Best 2024 Medicare Advantage Plans in Georgia
Find Plans in your area with your ZIP Code
Uncovering the Best Medicare Advantage Plans in Georgia
If you live in Georgia and you're thinking about enrolling in a Medicare Advantage plan, you're not alone. This year nearly half of all people with Medicare will join a Medicare Advantage plan because they want lower costs, more benefits, and access to more doctors and other healthcare providers.
On this webpage, we aim to assist you in uncovering the highest-rated Medicare Advantage (MA) plans available in Georgia, identifying the insurance providers that offer these plans, and providing guidance on locating suitable plans within your specific County. This is important because not all plans are available in all areas.
Table of Contents
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
Comparing the Leading 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
We recommend evaluating the health plans from these Georgia health insurance companies ahead of all others. Here's why. Simply put, more stars generally mean members will get better results. Members might get better service, phone support, and care from a 5-star than they would from a four-star plan.
CRUCIAL: Benefits are not the same throughout Georgia. That's why it is essential that you fully understand the advantages and disadvantages of Medicare Advantage plans.
Complete List of Georgia's Plan 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 are the top-ranked Medicare Advantage plans 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 |
Interested in joining a plan from one of the top-rated providers? That has a lot to do with your Georgia County. Medicare Advantage plans are regional, and you can't join a plan that isn't in your area.
Best MA Plans in Georgia by County
Choose your Georgia County below to see the best (and the worst) plans.
For fast, friendly assistance call 1-855-728-0510 (TTY 711) .
Find Your Perfect Fit: How to Pick the Best 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
Utilization is what determines your overall cost. Healthy individuals use fewer healthcare services. These people can save money by evaluating plans with low monthly premiums. Be aware that these plans often have higher copayments and a higher maximum out-of-pocket limit.
The opposite is true if you have one or more health conditions and frequently use healthcare services, especially hospital inpatient care. In this case, plans with higher monthly premiums, low copayments, and low maximum out-of-pocket limits will help you save money.
2. Examine Your Prescription Medication Expenses
Prescription drugs, not doctors, are what many seniors blame for driving up their healthcare costs. Part D prescription benefits are included with most Georgia Medicare Advantage plans. It would be best if you made sure that the plan you choose covers your drugs at a price you can afford.
3. Consider Your Needs for Additional Coverage
Original Medicare doesn't cover all costs related to health care. It covers major medical expenses and preventative care services, however, it doesn't cover prescriptions, vision, hearing, or dental. Many of the essential services your Part A or Part B benefits don't cover are covered by Medicare Advantage plans.
4. Consider Your Healthcare Providers
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
Call 1-855-728-0510 (TTY 711) for assistance. There's no obligation.
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 do Medicare Advantage plans cost in Georgia?
On average, the cost of a Medicare Advantage plan in Georgia is $13.23 (based on 2024 rates). That's just the cost of the monthly premium to be in the plan. If you have chronic health conditions, the plan's out-of-pocket costs, including copays and deductibles, should also be considered. Additionally, Medicare Advantage plans often include Part D prescription drug benefits that have out-of-pocket costs at the pharmacy.
What is every Medicare Advantage plan required to include?
All Medicare Advantage plans offered in Georgia must cover all of the Original Medicare benefits. But, private Medicare plans are not required to provide healthcare services similarly. For instance, Medicare Part A covers 80% of hospital stays, skilled nursing, home care, hospice care, and home health care. And Part B covers 80% of doctor visits, lab tests, and other outpatient services. However, Medicare Advantage plans are allowed to set their own copays and routinely charge more than 20%. That said, they do have an annual limit, whereas Original Medicare doesn't.
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, "Medicare Advantage in 2023: Enrollment Update and Key Trends", Last Accessed September 5, 2023
- 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.
For Researchers
Next State of Best Medicare Advantage Plans:
Previous State of Best Medicare Advantage Plans: