What Do I Need to Know about Medicare Supplement Insurance Plans in Georgia?

Georgia Bulldog fans are born knowing the gap between football season and the rest of the year. However, there’s another gap worth exploring: the one between what’s covered by Medicare Parts A and B and what is not. This includes important costs such as copayments, coinsurance and deductibles. Luckily, Medicare Supplement Insurance plans, also known as Medigap, can assist with these out-of-pocket costs. Medigap Supplement Insurance plans are available from private insurance companies throughout the state of Georgia.

In 2023, Georgians have 10 Medigap or Medicare Supplement Insurance plans from which to choose. These include basic benefits from Plans A, B, D, G, K, L, M and N. Medigap Plans C, E, F, H, I and J are no longer available to those who are newly eligible to Medicare, but those already enrolled in these plans are grandfathered in.

As of January 1, 2020, Medicare Supplement Insurance plans no longer sell Medigap Plans C or F to newly eligible Medicare members. Anyone enrolled in a Medigap Plan C or F on or before December 31, 2019 has been grandfathered in and will be able to continue to use their plan as long as their premiums are paid.

Georgia residents looking for the most popular Medicare Supplement Insurance plans should first look at their specific coverage needs to determine what type of Medigap plan they may need.

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Most Popular Medicare Supplement Insurance Plans in Georgia

Government-approved Medicare Supplement Insurance plans help protect consumers in most states, including Georgia. The statistics you see below show the most popular Medigap options selected by Georgia residents. The insurance companies offering Medigap plans offer the same basic benefits, but those plans may come at different prices and each insurer in Georgia may not offer each of the available Medigap Supplement Plans.

As reported by America’s Health Insurance Plans (AHIP), 537,176 Georgia beneficiaries had Medigap coverage in 2021. Below is the breakdown of the number of Georgia enrollees by Medigap plan type.

Plan	A	B	C	D	E	F	G	H	I	J	K	L	M	N
Enrollment #	1,435	1,545	8,421	1,558	4,079	159,280	313,123	53	796	7,250	1,431	609	8	36,592

Source: AHIP (2021)

While a Medigap policy will help pay for things like copayments, coinsurance and deductibles not covered by Medicare Parts A and B, it is important to note that your Georgia Medicare Supplement Insurance plan will not cover benefits for prescription drugs. However, you can buy an additional Medicare Prescription Drug plan to cover prescription drug costs or consider a Georgia Medicare Advantage plan.

Learn more about your Medicare Supplement Insurance plan options in Georgia by working with a SelectQuote licensed insurance agent. Acting as your advocate, our licensed insurance agents can guide you through the Medicare maze to better understand Medigap plan options and answer any questions you may have throughout the process. SelectQuote individually shops more than 20 national insurance companies to help you compare Medicare Supplement Insurance plans in Georgia.

Georgia residents cannot be enrolled in a Medicare Supplement (Medigap) Insurance plan and a Medicare Advantage Plan at the same time. A Medigap Plan cannot be used to pay for any expenses for a Medicare Advantage plan.

Georgia Medicare Supplement Plan Enrollment Period

Initial enrollment timeframes are very important. Enrollment for Medicare Supplement Insurance plans in Georgia begins the first day of the month you turn at least 65 years old. You also must be enrolled in both Medicare Parts A and B in order to get a Medigap plan.

Georgia residents have a six-month period surrounding their birth month to buy a Medicare Supplement Insurance plan. Georgia residents under the age of 65 can check with the Social Security Administration office for additional enrollment periods.

The best time to enroll in a Medicare Supplement Insurance plan is during the initial six months you are eligible for Medicare. During this important six-month period, companies that offer Medicare Supplement Insurance plans cannot use underwriting. It’s a good idea for Georgians to enroll as soon as they are eligible, which can be as early as 64 and 6 months of age. If you apply for Medicare Supplement Insurance outside of this six-month timeframe, you’ll be subject to a physical exam. Applying for Medigap coverage after the first six months of eligibility means a company can refuse to sell you a plan or may adjust your premiums depending on your current health status and pre-existing health conditions.

Is a Georgia Medicare Supplement Insurance Plan Right for You?

Working with a SelectQuote licensed insurance agent means you don’t have to go it alone. SelectQuote can help ensure you are getting all the benefits available to you while staying up to date with annual changes to Medicare plans made by insurance companies. As a trusted independent third-party company specializing in helping consumers understand their Medicare Insurance options, SelectQuote is here to help Georgia residents find the right Medicare Supplement Insurance plan to meet their needs.

To ensure you are getting all the benefits you need, call or complete your online form today. Let SelectQuote’s experienced licensed insurance agents simplify the Medicare enrollment process by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.