    
             

Medigap plans in Georgia also have the following features:

Choosing a suitable Medigap plan in Georgia

Medicare Supplement plans in Georgia with the same letter designation don't vary in coverage or benefits, as explained earlier. However, each independent insurance company that offers Medicare Supplement plans can determine its own monthly premium structure. This means that a resident of Atlanta in Fulton County may pay more or less than a resident of Savannah in Chatham County for an identical Medicare Supplement plan, so it may be a good idea to compare all Medicare Supplement plans available in your area, and then select a Medigap plan in Georgia based on your personal needs.

Get more information about Medicare in Georgia by accessing the following resources:

With all the Medigap plan options available in Georgia, it may be a good idea to get help choosing the plan that works best for your needs. You can:

Medicare has neither reviewed nor endorsed this information.

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