Best Medicare Supplement Plans in Georgia (2026)

Philadelphia American has the best Medicare Supplement plans in Georgia with the cheapest rates for Plans C, D and M, offering comprehensive coverage options.

Discover the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: January 15, 2026

Advertising & Editorial Disclosure

Key Takeaways

Plans C, D and M from Philadelphia American offer the most affordable Medigap rates among Georgia's popular policies, saving beneficiaries $40 to $115 monthly versus state averages.

Anthem, Transamerica, MedMutual and AARP provide the lowest rates for Plans A, B, F, G, K, L and N across the state.

At age 65, Georgia residents pay $52 to $448 monthly for Medicare Supplement coverage based on which plan type they choose.

Best Cheap Medicare Supplement Companies in Georgia

Monthly premiums for Medigap coverage in Georgia run from $93 to $258 for 65-year-olds, with strong financial protection available across all 10 standardized plan types. We found the most affordable providers in each category. The price gap between the cheapest and most expensive options is large.

Philadelphia American offers the best rates across three popular plans: Plan M at $107 monthly, Plan D at $174 monthly and Plan C at $203 monthly. Anthem provides competitive rates for Plan A, while Transamerica offers budget-friendly prices for Plans B and L.

MedMutual covers Plans F, G and N and AARP provides affordable Plan K coverage. These low-cost options save Georgia beneficiaries $10 to $115 each month compared to average state rates.


Anthem	A	$120	$83	Issue Age Pricing
Transamerica	B	$258	$46	Issue Age Pricing
Philadelphia American	C	$203	$115	Issue Age Pricing
Philadelphia American	D	$174	$114	Issue Age Pricing
MedMutual Protect	F	$176	$105	Issue Age Pricing
MedMutual Protect	G	$162	$71	Issue Age Pricing
AARP	K	$93	$10	Issue Age Pricing
Transamerica	L	$152	$42	Issue Age Pricing
Philadelphia American	M	$107	$40	Issue Age Pricing
MedMutual Protect	N	$114	$52	Issue Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

Philadelphia American

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$58
Plan Types
A, C, D, F, G, M

pros
- Best Plan C rates in Georgia ($203 a month)
- Best Plan D rates in Georgia ($174 a month)
- Best Plan M rates in Georgia ($107 a month)
- Six plan types including less common but valuable options
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer popular Plan N or cost-sharing plans (K or L)
Philadelphia American leads Georgia's Medicare Supplement market with a strong track record of serving seniors. The company offers the best rates for three plan types: Plan M at just $107 monthly, Plan D at $174 monthly and Plan C at $203 monthly. These prices beat state averages by notable margins.

Georgia seniors can choose from six total plan types (A, C, D, F, G and M) to match their health care needs and budgets. This insurer uses Attained Age Pricing, so your premiums rise as you age to reflect higher health risks. The company's main strength is its wide range of customizable plan options, letting seniors find coverage that fits their specific situation.

Philadelphia American holds an A- (Excellent) rating from AM Best, which indicates strong financial stability for long-term coverage.

Anthem

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

3.9/5Pricing Style

3.4/5Plan Availability

Average Plan G Rate
$180
Plan Types
A, F, G, N

pros
- Best Plan A rates in Georgia ($120 a month)
- Strong financial stability with high ratings
- Wide network of healthcare providers
cons
- Doesn't offer Plans B, C, D, K, L or M
- Attained Age Pricing means your premiums increase with age
Anthem brings national brand recognition and strong financial backing to Georgia's Medicare Supplement market, offering four plan types with competitive rates on select options. The company ranks first for Plan A at just $120 per month, providing $83 in savings compared to other Georgia providers.

Its portfolio includes Plans A, F, G and N, with monthly costs ranging from $120 to $456 for new enrollees. Premiums increase with age (attained-age pricing), meaning monthly costs rise as policyholders get older. Anthem’s broad provider network gives members access to a wide range of health care services across Georgia and nationwide.

The company holds an A (Excellent) rating from AM Best, reflecting strong financial stability for long-term coverage.

Transamerica

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.4/5Pricing Style

4/5Plan Availability

Average Plan G Rate
$251
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Best Plan B rates in Georgia ($258 per month)
- Best rates for cost-sharing Plans K and L
- All plan types available
cons
- Attained Age Pricing means your premiums increase with age
- No high-deductible Plan G option
Transamerica is the only insurer in Georgia’s Medicare Supplement market that offers all 10 standardized plan types, giving seniors broad flexibility when choosing coverage. The company posts the lowest rates for Plan B at $258 per month and Plan L at $152 per month, saving $46 and $42 compared to other providers.

Premiums range from $102 to $490 across Plans A, B, C, D, F, G, K, L, M and N, covering a wide spread of budgets and coverage levels. Transamerica uses an attained-age pricing model, so costs rise as policyholders get older, with wellness programs and healthy living discounts helping manage long-term expenses.

The company holds an A (Excellent) rating from AM Best, supporting its long-term financial reliability.

MedMutual

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$162
Plan Types
A, D, F, G, N

pros
- Best Plan F rates in Georgia ($176 a month)
- Best Plan G rates in Georgia ($162 a month)
- Best Plan N rates in Georgia ($114 a month)
- Strong financial stability and ratings
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer Plans B, C, K, L or M
- No cost-sharing plans (K, L)
MedMutual brings national brand recognition to Georgia's Medicare Supplement market as a subsidiary of Medical Mutual of Ohio. The company offers five plan types (A, D, F, G and N) with competitive rates that beat state averages across its most popular options.

At $114 per month for Plan N, $162 for Plan G and $176 for Plan F, MedMutual saves Georgia seniors $52 to $105 compared to typical state pricing. Premiums increase with age (attained-age pricing), meaning monthly costs rise as policyholders get older to reflect increased health care risks.

MedMutual's biggest advantage is its extensive network of health care providers, combined with strong customer support services that help members navigate their benefits. The company holds an A (Excellent) rating from AM Best, indicating strong financial stability to pay claims over the long term.

AARP

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$324
Plan Types
A, B, C, F, G, K, L, N

pros
- Best Plan K rates in Georgia ($93 a month)
- Wide range of supplemental plans available
- Strong financial stability with high ratings
cons
- Attained Age Pricing means your premiums increase with age
- No high-deductible Plan G option
AARP is a leading provider in Georgia’s Medicare Supplement market, offering coverage options tailored to older adults. The organization posts the lowest price for Plan K at $93 per month, giving Georgia residents a $10 cost advantage over other providers in this category.

Seniors can choose from eight plan types, including A, B, C, F, G, K, L and N, with monthly premiums for 65-year-olds ranging from $93 to $531. Plans follow an attained-age pricing model, so premiums increase as members get older.

AARP combines a broad plan lineup with member-focused health resources and wellness programs. All AARP Medicare Supplement plans are underwritten by UnitedHealthcare, which holds an A (Excellent) rating from AM Best, supporting long-term claims reliability.

Find Georgia Medicare Supplement Plans That Fit Your Needs

Your specific needs may differ from the most popular choices above. Explore the table below to find the Georgia Medicare Supplement company that matches your specific situation.

Data filtered by:


MedMutual Protect	G	No	65	$162	$0	No Data
LifeShield National	G	No	65	$166	$0	No Data
Atlantic Capital	G	No	65	$175	$0	No Data
Wellcare	G	No	65	$176	$0	No Data
Anthem	G	No	65	$180	$0	No Data
WoodmenLife	G	No	65	$184	$0	No Data
Medico Corp	G	No	65	$187	$0	No Data
American Benefit	G	No	65	$196	$0	No Data
USAA	G	No	65	$197	$0	No Data
Bankers Life	G	No	65	$198	$0	No Data

Georgia Medicare Supplement Plan Cost

Medicare Supplement insurance premiums for 65-year-olds in Georgia span from $103 to $318 each month. Most Georgia seniors choose Plan G at $233 monthly because it provides comprehensive benefits at a reasonable cost.

Budget-minded seniors can select Plan K for just $103 per month. Plan C commands the highest premium at $318 but includes maximum coverage. Plan N appeals to cost-conscious buyers at $166 monthly, offering protection without premium strain. Plans M ($147), L ($194), and A ($203) provide monthly alternatives between these price points.


A	$203	$2436
B	$304	$3648
C	$318	$3816
D	$288	$3456
F	$281	$3372
G	$233	$2796
K	$103	$1236
L	$194	$2328
M	$147	$1764
N	$166	$1992

How to Choose the Best Georgia Medicare Supplement Plan

Here's what you need to know about finding coverage: Medicare Supplement plans in Georgia are standardized by federal law, so Plan G offers identical benefits no matter which insurer sells it. Premium amounts vary while benefits stay the same across companies. Understanding what each plan type covers helps you pick the best balance between premiums and expenses.

Most Comprehensive Coverage

Plan G: Covers everything except Part B deductible, offering extensive protection.
Plan F: Includes all gaps plus Part B deductible and excess charges (closed to new members since 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges protection.
Plan N: Extensive benefits with minor copays and lower monthly premiums.

Budget-Friendly Choices

Plan L: Similar to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000.
Plan M: Covers 50% of Part A deductible with moderate monthly premiums.
Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000.

Premium Coverage

Plan C: Covers Part B deductible and foreign travel emergency benefits (not available for new enrollees since 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Georgia Medicare Supplement Company

After you pick a Medigap plan letter, you still have a big choice to make. In Georgia, insurers can charge very different premiums for the same Medicare Supplement coverage, and the service experience can vary just as much. It helps to compare companies based on what you’ll pay and how they treat members in your area, including Atlanta and Savannah.

1
Customer Satisfaction and Complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. Examine customer feedback from J.D. Power and the NAIC to find reliable Medicare Supplement providers in Georgia's major markets like Atlanta and Savannah.
2
Plan Pricing
Identical plans cost different amounts between insurers across Georgia. Do side-by-side comparisons of options available in your area, whether you're in Columbus or Augusta. Find the best value without sacrificing coverage quality or service standards that matter most to your health care needs.
3
Added Benefits
Insurers may provide discounts on other services like gym memberships or wellness programs. These perks add value to your coverage across different policy types, including Medigap plans. Consider how these extras might benefit your lifestyle in Georgia's diverse communities from Macon to Warner Robins.

Georgia Medicare Resources

Georgia residents who want support selecting Medicare Supplement coverage can access these state programs:

Georgia SHIP (GeorgiaCares): GeorgiaCares is Georgia's name for its State Health Insurance Assistance Program, staffed by over 250 trained volunteers across 12 regional locations. Volunteers schedule free appointments to compare Medicare Supplement policies and explain enrollment options. The program operates Monday through Friday from 8 a.m. to 5 p.m. Call (866) 552-4464 and press option 4 to connect with your local GeorgiaCares office.
Georgia Office of Insurance and Safety Fire Commissioner - Consumer Services Division: When you can't resolve billing disputes or claim issues with your Medicare Supplement insurer, the Consumer Services Division steps in to investigate. Online complaint filing through their Consumer Complaint Portal speeds up the process compared to mail or phone submissions. Reach the Consumer Services Division at (404) 656-2070 for questions about the complaint process.
Georgia Division of Aging Services - Area Agencies on Aging: Georgia divides the state into 12 aging service regions, each managed by an Area Agency on Aging that coordinates local senior programs. These agencies connect older adults to nutrition programs, transportation services and GeorgiaCares counselors in their communities. The Aging and Disability Resource Connection serves as the entry point for information about available services.
Medicare.gov: The official Medicare website's plan finder lets you enter your ZIP code to see which Medicare Supplement insurers operate in your Georgia county. Compare monthly premiums, coverage details and company ratings for Medigap Plans A through N available in your area.

Medicare Supplement Plans in Georgia: FAQ

Find answers to frequently asked questions about Medigap coverage in Georgia below.

What does Medigap cover in Georgia?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Certain plans also handle Part B excess charges, skilled nursing facility coinsurance and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

Medicare Supplement plans benefit those who prioritize stable costs and comprehensive coverage. They're valuable for seniors with ongoing health care needs, chronic conditions, or limited savings for unexpected medical bills. These plans also provide freedom to visit any Medicare-accepting provider nationwide without referrals. However, healthy individuals with strong financial reserves might find Original Medicare's lower premiums sufficient for their needs.

When can I enroll in Medigap plans in Georgia?

The best time to enroll in Medigap is during your six-month enrollment window, which begins when you turn 65 and enroll in Medicare Part B. During this initial enrollment period, insurance companies must accept you regardless of pre-existing health conditions and cannot charge higher premiums based on your medical history. While you can enroll anytime throughout the year, applying outside this window means insurers can use medical underwriting to determine your eligibility and rates.

Can I switch from Medicare Advantage to Medigap in Georgia?

Yes, you can switch from Medicare Advantage to Medigap in Georgia, but insurers will review your health and may deny coverage or charge higher premiums based on medical conditions. Your best chance is during the Medigap Open Enrollment Period at age 65, when you have guaranteed coverage rights. Outside this window, protection from denial is limited to specific qualifying situations.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Georgia for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Georgia based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

Read Full Bio »

Best Medicare Supplement Plans in Georgia (2026)

Best Cheap Medicare Supplement Companies in Georgia

Find Georgia Medicare Supplement Plans That Fit Your Needs

Georgia Medicare Supplement Plan Cost

How to Choose the Best Georgia Medicare Supplement Plan

How to Find the Best Georgia Medicare Supplement Company

Georgia Medicare Resources

Medicare Supplement Plans in Georgia: FAQ

What does Medigap cover in Georgia?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Georgia?

Can I switch from Medicare Advantage to Medigap in Georgia?

Our Review Methodology

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