Medicare Plans of Georgia, your trusted resource for GA Medigap rates. We provide you the tools you need to compare plans and rates from top Georgia Medicare supplement plan carriers. Medigap plans give you supplemental coverage to fill in gaps from Original Medicare. These supplement plans help your cover out-of-pocket expenses.
Instant GA Medigap quotes. Click on image below to SHOP and COMPARE. Up to 40 Medicare supplement plans in 60 seconds or less.
Medicare does not cover everything. Original Medicare alone means YOU are required to pay any or all of the following:
- Medicare excess charges
If you are considered low income you can get help with such out-of-pocket expenses through Medicaid or the Medicare Extra Help programs.
For everyone else Medicare Supplement plans are available through insurance carriers.
Medicare Supplement Plans
Medigap supplements traditional Medicare Part A and B programs by covering many of these out-of-pocket costs. Medicare Supplement plans are offered by private health insurance companies and regulated by the federal and state governments.
- Medicare supplement plans are standardized and assigned a letter corresponding to the federally mandated benefit levels
- Medigap plans range from plan A to plan N. Medicare supplement plan F is the most comprehensive
- Some Medigap plans cover out of country medical charges
- All Medigap plans offered in Georgia are approved and regulated by the state Department of Insurance
- All Medicare supplement plans with the same letter (F for example) are identical in every way except premium.
Required Medigap Benefits
All Medicare Supplement plans must offer a basic set of coverage:
- Coinsurance on hospital stay with Medicare Part A. All Medicare Supplement plans cover the coinsurance on hospital costs, up to an additional 365 days after Medicare hospital benefits have run out.
- Copayment or coinsurance on Medicare Part B. Medigap plans cover 50 to 100 percent of copayment and coinsurance requirements on Medicare Part B.
- Copayment or coinsurance on Medicare Part A hospice care.Medigap plans cover 50 to 100 percent of copayment and coinsurance requirements on Medicare Part A hospice care expenses.
- Blood. Most hospitals get their blood at no cost from subsidized blood banks. However, if a hospital has to purchase additional blood for you, it will charge you for that blood. Medigap plans cover up to 100 percent of the cost for the first three pints of blood.
Additional Medigap Benefits Available
In addition to the required benefits listed above, the various Medicare Supplement plans available offer some or all of the following benefits:
- Skill Nursing Facility Care Coinsurance
- Medicare Part A Deductible
- Medicare Part B Deductible
- Medicare Part B Excess Charges
- Foreign Travel Emergency (up to plan limits)
What You Need to Know When Comparing Medigap Plans
When you are shopping for Medicare Supplement plans, keep this in mind:
- You Only Need One. You don’t need more than one Medigap policy. You probably won’t need add-on policies for cancer or heart attack. And you don’t need a Medicare supplement plan AND a Medicare Advantage plan.
- Your Medicare Part B Premium. You must have both Medicare Parts A and B to qualify for a Medigap policy. In addition to your Medicare Part B premium you will also be required to pay a premium for your Medigap coverage.
- When can you enroll in a Medicare supplement plan? Your INITIAL enrollment period is generally the 6 months that starts on the first day of the month in which you are at least 65 years old and enrolled in Medicare Part B. During this time a Medigap carrier cannot refuse to sell you a plan, neither can they charge you an extra premium due to your health. In Georgia, if you buy Medicare supplement plan F or G the carrier cannot impose a waiting period for any pre-existing medical conditions. After this open enrollment period, you may still apply for Medigap coverage, but the insurance company can refuse to cover you because of medical conditions unless you are in one of the guaranteed issue periods for Medicare supplement plans.
- Medicare Part D. Regular Medicare, and your Medigap plan, does not cover any outpatient prescription drugs. You should consider purchasing a separate drug plan through an approved drug plan carrier.
Use our Medicare supplement plan quoting tool to review available plans in your area. Your information is never sold to other agents. When you provide a valid email address and contact information we will send you a customized quote illustrating plans and rates not available anywhere else.