Clover Health is the best Medicare Advantage company in Georgia, pairing a 4.5-star CMS quality rating with broad availability and a median maximum annual cost exposure of $7,100, below the midpoint among the companies we compared. Kaiser Permanente ranks second and has the lowest cost exposure at $6,750, though its plans are available in only 18 counties. Other top insurers have different tradeoffs between cost, quality and availability across Georgia’s 159 counties.
Best Medicare Advantage Plans in Georgia (2026)
Updated: September 3, 2026
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Best Medicare Advantage Companies in Georgia
| Overall rating based on cost, quality, benefits and availability. | Median annual premium plus median out-of-pocket maximum. | Median CMS quality rating across the carrier’s plans. | Number of Georgia counties where plans are offered. | Number of Medicare Advantage plans offered in Georgia. | |
|---|---|---|---|---|---|
Clover Health | 4.4 | $7,100 | 4.5 | 151 | 4 |
Kaiser Permanente | 4.3 | $6,750 | 4.5 | 18 | 7 |
Aetna Medicare | 4.1 | $9,250 | 4.0 | 157 | 18 |
Wellcare | 4.1 | $7,900 | 3.5 | 142 | 9 |
HealthSpring | 4.1 | $6,751 | 3.5 | 51 | 17 |
Anthem Blue Cross and Blue Shield | 4.0 | $9,250 | 3.5 | 146 | 5 |
Georgia Medicare Advantage Market Overview
Georgia’s Medicare Advantage market is large and competitive, with 101 non-SNP plans from 11 carriers. Provider and plan availability varies by county, but most people have dozens of local plan options, and 98% of plans in the state charge no additional monthly premium.
Median maximum out-of-pocket (MOOP) limits reach $9,250, while the lowest-MOOP plans start at $3,200. Plan quality is also strong in the state, with more than half of rated contracts earning at least 4 stars from the Centers for Medicare & Medicaid Services (CMS).
Non-SNP Medicare Advantage plans | 101 | Georgia has a broad selection of Medicare Advantage plans. |
Carriers | 11 | You can compare plans across multiple insurers rather than relying on a small group of carriers. |
CMS contracts | 27 | Several carriers operate under multiple CMS contracts, which can mean differences in quality ratings and member experience within the same insurer. |
Median plans per county | 43 | Most people have dozens of local options to choose from. |
Medicare Advantage enrollment in non-SNP plans | 698,267 | Nearly 700,000 Georgians are enrolled in the non-SNP plans included in our analysis. |
Plans with a $0 premium | 98% | Most plans charge no additional monthly premium. MOOP, copays and other cost sharing is more useful for comparing affordability. |
Median max out-of-pocket (MOOP) | $9,250 | The high median MOOP means many Georgia plans provide limited protection from large annual medical bills. Lower-MOOP options are especially valuable for people who expect to use more care. |
MOOP range | $3,200–$9,250 | Choosing a lower-MOOP plan could reduce your in-network medical cost exposure by more than $6,000 per year. |
Average CMS star rating | 3.87 out of 5 | Plan quality is near the 4-star mark, but ratings vary enough to be useful when comparing otherwise similar options. |
Contracts rated 4+ stars | 56% | More than half of rated contracts meet or exceed the 4-star quality benchmark. |
Clover Health
MoneyGeek Rating
4.4/ 5
4.5/5Affordability
4.5/5Quality & Member Experience
4.3/5Benefits & Availability
Median Max Annual Cost Exposure
$7,100Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.5Median CMS quality rating across the carrier’s plans.Counties Served
151Plans Available
4
Kaiser Permanente
MoneyGeek Rating
4.3/ 5
4.3/5Affordability
4.5/5Quality & Member Experience
3.8/5Benefits & Availability
Median Max Annual Cost Exposure
$6,750Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.5Median CMS quality rating across the carrier’s plans.Counties Served
18Plans Available
7
Aetna Medicare
MoneyGeek Rating
4.1/ 5
3.9/5Affordability
4.2/5Quality & Member Experience
4.4/5Benefits & Availability
Median Max Annual Cost Exposure
$9,250Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
4.0Median CMS quality rating across the carrier’s plans.Counties Served
157Plans Available
18
WellCare
MoneyGeek Rating
4.1/ 5
4.3/5Affordability
3.8/5Quality & Member Experience
4.4/5Benefits & Availability
Median Max Annual Cost Exposure
$7,900Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.5Median CMS quality rating across the carrier’s plans.Counties Served
142Plans Available
9
HealthSpring
MoneyGeek Rating
4.1/ 5
4.5/5Affordability
3.8/5Quality & Member Experience
3.8/5Benefits & Availability
Median Max Annual Cost Exposure
$6,751Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.5Median CMS quality rating across the carrier’s plans.Counties Served
51Plans Available
17
Anthem Blue Cross and Blue Shield
MoneyGeek Rating
4/ 5
3.9/5Affordability
3.9/5Quality & Member Experience
4.3/5Benefits & Availability
Median Max Annual Cost Exposure
$9,250Median annual premium plus median out-of-pocket maximum.Median CMS Star Rating
3.5Median CMS quality rating across the carrier’s plans.Counties Served
146Plans Available
5
How to Choose the Best Medicare Advantage Plan in Georgia
When choosing the best Medicare Advantage plan for your needs, consider out-of-pocket costs, provider networks, drug coverage, quality ratings and supplemental benefits.
- 1Check provider networks first
- 2Compare prescription drug coverage
Prescription drug formularies and drug tiers vary by plan, which can affect what you pay. Enter your medications in Medicare’s Plan Finder to compare coverage and estimated prescription costs.
- 3Look beyond the monthly premium
A $0-premium plan isn't necessarily the least expensive overall. Compare deductibles, copays, coinsurance and the maximum out-of-pocket limit to estimate your potential annual costs, especially if you expect frequent medical care.
- 4Evaluate supplemental benefits
Dental, vision, hearing and OTC benefits add value, but coverage limits vary widely. Compare annual allowances, covered services and provider networks rather than choosing a plan simply because it includes an extra benefit.
- 5Check CMS quality ratings
CMS rates Medicare Advantage plans from 1 to 5 stars based on member experience, customer service and health outcomes. When costs and coverage are similar, a higher-rated plan can help you identify stronger overall plan quality.
How Much Does Medicare Advantage Cost in Georgia?
Most Medicare Advantage premiums in Georgia are $0 per month regardless of plan type, but out-of-pocket costs vary widely. HMO plans have a median maximum out-of-pocket limit of $6,750, compared with $7,700 for HMO-POS and $9,250 for PPO and Regional PPO plans. Median primary care copays are consistent at $15 across plan types, while median specialist copays range from $20 for HMO-POS plans to $30 for HMOs and PPOs.
Median Monthly Premium | $0 | $0 | $0 | $0 |
Median Max Out-of-Pocket | $6,750 | $7,700 | $9,250 | $9,250 |
Median Inpatient Copay | $345 | $375 | $375 | $375 |
Median PCP Copay | $15 | $15 | $15 | $15 |
Median Specialist Copay | $30 | $20 | $30 | $25 |
Georgia Medicare Advantage Resources
Use these free resources to compare plans in your ZIP code, confirm eligibility and get personalized assistance.
- Georgia State Health Insurance Assistance Program (SHIP): Free one-on-one counseling from trained volunteers. Georgia's program, GeorgiaCares, helps with enrollment, coverage questions and appeals. Call 1-866-552-4464.
- Medicare.gov: The federal Medicare portal for plan enrollment, benefit details and CMS star rating data for every Medicare Advantage plan. Call 1-800-MEDICARE (1-800-633-4227) for direct assistance.
- Extra Help (Low-Income Subsidy): Federal assistance with Part D prescription drug costs for members with limited income and resources.
Frequently Asked Questions
You must have Medicare Parts A and B to enroll in a Medicare Advantage plan. Sign up during Annual Enrollment (Oct. 15 to Dec. 7) or during a Special Enrollment Period, which applies after life events like losing job-based coverage or moving.
Yes, Medicare Advantage plans are available statewide, but indidivual carriers and plan options vary from county to county.
It depends on the plan type. HMO plans, which make up the majority of Georgia's Medicare Advantage market, require you to stay in-network except for emergencies. PPO plans let you see out-of-network providers but charge higher cost-sharing. Check that your current doctors accept a plan before you enroll.
Many Medicare Advantage plans in Georgia include dental and vision benefits that Original Medicare doesn't cover. Coverage varies widely. Some plans cover routine cleanings and eye exams only, while others pay for dentures, glasses or contacts. Compare benefit limits before choosing a plan.
Our Methodology
MoneyGeek evaluated Georgia Medicare Advantage companies using five CMS data sources for the 2026 plan year, including the Medicare Plan Landscape File, Plan Benefit Package files, CMS Star Ratings, the CAHPS Report Card Master Table and the Contract/Plan Enrollment file.
How We Score Carriers
Each carrier in the state receives an overall MoneyGeek score out of five from a weighted average of three category scores:
- Affordability (40%): Maximum annual cost exposure, calculated as annual premiums plus the maximum out-of-pocket limit, along with inpatient hospital, specialist and primary care costs.
- Quality and Member Experience (40%): CMS Star Ratings make up 60% of this category and CAHPS C26 member ratings make up 40%. Both are measured at the contract level.
- Benefits and Access (20%): Supplemental benefits, including dental, OTC, vision and hearing, make up 50% of this category. County coverage makes up 30% and plan choice per county makes up 20%.
About Patrick Bryant
Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.