Best Medicare Supplement Plans in Georgia

Written by: 
Matt Kiggins
Last updated: 
Apr 8, 2024

A Medicare Supplement insurance plan in Georgia is a type of policy designed to fill in expense gaps that Original Medicare does not cover. There are ten Medicare Supplement plans available to Medicare beneficiaries.

  • Of the ten plans offered in 2024, we found Aetna offers the best Medicare Supplement Plan G rates in Georgia, with a monthly premium of $139 for the most comprehensive coverage.
  • We also found Aetna offers the best Medicare Supplement Plan N rates at $91 per month. This plan has the best value for beneficiaries who don’t mind trading certain coverage for significantly lower monthly premiums.
  • And for those wanting the lowest possible monthly premium, Aetna’s High Deductible Medigap Plan G is considerably cheaper at $39 per month for the same benefits as Medicare Plan G. There is a deductible of $2,700 that needs to be met before this plan will cover costs.

Below is a highlight of the features and benefits of each plan.

Best Plan G:

Aetna Medicare Supplement Plan G

  • Aetna's Medicare Supplement plan G is among the most expansive plans accessible to beneficiaries in Georgia. It offers coverage for the majority of out-of-pocket expenditures, apart from Medicare Part B's deductible.


Deciding on Plan G comes with significant advantages:

  • Provides coverage for Part B excess charges, the Medicare Part A deductible and all of your Part B coinsurance.
  • No referrals are required.
  • Freedom to visit any medical provider willing to accept Original Medicare.

Monthly Plan Cost: $139

*Quotes for a 65 year old non smoking female, zip code 30002.

Best Plan N:

Aetna Medicare Supplement Plan N

With Aetna Medicare Plan N, you receive reduced premiums compared to those of Medicare Plan F and G — making it a more economical choice.

Plan N offers a variety of advantages, such as:

  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Out Of Pocket Expenses:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits

Monthly Plan Cost: $91

*Quotes for a 65 year old non smoking female, zip code 30002.

Best High Deductible Plan G:

Aetna High-Deductible Plan G

  • Once the deductible of $2,700 is met, Aetna High-Deductible Plan G provides you with identical coverage as a standard Plan G.
  • Enjoy substantially lower costs than traditional Medicare Supplement Plan G.

Monthly Plan Cost: $39

*Quotes for a 65 year old non smoking female, zip code 30002.

Best Full Coverage

Cigna Medicare Supplement Plan F

  • If you’re aiming for the most comprehensive coverage, Cigna Medicare Plan F is your best bet. Not only does it cover Part A and B deductibles, but also all coinsurances - affording you absolute peace of mind.
  • To gain the advantages of this program, you must have signed up for Original Medicare before January 1st 2020.

Monthly Plan Cost: $161

*Quotes for a 65 year old non smoking female, zip code 30002.

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What's the Best Medicare Supplement Company in Georgia?

Based on our review of several key factors, Aetna is the best Medicare Supplement company in Georgia.

While Aetna Medigap plans tend to be more affordable in Georgia, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage.

For this reason, Aetna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Aetna that are also available in Georgia, including sample premiums, ratings, and market share:

Cigna

Market share: 1.63%

Plan G cost: $144

Plan N cost: $101

Financial strength: A

Mutual of Omaha

Market share: 14.99%

Plan G cost: $153

Plan N cost: $101

Financial strength: A+

Aetna

Market share: 7.90%

Plan G cost: $139

Plan N cost: $91

Financial strength: A

United Healthcare

Market share: 19.99%

Plan G cost: $126

Plan N cost: $112

Financial strength: A

How Much Does a Medigap Plan Cost in Georgia?

The best price for Medicare Supplement Plan G in Georgia is $139 per month with Aetna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

Medigap Plan

Plan F

Plan G

Plan N

High Deductible G

Plan A

Plan K

Monthly Cost

$161

$139

$91

$39

$112

$59

Plan Popularity in Georgia

60%

45%

25%

15%

8%

-1%

Quotes are for sample purposes only. Prices are the average monthly rate in Georgia for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

When Can I Enroll in a Medigap Plan?

You can apply with a Medicare insurance company during the Medigap Open Enrollment Period. This period cannot be changed or repeated; it starts the month you have Medicare Part B coverage and turn 65. During this period, you can compare and review plan options and pricing from the insurer.

65 or older – Enroll in Part B, and then you can have a Medicare Supplement insurance plan in Georgia. Part B cannot be changed or repeated.

Turning 65 – Medicare beneficiaries will have an effective date of enrollment on the first day of the month they turn 65. From this point, a six-month enrollment period will begin. To note, Part B is needed for enrollment.

Under 65 – Eligibility is reduced, and a policy typically costs more. In addition, not all states, but some, must sell Medigap policies to people under 65 with a disability or end-stage renal disease (ESRD).

Special Enrollment - some beneficiaries qualify for a special enrollment period outside of their initial one. This usually happens if group coverage through an employer is lost or the beneficiary moves out of their Medigap plan's coverage area.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with some of the nation's top-rated Medigap carriers. So give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state.

FAQ

Aetna and Cigna are two of the most popular options and offer a range of plans with different levels of coverage and deductibles to fit your needs.

The premiums for Medicare Supplement plans in Georgia range from $39 - $200. However, the cost of Medicare Supplement plans in Georgia can vary greatly depending on several factors like the plan and insurer.

The average monthly premium for Medigap Plan G is $139 - $232 per month; the cost of this plan varies depending on several factors, such as the state you live in and your current age.

You can switch anytime, but the insurance carrier may review your medical records and consider your health condition if you do not qualify for guaranteed issue rights. As a result, you could face higher monthly premiums or be refused coverage.

Yes, you can be denied coverage or charged a higher premium for a Medicare Supplement insurance policy based on your health history if you are: outside of an enrollment period and do not qualify for guaranteed issue rights.

Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com

For over 15 years, Matt Kiggins has been the senior editor at Simple Advisor, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

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Matt Kiggins
Matt Kiggins
Senior Editor
SimpleAdvisor.com
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Please note that the average quotes provided are for demonstration purposes only. Your actual premiums will be determined based on several factors such as your health conditions, age, location, tobacco status, gender, and insurance provider.

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