Georgia Medicare Supplement Plans

  1. List of Carriers
  • CSI Life
  • State Mutual
  • Anthem
  • United American
  • Western United
  • New Era
  • AARP – United Healthcare
  • Transamerica
  • Lumico
  • National Health Insurance Company
  • Humana
  • Omaha
  • Cigna 
  1. List of Towns/Cities (10 – 20)
  1. Atlanta
  2. Columbus
  3. Savannah
  4. Sandy Springs
  5. Roswell
  6. Johns Creek
  7. Albany
  8. Warner Robins
  9. Alpharetta
  10. Marietta
  11. Valdosta
  12. Smyrna
  13. Brookhaven
  14. Dunwoody
  15. Peachtree Corners
  1. Top Medigap Plans (Plan Types/Letters, Carriers)
  • Medigap Plan A

When purchasing a Medicare supplement plan, you will always be provided the option of the basic Medigap Plan A. 

Now, even though every Medigap provider has a Medigap Plan A to offer, only some are considered more popular than all the rest.

Below, you can see some of the companies providing Plan A with the lowest costs and highest recommendations in Georgia:

  1. CSI Life Insurance Company – $98 per month w/ $25 policy fee.
  2. Transamerica Life Insurance Company – $98.85 per month.
  3. Globe Life and Accident Insurance Company – $102.50 per month.
  4. Humana Insurance Company – $105.08 per month.
  5. Western United Life Assurance Company – $106.42 per month w/ $25 policy fee.
  6. State Mutual Insurance Company – $107.75 per month w/ $25 policy fee.
  7. American Continental Insurance Company (Aetna) – $108.12 per month w/ $20 policy fee.
  8. Anthem Insurance Companies Inc. – $109 per month.
  9. AARP (United Healthcare) Medicare Supplement Plans – $111 per month.
  10. Cigna Health and Life Insurance Company – $153.42 per month.
  • Medigap Plan F

Medigap Plan F is Georgia’s most preferred Medicare supplement plan. It offers the most coverage in comparison to its affordable cost. 

But, remember, because Medicare supplement plans are standardized, you’ll always get the same benefits as another plan of the same type. 

Of the many available choices, the following 10 are considered “top Plan F choices” for Georgia:

  • Western United Life Assurance Company – $138.75 per month w/ $25 policy fee.
  • Lumico Life Insurance Company – $145.67 per month w/ $25 policy fee.
  • National Health Insurance Company – $153.04 per month w/ $25 policy fee.
  • Anthem Insurance Companies Inc. – $153.80 per month.
  • Transamerica Life Insurance Company – $155.31 per month.
  • Philadelphia American Life Insurance Company –$155.38 per month w/ $20 policy fee.
  • Equitable National Life Insurance Company – $160.11 per month w/ $20 policy fee.
  • Humana Insurance Company – $171.93 per month.
  • Cigna Health and Life Insurance Company – $185.38 per month.
  • Omaha Insurance Company – $198.02 per month.
  • Medigap Plan G

In 2020, Medigap Plan F will no longer be available as a plan type when enrolling into Medicare supplement coverage.

With this, Medigap Plan G has found a new home as the next big option for you to get most of coverage you’re familiar with similar costs to Plan F.

In Georgia, the following companies are top contenders for Medigap Plan G:

  1. Western United Life Assurance Company – $109.50 per month w/ $25 policy fee.
  2. Anthem Insurance Companies Inc. – $115 per month.
  3. CSI Life Insurance Company – $115.67 per month w/ $25 policy fee.
  4. Lumico Life Insurance Company – $117.08 per month w/ $25 policy fee.
  5. National Health Insurance Company – $120.94 per month w/ $25 policy fee.
  6. Equitable National Life Insurance Company – $123.52 per month w/ $20 policy fee.
  7. Everest Reinsurance Company – $123.89 per month w/ $25 policy fee.
  8. Humana Insurance Company – $138.60 per month.
  9. Omaha Insurance Company – $140.18 per month.
  10. Cigna Health and Life Insurance Company – $146.54 per month.
  • Medigap Plan N

Another option, Medigap Plan N, draws you in with even lower premiums for similar healthcare coverage. It is both currently, and will continue to be, a very popular alternative to Medigap Plan F.

For now, the companies listed below have the most popular choices for Medigap Plan N in Georgia, based on cost or company ability:

  1. CSI Life Insurance Company – $92.58 per month w/ $25 policy fee.
  2. Western United Life Assurance Company – $94.92 per month w/ $25 policy fee.
  3. Assured Life Association – $96.37 per month /w $25 policy fee.
  4. GPM Health and Life Insurance Company – $99.61 per month w/ $25 policy fee.
  5. Lumico Life Insurance Company – $100.58 per month w/ $25 policy fee.
  6. Everest Reinsurance Company – $105.58 per month w/ $25 policy fee.
  7. Anthem Insurance Companies Inc. – $106 per month.
  8. Omaha Insurance Company – $110.46 per month.
  9. Humana Insurance Company – $111.99 per month.
  10. Cigna Health and Life Insurance Company – $124.47 per month.
  1. Medicare Part A and B

In the state of Georgia, you’ll have to have both Medicare Part A and Part B to enroll into a Medicare supplement plan. 

These parts of Medicare – Part A for hospital coverage and Part B for medical coverage – make up what is called Original Medicare. This Original Medicare pays for 80% of all services that it covers, leaving 20% behind for you to pay for out-of-pocket or, usually, through another insurance like a Medigap policy.

Medicare Part A

Automatically provided to you when turning 65, Medicare Part A is mainly for hospital-related coverage, which includes:

  • Hospice
  • Home Healthcare
  • Skilled Nursing Facility
  • Nursing Home Coverage (Short-Term only)
  • Inpatient Hospital Stays

Because most people have paid into Social Security longer than 10 years while working, it is uncommon that you’ll have to pay a premium for Medicare Part A.

But, once enrolled, you’ll be expected to pay a deductible before properly receiving services. You may also have some copays or coinsurances depending on some services you need done.

Medicare Part B

As an optional addition to your Part A, Medicare Part B is mainly to cover medical-related services, including:

  • Visits to your doctor
  • Diabetes Monitoring Supplies and Management
  • Durable Medical Equipment 
  • Use of Ambulance and Ambulance Services
  • Lab Work, including Blood Tests

Although you will be required to have Medicare Part B for a Medigap plan, you are not forced to accept Part B coverage. If you have group coverage or prior insurance before becoming eligible for Part B, you may choose to delay or decline enrollment to keep your benefits.

Also, unlike Medicare Part A, Medicare Part B charges all enrolled members a premium based on their income. This premium is required to keep coverage active, so you must continue to pay it if you stay enrolled. 

However, take caution – if you delay your Part B enrollment, it is likely that the cost of your premium once enrolled will go up.

  1. General Medigap Information
  1. Medigap Under 65