Medicare Advantage in Georgia

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Georgia state

Information about Medicare Advantage Plans in Georgia

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There are 110 different Georgia Medicare Advantage (Medicare Part C) plans in 2022.1 Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Georgia. Read below to learn more about Medicare in your state.

Average costs of Medicare Advantage in Georgia

2022 Georgia Medicare Advantage plans have an average premium of $48.91 per month, though you may be able to find $0 premium plans where you live.

  • Average in-network out-of-pocket spending limit: $6,462.07
  • Average drug deductible for Medicare Advantage Prescription Drug plans (weighted): $271.472

The premiums, deductibles and out-of-pocket costs of individual plans may vary greatly depending on where you live and the plan you have.

You can view the average 2022 Georgia Medicare Advantage plan monthly premiums by county listed below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Georgia Medicare Advantage plan costs

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Medicare Eligibility & Enrollment

If you want to enroll in a Georgia Medicare Advantage plan, you must first be eligible for and enroll in Medicare Part A and Part B, often referred to together as Original Medicare.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

  • You must be a United States citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You (or your spouse) must be eligible for Social Security or Railroad Retirement benefits.

  • You (or your spouse) must be government employees or retirees who have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may be able to enroll in a Medicare Advantage plan or a Georgia Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Georgia

The first time you can typically enroll in a Georgia Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Initial Enrollment Period starts three months before your 65th birthday. It includes the month of your 65th birthday and then continues for another three months after your birthday.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're enrolled in a Medicare Advantage plan, from January 1 to March 31 every year, you can typically switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you also have the opportunity to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

Medicare AEP lasts from October 15 to December 7 every year. During this period, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During AEP, you typically can also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year, depending on your personal circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find $0 premium Georgia Medicare Advantage plans

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in Georgia 2022

Each year, the Centers for Medicare & Medicaid Services (CMS) issues star ratings for every Medicare Advantage plan in the nation using a system of one to five stars.3

In order for a Medicare Advantage plan to be designated as a top-rated plan, it must have four or more stars out of five stars.

25.6% of 2022 Medicare Advantage plans in Georgia are rated four stars or higher.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

List of Medicare Advantage Plans Available in Georgia in 2022

To view a list of plans offered in your area within Georgia, use our plan comparison tool.

Find $0 premium Georgia Medicare Advantage plans

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer Medicare Advantage plans in Georgia

A number of insurance carriers may offer Medicare Advantage plans in Georgia. The insurance companies who provide plans in your area may vary.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

Georgia Medicare Advantage plans by county

Learn more about Medicare Advantage plans in some of the most populous counties in Georgia.

GA Medicare Advantage plans by plan type

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) are able to see providers outside of their plan’s network, often at a higher cost.

    Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and  other specific characteristics.

    Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2022 Georgia Medicare Advantage plans that are available where you live.

Local health insurance resources in Georgia

  • GeorgiaCares 
    GeorgiaCares is a program made up of volunteers who provide free assistance and information to Georgia’s Medicare beneficiaries and their caregivers.

    The program is part of the national State Health Insurance Assistance Program (SHIP) and can be reached at 
    1-800-552-4464 (Option 4)

  • Georgia Prescription Drug Assistance Programs
    The state of Georgia has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

 

1 Freed M. et al. (Nov. 2, 2021). Medicare Advantage 2022 Spotlight: First Look. Kaiser Family Foundation. Retrieved from www.kff.org/issue-brief/medicare-advantage-2022-spotlight-first-look.

2 MedicareAdvantage.com's The Best States for Medicare report.

3 Medicare evaluates plans based on a 5-star rating system.