Top Medicare Advantage Plans in Georgia for 2024
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Uncovering the Best Medicare Advantage Plans in Georgia
Are you considering enrolling in a Medicare Advantage plan in Georgia? You're in good company. This year, more than 31 million people enrolled in a private Medicare health plan. Some want lower costs. Some are looking for more benefits. Others need access to more healthcare providers and doctors.
This page is dedicated to assisting you in exploring the highest-rated Medicare Advantage (MA) plans available in Georgia, highlighting the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific geographic region. This information is crucial as the availability of these plans varies by location, and it's essential to identify the options accessible in your area.
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Locating the Best Medicare Advantage Plans in Georgia
Each year, the Centers for Medicare & Medicaid Services (CMS), reviews and rates Georgia's Medicare Advantage plans based on a 5-star scale. The information used to create a plan's star rating comes from member input and data reported by the plan.
Georgia has 5-star Medicare Advantage plans available in 2024. Not all states and locations do. This year, the highest rated Medicare plans available in Georgia come from:
- Kaiser Permanente
- BlueCross BlueShield of Tennessee
- Cigna
- Cigna Healthcare
MedicareWire recommends evaluating plans from these Georgia health insurance companies first. Why? Because more stars mean a better plan. For instance, members may get better care, customer service, and phone support from a 5-star plan than from a 4-star one.
IMPORTANT: Depending on where you live in Georgia, Medicare Advantage plans may have many valuable benefits (as compared to Original Medicare). But, before you choose, it's crucial that you understand the potential disadvantage of Medicare Advantage plans. Compare coverage and costs carefully.
Complete List of Georgia's Providers
Approximately 16 health insurance providers offer Medicare Advantage plans in Georgia, including:
- Aetna Medicare
- Anthem Blue Cross and Blue Shield
- BlueCross BlueShield of Tennessee
- Cigna
- Cigna Healthcare
- Clear Spring Health
- Clover Health
- Humana
- Kaiser Permanente
- Lasso Healthcare
- Sonder Health Plan
- Sonder Health Plan, Inc.
- Sonder Health Plans
- Sonder Health Plans, Inc.
- UnitedHealthcare
- Wellcare
Top Georgia Plans by CMS 5-Star Score
Here's a list of the best Medicare Advantage plans available in Georgia, according to the Centers for Medicare & Medicaid Services:
Top Medicare Advantage Plans in Georgia
| Provider | Plan ID | Plan Name | Premium | Limit | Stars |
|---|---|---|---|---|---|
| Cigna Healthcare | H4513-030 | Cigna Preferred Medicare (HMO) | $0.00 | $6,700 | 5.0 |
| Kaiser Permanente | H1170-010 | Kaiser Permanente Senior Advantage Enhanced 2 (HMO) | $20.00 | $3,900 | 5.0 |
| Kaiser Permanente | H1170-012 | Kaiser Permanente Senior Advantage Basic 2 (HMO) | $0.00 | $5,900 | 5.0 |
| Kaiser Permanente | H1170-002 | Kaiser Permanente Senior Advantage Enhanced 1 (HMO) | $71.00 | $3,900 | 5.0 |
| Kaiser Permanente | H1170-013 | Kaiser Permanente Senior Advantage Care Plus (HMO-POS) | $0.00 | $6,500 | 5.0 |
| Kaiser Permanente | H1170-009 | Kaiser Permanente Senior Advantage Basic 1 (HMO) | $0.00 | $5,900 | 5.0 |
| BlueCross BlueShield of Tennessee | H7917-041 | BlueAdvantage Extra (PPO) | $23.00 | $3,900 | 4.5 |
| BlueCross BlueShield of Tennessee | H7917-040 | BlueAdvantage Sapphire (PPO) | $0.00 | $3,850 | 4.5 |
| Humana | H5216-207 | HumanaChoice H5216-207 (PPO) | $0.00 | $7,550 | 4.5 |
| Humana | H5216-347 | HumanaChoice H5216-347 (PPO) | $0.00 | $7,550 | 4.5 |
| Humana | H5216-280 | HumanaChoice H5216-280 (PPO) | $36.70 | $7,550 | 4.5 |
| Humana | H5216-279 | HumanaChoice H5216-279 (PPO) | $0.00 | $2,900 | 4.5 |
| Humana | H5216-073 | HumanaChoice H5216-073 (PPO) | $43.00 | $6,700 | 4.5 |
| Humana | H5216-239 | Humana Care Extra (PPO) | $0.00 | $7,550 | 4.5 |
| Humana | H5216-142 | HumanaChoice H5216-142 (PPO) | $9.00 | $6,700 | 4.5 |
| Humana | H5216-203 | HumanaChoice H5216-203 (PPO) | $0.00 | $7,550 | 4.5 |
| Humana | H5216-349 | HumanaChoice H5216-349 (PPO) | $0.00 | $3,450 | 4.5 |
| Humana | H5216-345 | HumanaChoice H5216-345 (PPO) | $0.00 | $7,550 | 4.5 |
| Humana | H5216-284 | HumanaChoice H5216-284 (PPO) | $37.30 | $7,550 | 4.5 |
| Humana | H5216-154 | HumanaChoice H5216-154 (PPO) | $0.00 | $7,550 | 4.5 |
| UnitedHealthcare | H1889-013 | UHC Medicare Advantage GA-0002 (PPO) | $0.00 | $6,300 | 4.5 |
| UnitedHealthcare | H1889-021 | AARP Medicare Advantage from UHC GA-0004 (PPO) | $0.00 | $7,550 | 4.5 |
| UnitedHealthcare | H1889-023 | AARP Medicare Advantage from UHC GA-0007 (PPO) | $0.00 | $5,900 | 4.5 |
The top providers listed above do not tell the full story. That's because your Georgia County may or may not have one of the top-rated plans. Unlike Original Medicare, Medicare Advantage plans are regional. Read How Does Medicare Advantage Work to learn more.
Best MA Plans in Georgia by County
Choose your Georgia County below to see the best (and the worst) plans.
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Strategies for Choosing the Optimal Medicare Advantage Plan in Georgia
You may be looking at plans for several different reasons, including turning 65 or the Annual Enrollment Period. Or, perhaps you are navigating a special enrollment event, such as moving to a new area. In all of these cases, there are a few important details you need to consider.
1. Examine Your Projected Utilization Needs
Do you think you’ll take maximum advantage of your benefits (doctors, hospital inpatient care, tests, etc.)? If so, prioritize plans with lower out-of-pocket maximums and lower copayments, even if they have higher monthly premiums. Otherwise, look for plans with low monthly premiums. Just be aware that plans with low or no monthly premiums tend to have higher out-of-pocket maximums and/or higher deductibles.
2. Evaluate Your Prescription Costs
For many seniors, prescription drugs are what drive up their healthcare costs the most. And, because nearly all Georgia Medicare Advantage plans include Part D benefits for your regular prescriptions, you need to make sure the plan you choose covers your drugs at a price you can afford.
3. Understand Your Additional Coverage Requirements
Original Medicare only covers your major medical services, leaving you to pay for dental, vision, hearing, and other healthcare services, or get additional coverage. Fortunately, a growing number of Medicare Advantage plans cover many of the essential services not covered by your Part A and Part B benefits.
4. Review Your Healthcare Network Considerations
Medicare Advantage plans use healthcare provider networks, and not all primary care doctors and specialists accept all plans. For many Georgia shoppers, finding a plan that their doctors accept is exhausting. We can help!
Find Plans in your area with your ZIP Code
Next Steps
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Frequently Asked Questions
Still have questions? These common questions and answers might help.
What is the biggest disadvantage of Medicare Advantage?
Medicare Advantage plans have several potential disadvantages. For instance, most plans require their members to use their network of providers. Also, costs are also largely based on your use of healthcare services, making it more difficult to budget for healthcare costs. And, most plans make members get referrals to see a specialist or prior authorization to receive a service. Read about all five disadvantages of Medicare Advantage plans.
How much does Medicare Advantage cost in Georgia?
The average cost of a Medicare Advantage plan in Georgia is $13.23. But that's just the monthly premium. If you have one or more chronic health conditions, a plan's out-of-pocket costs (e.g. deductibles and copays) are also a factor to consider. Plus, most Medicare Advantage plans include prescription drug benefits, which have their own out-of-pocket costs.
What is every Medicare Advantage plan required to include?
At a minimum, every Medicare Advantage plan sold in Georgia must cover all of the benefits offered in Original Medicare. However, plans are not required to cover healthcare services in the same way. Medicare Part A covers 80% of hospital stays, skilled nursing, home health care, and hospice care. Part B covers 80% of doctor visits, lab tests, and other outpatient services. But, Medicare Advantage plans can set their own copays, and often charge more than 20%. On the positive side, plans must set an annual out-of-pocket limit.
Citations & References
- CMS.gov, 2023 Medicare Part C Landscape Source Files, Last Accessed January 13, 2023
- CMS.gov, "5-STAR PLAN RATINGS", Last Accessed October 22, 2022
- Medicare.gov, "Understanding Medicare Advantage Plans", Last Accessed October 16, 2022
- KFF.org, "An Overview of the Medicare Part D Prescription Drug Benefit", Last Accessed October 19, 2022
- Medicare.gov, "How to join a Medicare Advantage Plan", Last Accessed October 11, 2022
- CMS.gov, Part C and D Performance Data, Last Accessed January 13, 2023
- CMS.gov, Monthly MA Enrollment by State/County/Contract, Last Accessed January 13, 2023
- CMS.gov, Biden-Harris Administration Announces Lower Premiums for Medicare Advantage and Prescription Drug Plans in 2023, Last Accessed September 29, 2022
- CMS.gov, Medicare Marketing Guidelines, Last Accessed February 2, 2023
Plans Offered
Medicare Advantage and Part D plans and benefits offered by the following carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Aspire Health Plan, Dean Health Plan, Devoted Health, GlobalHealth, Health Care Service Corporation, Cigna Healthcare, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Scott and White Health Plan now part of Baylor Scott & White Health, UnitedHealthcare(R), and Wellcare.
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