Compare the Best Medigap Plans in Georgia for 2025
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If you’re a Georgia resident with Original Medicare, boosting your Part A and B coverage is easy with one of the best Medigap plans in Georgia. With ten plan options available to help minimize your out-of-pocket costs, selecting the right plan for your healthcare and budget needs is simpler than ever.
On this page, you'll find the leading Georgia Medicare Supplement and insurance companies for 2025.
Top 3 Best Medigap Plans in Georgia for Comprehensive Coverage
Among the ten standardized Medigap plans, Plans F, G, and N are consistently the top choices for Medicare enrollees in Georgia. These Medicare Supplement plans offer varying levels of coverage that help reduce out-of-pocket healthcare expenses. If you're seeking maximum coverage, Plan F may be ideal, while Plan G offers strong coverage with lower premiums. To compare affordable options, explore Plan N vs. Plan G.
Below is a detailed breakdown of what makes them the most popular plans, along with key benefits and top providers in Georgia.
Medigap Plan F in Georgia
Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.
Required Benefits of Plan F in Georgia
Medigap Plan G in Georgia
Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.
Required Benefits of Plan G in Georgia
Medigap Plan N in Georgia
Plan N is a top choice for those who want comprehensive coverage (excluding excess charges) without the higher premiums of other plans. Though it involves small copayments for office visits and emergency care, it offers significant savings on monthly premiums. Discover the benefits and drawbacks of Plan N.
Required Benefits of Plan N in Georgia
Average Costs for Medigap Plans in Georgia
Plan premiums in Georgia can fluctuate depending on several factors, such as the plan you choose, your age, gender, and tobacco usage. Below is a breakdown of the average monthly premiums for the most popular supplemental plans in Georgia:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
What Affects the Cost of Medigap Plans in Georgia?
The price of Medicare Supplements in Georgia can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in Georgia can impact your premium due to regional cost differences.
Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.
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Compare All Medicare Supplement Plans in Georgia
If you want to see how all Medicare Supplement Insurance plans sold in Georgia stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Georgia and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Georgia
Enrolling in a Medigap plan in Georgia requires understanding the specific enrollment periods that determine when you’re eligible. The timing of your enrollment can affect the plans available to you and how much you pay. Here are the key enrollment periods to keep in mind:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month period surrounds your 65th birthday, beginning three months before, including your birthday month, and ending three months after. You can enroll in any Medigap plan during this time without concerns about pre-existing conditions. Read more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): The Medigap open enrollment period lasts for six months starting when you’re both 65 and enrolled in Medicare Part B. During this time, you can choose any Medigap plan without needing medical underwriting. Learn more about the Medigap Open Enrollment Period or check out key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Specific life events, such as losing employer health insurance, may trigger a Special Enrollment Period, allowing you to enroll in a Medigap plan outside of the usual periods. Find out more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
If you're ready to get Medicare Supplement coverage, here are the steps to get started:
- Review Your Options: Take a look at the Medigap plans available in Georgia and find the one that fits your healthcare needs and budget.
- Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
- Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.
For more details on Medigap enrollment, visit our Medigap Enrollment Guide.
Common Questions About Medigap Plans in Georgia
What’s the difference between Medigap and Medicare Advantage?
Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.
Is it possible to switch Medigap plans?
Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.
Do Medigap plans cover medications?
No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.
What out-of-pocket expenses should I expect with Medigap?
You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023