The Best Georgia Medicare Supplement Plans (2022)

In Georgia, there are 10 Medicare Supplement plans, also called Medigap plans. The availability of these policies depends on when you become eligible.

MoneyGeek found that UnitedHealthcare offers Georgia's best Medicare Supplement plans. However, you can't buy both Medigap and Medicare Advantage Plans in the state since Medicare Advantage Plans in Georgia replace your Medicare plan, including Original Medicare.

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Last Updated: 9/14/2022
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The average monthly cost of Medicare Supplement plans in Georgia is $148 for a 65-year-old, while it’s roughly $213 for a 75-year-old. Most eligible people opt for Plan F and Plan G since these plans have comprehensive coverage. On average, it costs $259.07 and $157.30 per month to buy Plan F and Plan G, respectively. You can only buy Plan F if you were eligible for Medicare before 2020.

Plan N, the next popular option after the plans mentioned above, offers similar coverage but includes excess charges. On average, it costs $145.50 and $191.87 per month to buy this plan for a 65-year-old and a 75-year-old, respectively.

MoneyGeek ranked the best companies offering these plans based on average premiums and benefits, according to our methodology. If you want more information about plan types and coverages, we explained ways to find the best Medicare Supplement Plan.

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Best Medicare Supplement Plans in Georgia

Best Medicare Supplement Plan G in Georgia

MoneyGeek’s research shows that UnitedHealthcare offers the best Medigap Plan G in Georgia. The company also offers a SELECT Plan, which has lower premiums but restricts which hospitals and doctors you can use. For this plan, UnitedHealthcare charges around $126 per month.

We only rated companies that offer online quotes in Georgia. There may be providers available in the state which don’t provide online quotes but have more affordable rates.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $139.75

In Georgia, the average cost of Plan G is $182.20 per month, which is pretty expensive than UnitedHealthcare’s Medigap Plan G, which costs approximately $139.75 per month. With this company, you also get a range of benefits, including Renew Active, which provides access to gyms, fitness centers and online fitness activities, helping you stay fit and healthy.

In addition, UnitedHealthcare offers discounts on dental, hearing and vision care. It also covers you in case of any emergency during foreign travel. The company offers a SELECT plan which has lower premiums but strictly restricts your network. This plan costs an average of $126 per month.

MORE ABOUT PLAN G IN GEORGIA

Navigate to learn more about Medigap Plan G in Georgia, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Georgia

On average, it costs $182.20 per month to buy a Medigap Plan G in Georgia. UnitedHealthcare, the cheapest company in the state, charges around $132.90 per month for Plan G. This plan costs roughly $88.70 less than Cigna’s Medigap Plan G, the most expensive company in Georgia, with an average cost of $221.60 per month.

However, these average costs may change depending on your age, discounts, medical underwriting factors and how old you are when you buy.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $133
  • Anthem
    $142
  • Cigna
    $222

Providers Offering Plan G in Georgia

MoneyGeek found that 38 companies offer Medicare Supplement Plans in Georgia. However, since all of these companies may not provide online quotes, we collected the contact information of these companies to help you find the best option for your needs. We also listed their pricing styles to help you understand which company might charge more based on your age.

Providers Offering Plan G in Georgia

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  • Company
    Contact Number
    Pricing Style
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • USAA
    800-531-8722
    Community
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • AFSLIC
    1-866-951-0686
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Assured Life
    877-223-3666
    Issue-Age Pricing

What Does Plan G Cover?

Plan G and other Medigap policies are standardized and must include specific benefits. However, Plan G does not have Part B deductibles coverage and only covers 80% of your foreign travel exchange within your plan limits.

Some companies may include additional benefits in their plans. For instance, UnitedHealthcare’s Medigap plans include Renew Active, which is a fitness benefit.

Required Benefits of Plan G in Georgia
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Georgia

MoneyGeek's research shows that UnitedHealthcare is the best option for those looking for the best Medicare Supplement Plan F in Georgia. The company charges an average of $304.25 per month for this plan.

Our rankings only include companies that offer online quotes in the state. More companies might be available in Georgia that don’t provide online quotes but have more affordable rates.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $304.25

The average cost of a Medicare Supplement Plan F in Georgia is $259.10 per month, which is roughly $45 less than UnitedHealthcare’s Plan F. The company offers different benefits like Renew Active, a program that includes access to gyms, fitness centers and online fitness activities. It helps you enhance your mental and physical health.

UnitedHealthcare also offers discounts on vision, dental and hearing care. With this company, you’ll also have coverage in case of any emergency while traveling internationally.

MORE ABOUT PLAN F IN GEORGIA

Navigate to learn more about Medigap Plan F in Georgia, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Georgia

The average cost of Medicare Supplement Plan F in Georgia is $259.10 per month. MoneyGeek found that Cigna offers the most affordable plan in the state at an average monthly cost of $193.50, while Anthem is the most expensive provider with an average price of $345 per month.

The cost of a plan may change depending on when you buy the plan, your current age, discounts and other medical underwriting factors.

Sort by Age:

75

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  • Company
    Sample Monthly Rate
  • Cigna
    $194
  • UnitedHealthcare
    $304
  • Anthem
    $345

Providers Offering Plan F in Georgia

In Georgia, 38 companies offer Medicare Supplement Plan F. However, not all companies offer online quotes. MoneyGeek’s research includes contact information of these companies to help you find the one that fits your needs. We have also analyzed the pricing style of these companies to help you get an idea of how costs change depending on your age.

Providers Offering Plan F in Georgia

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  • Company
    Contact Number
    Pricing Style
  • USAA
    800-531-8722
    Community
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • AFSLIC
    1-866-951-0686
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Assured Life
    877-223-3666
    Issue-Age Pricing
  • Bankers Fidelity
    1-866-458-7504
    Issue-Age Pricing

What Does Plan F Cover?

Medigap Plans, including Plan F and other plans, are standardized and must offer specific benefits. While Plan F provides comprehensive coverage, it only covers 80% of foreign travel exchange, up to your plan’s limits. Some companies offer additional benefits in their Plan F. UnitedHealthcare’s Renew Active is a good example.

Required Benefits of Plan F in Georgia
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Georgia

In Georgia, UnitedHealthcare offers the best Medicare Supplement Plan N. The company charges around $125 per month for this plan. It also provides a SELECT plan, which may cost less but have more restrictions on which hospitals and doctors you can seek treatment from.

MoneyGeek only ranked companies that offer online quotes in the state. There may be other providers in Georgia that offer better rates but don’t provide online quotes.

mglogo
MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $125

In Georgia, UnitedHealthcare charges roughly $125 per month for a Plan N, which is around $43 less than the average cost of Plan N in the state. The company offers multiple benefits with this plan, including discounts on vision, hearing and dental care and Renew Active, a program that helps you stay fit and healthy by giving you access to premium gyms, fitness centers and online fitness activities. UnitedHealthcare also provides you coverage in case of any emergency during foreign travel.

The company offers a SELECT plan that costs an average of $125 per month and has limitations on which hospitals and doctors you can use for your treatment.

MORE ABOUT PLAN N IN GEORGIA

Navigate to learn more about Medigap Plan N in Georgia, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Georgia

On average, it costs $168.80 per month to buy a Medicare Supplement Plan N in Georgia. MoneyGeek’s research shows that UnitedHealthcare is the cheapest provider of this plan in the state, with an average cost of $125 per month, while Cigna offers the most expensive plan at an average monthly cost of $183.20.

How much you pay for a Plan N may depend on how old you were when you bought the plan, your current age, discounts and other medical underwriting factors.

Sort by Age:

65

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $125
  • Anthem
    $149
  • Cigna
    $183

Providers Offering Plan N in Georgia

MoneyGeek found out that 38 companies offer Medicare Supplement Plan N in Georgia. However, not all companies offer online quotes. That’s why we collected their contact information and also analyzed their pricing style, so you can understand how costs may change based on your age.

Providers Offering Plan N in Georgia

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swipe icon
  • Company
    Contact Number
    Pricing Style
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • USAA
    800-531-8722
    Community
  • UnitedHealthcare
    1-888-378-0849
    Issue-Age Pricing
  • Aetna
    800-358-8749
    Issue-Age Pricing
  • Liberty Bankers
    1-833-504-0331
    Issue-Age Pricing
  • AFSLIC
    1-866-951-0686
    Issue-Age Pricing
  • Anthem
    1-800-684-1893
    Issue-Age Pricing
  • Assured Life
    877-223-3666
    Issue-Age Pricing

What Does Plan N Cover?

Medigap policies, including Plan N and other plans, are standardized and must offer some specific benefits. However, Plan N usually does not cover Part B deductibles and excess charges and only covers 80% of your foreign travel exchange within your plan’s limits.

The companies may also offer some additional benefits with their plans. UnitedHealthcare’s Renew Active is an excellent example of such benefits.

Required Benefits of Plan N in Georgia
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Georgia: Other Plan Types

In Georgia, other medical supplement plan types are also available. These include Plans A, B, C, D, K and L. However, very few people opt for those plans because they don’t offer comprehensive coverage. MoneyGeek’s research shows that Anthem, UnitedHealthcare and Cigna provide online quotes for all plan types in the state.

If you’re newly eligible for Medicare after January 1, 2022, you won’t be able to buy Plan C in Georgia or anywhere else.

The Best Medicare Supplement in Georgia - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    Anthem

    $122.00

  • B

    UnitedHealthcare

    $191.00

  • C

    UnitedHealthcare

    $302.50

  • F

    UnitedHealthcare

    $304.25

  • G

    UnitedHealthcare

    $139.75

  • K

    UnitedHealthcare

    $69.00

  • L

    UnitedHealthcare

    $126.25

  • N

    UnitedHealthcare

    $125.00

How to Find the Best Medicare Supplement Plans in Georgia

It can be challenging to understand Medicare Supplement in Georgia since it’s a complicated subject. MoneyGeek came up with an easy comparison chart for plan types in the state and gathered and analyzed pricing data to help you figure out how it all works and compare Medicare Supplement Plans in Georgia.

Georgia Medicare Supplement Plans Comparison Chart

Each Medigap plan offers a different level of coverage. Sometimes, a certain type’s availability will vary depending on when you became eligible for Medicare. While Plan F and Plan C offer the most comprehensive coverage, new enrollees can’t buy these plans. Plan G and Plan D would be the next best option for them.

MoneyGeek created the following chart, which you can use to compare coverages and average rates.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Georgia

The average cost of Medicare Supplement Plans in Georgia varies greatly depending on your plan type and the company you choose. In Georgia, Anthem offers the cheapest Plan A and UnitedHealthcare offers the most affordable rates for all other plan types.

Most companies in Georgia use Issue-Age pricing style for Medicare Supplement Plans in the state, which means that your premiums are calculated based on your age when you purchase the plan. As you get older, your premiums won’t change.

Following are the other two pricing styles:

  • Attained-Age: Companies that follow the attained-age pricing style calculate your premiums based on your current age. Your premiums increase as you get older.
  • Community-Rated: Based on this pricing style, everyone pays the same amount for a plan regardless of their age.
Average Cost of Medicare Supplement in Georgia

Sort by Plan Letter:

65

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  • Company
    Sample Monthly Rate
  • Anthem
    $122
  • UnitedHealthcare
    $125
  • Cigna
    $228

FAQs About Medicare Supplement Plans in Georgia

MoneyGeek researched the most frequently asked questions about Medicare Supplement Plans in Georgia to help you find the best option that fits your needs.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Georgia for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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