Many people change from a traditional Medicare plan to a Medicare Advantage policy. Currently, over 700,000 people have a Medicare Advantage plan in Georgia.
Below, we will explain the differences between Medicare Advantage plans and inform you how to get the coverage you need.
Georgia Medicare Advantage plans
Medicare Advantage plans are alternatives to Original Medicare plans. Typically, they bundle Part A and Part B Medicare benefits with another Medicare letter plan.
Differing from Traditional Medicare, Medicare Advantage plans come from private carriers. Therefore, there are many different Medicare Advantage plans you can enroll in in Georgia.
Note that not every Medicare Advantage plan covers prescription drug costs. If you need a Medicare insurance policy covering pharmaceutical expenses, invest in a stand-alone Part D plan.
Each year, the amount of Medicare Advantage plans available nationwide increases. 99.7% of Medicare beneficiaries are eligible for Medicare Advantage plans.
Medicare Advantage plans offered in Georgia
Unlike Medigap plans, the federal government does not standardize Georgia Medicare Advantage plans. Therefore, there could be slight policy differences for each Georgia zip code.
Below, we will display the best Medicare Advantage plans with zero-dollar premiums, zero-dollar deductibles, and 5-star ratings. These charts will better inform you of what Medicare Advantage plan you should choose. Note that these figures are from a specific Georgia zip code. Rates may vary.
Medicare Advantage plans with a zero-dollar premium in Georgia
Many policyholders want a Medicare plan with zero-dollar premiums. However, remember that when you don’t pay a premium, there will be higher out-of-pocket costs as you use your plan benefits.
Anthem BCBS is a four-star zero-dollar premium plan with a maximum out-of-pocket price of $6,700. It’s a local PPO plan that caters to a specific geographic region. To use your full benefits, you must go to a local hospital.
Cigna is an HMO plan. HMO plans signify that you must visit a medical professional within the insurance provider’s network to use your benefits.
also offers a zero-dollar premium with its Medicare Advantage plan in Georgia. The four-star policy has a MOOP of $6,700 and is a regional PPO.
A regional PPO plan caters to a broader area than a local PPO.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Anthem BCBS | $0 | $6,700 | LOCAL PPO | 4 |
| Cigna | $0 | $7,500 | HMO | 4 |
| Humana | $0 | $7,550 | LOCAL PPO | 4 |
| Aetna | $0 | $6,900 | LOCAL PPO | 3 |
| $0 | $6,700 | REGIONAL PPO | 4 |
Medicare Advantage plans with a zero-dollar drug deductible in Georgia
Many Medicare patients need help paying for their prescription drugs. The below Medicare Advantage plans allow you to start paying copayments immediately.
Humana offers a zero-dollar drug deductible plan in Georgia. The local PPO plan has a MOOP of $7,550 and no premium.
Cigna is another insurance option for Georgia Medicare patients. Its zero-dollar drug deductible plan has a MOOP of $6,500 with no premium payment.
WellCare offers a low MOOP of $5,500. The local PPO plan has a three-star rating and a $0 premium. All the above Medicare Advantage plans will help you cover your prescription drug expenses.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Humana | $0 | $7,550 | LOCAL PPO | 4 |
| Cigna | $0 | $6,500 | HMO | 4 |
| Clover Health | $0 | $7,550 | LOCAL PPO | 3 |
| Aetna | $0 | $6,400 | HMO | 4 |
| WellCare | $0 | $5,500 | LOCAL PPO | 3 |
Medicare Advantage plans with a 5-star rating in Georgia
If you have a five-star Medicare Advantage plan available in your city, you may be eligible for a Special Enrollment Period.
Kaiser Permanente is among the best Medicare Advantage plans in Georgia. Its comprehensive policy includes a $5,900 MOOP with a zero-dollar premium.
Kaiser Permanente is currently the only five-star Medicare Part C plan in Georgia.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Kaiser Permanente | $0 | $5,900 | HMO | 5 |
Medicare Advantage plans with a Part B reduction in Georgia
Note that the below figures vary by zip code. Not all these plans offer a Part B give-back policy.
Humana’s Part B reduction plan has a MOOP of $6,700 with a zero-dollar premium. The four-star policy provides a $50 Part B reduction.
offers a $0 premium with a MOOP of $6,700. You will get a $30 reduction with its Part B reduction plan.
WellCare offers an exceptional $70 Part B reduction. The three-star policy has a MOOP of $7,500 to go with a $0 premium.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATINGS |
| Humana | $0 | $6,700 | $50.00 | 4 |
| $0 | $6,700 | $30.00 | 4 | |
| WellCare | $0 | $7,500 | $70.00 | 3 |
| Humana | $0 | $6,700 | $100.00 | 4 |
Ancillary/DVH
Note that Medicare Advantage plans offer more benefits than traditional Medicare policies. These benefits include dental, vision, hearing, and prescription drug coverage.
Cities in Georgia with estimated premiums for Medicare Supplement coverage
Below are charts with estimated premiums for Georgia Medicare Supplement coverage for the following cities:
FAQs
What is a PDP in Medicare Advantage plans in Georgia?
PDP stands for prescription drug coverage. If you need help paying for prescription drugs, make sure your plan offers a copayment for pharmaceutical expenses.
What Georgia Medicare Advantage plans include the passport feature?
plans include the passport feature. The passport feature allows you to receive insurance benefits while you’re traveling. It will help pay for emergency medical visits abroad.
What is the highest-rated Medicare Advantage plan in Georgia?
Five-star Medicare Advantage plans in Georgia include Kaiser Permanente’s Basic and Advanced HMO, Senior Advantage Medicare’s Medicaid SNP, and Nursing Home Plan 2 SNP.
How do I choose the best Medicare Advantage plan in Georgia?
Determining the best Medicare Advantage plan for you depends on what you want to get out of your Medicare insurance policy.
Consider how many hospital visits you have per year, your age, and your budget before enrolling in a Medicare Advantage plan.
Which is better: a Medigap policy or a Medicare Advantage plan in Georgia?
Typically, Medicare Advantage is a better policy for those in good health with few hospital visits yearly. If you have any chronic conditions, Medicare Supplement is the best option.
How to get help enrolling in Georgia Medicare Advantage plans
We work with the best Medicare Advantage providers in Georgia, so you can use our in-depth tools to compare rates from these insurance providers to find the best for you.
Our licensed insurance agents are standing by to help you decide which plan is right for you as an individual. They will do that for free and share their immense Medicare knowledge.
Give our agents a call today. Or simply fill out our online rate form to be connected with the best rates in the state of Georgia.
