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. It covers six plan types: A, C, D, F, G and M.

Find the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: June 8, 2026

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Key Takeaways

Plans C, D and M from Philadelphia American offer the most affordable Medigap rates among Georgia's popular policies, saving beneficiaries $10 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

MedMutual leads on price for the most popular plan letters, with Plan G at $162 a month and Plan N at $114 a month, both the lowest rates in MoneyGeek's Georgia rate data. AARP's Plan K at $93 a month is the cheapest single plan in our analysis. We pulled quotes across all 10 plan letters and found a gap of up to $115 a month between the cheapest and most expensive carrier for the same plan, which adds up to $1,380 a year for identical coverage.

Philadelphia American has the lowest monthly premiums for Plans M ($107), D ($174) and C ($203). Anthem posts the lowest Plan A rate at $120 a month and Transamerica charges the least for Plan B at $258 a month and Plan L at $152 a month. MedMutual is the lowest-cost carrier for Plans F ($176), G ($162) and N ($114). Georgia seniors who choose any of these carriers save $10 to $115 a month against the state average.

For most Georgia seniors shopping Medigap for the first time, Plan G through MedMutual at $162 a month is the clearest starting point. It's the lowest Plan G rate in MoneyGeek's Georgia rate data and saves $71 a month against the $233 state average. Plan G covers every Medicare gap except the Part B deductible. Plan N through MedMutual at $114 a month is the right choice for seniors on a tighter budget who can absorb out-of-pocket costs.


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.

The savings advantage of choosing the cheapest carrier for your plan letter ranges from $10 a month for Plan K up to $115 a month for Plan C. The pricing model matters as much as the starting rate. Under Attained Age Pricing, your premium rises each year as you get older. Under Issue Age Pricing, your rate is set at enrollment and increases only with general inflation, not your age. All five carriers reviewed below use Attained Age Pricing.

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
- Lowest Plan M premiums in Georgia ($107 per month)
- Plan D at $174 per month is the cheapest in the state
- Plan C rates of $203/month beat all competitors
- Six plan types available, including less common options like M and D
cons
- Premiums increase with age under Attained Age Pricing
- Plans K, L and N aren't available
Philadelphia American has the lowest monthly rates for three plan types in Georgia: Plan M at $107, Plan D at $174 and Plan C at $203. Georgia seniors can choose from six plan types: A, C, D, F, G and M.

Philadelphia American uses Attained Age Pricing. Its range includes less common options like Plans M and D, which gives seniors more room to match coverage to their budget. Philadelphia American has an A- (Excellent) AM Best rating for financial stability.
Philadelphia American's Attained Age Pricing is the main reason to look elsewhere. Seniors who enroll at 65 and hold their plan into their 70s or 80s will see rates climb annually. If you want Plans K, L or N, Philadelphia American doesn't cover them at all, Transamerica is the only Georgia carrier with all 10 plan letters. Seniors who plan to hold their plan for 10 or more years and want a rate that doesn't climb with age should compare Issue Age carriers, where premiums rise only with general inflation rather than your birthday.

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
- Lowest Plan A premium in Georgia at $120 per month
- A (Excellent) AM Best rating for financial strength
- Broad provider network across Georgia and nationwide
cons
- No Plans B, C, D, K, L and M
- Premiums rise with age under attained-age pricing
Anthem has the lowest Plan A rate in Georgia at $120 per month, which is $83 below the state average. Available plans are A, F, G and N, with premiums ranging from $120 to $456 per month for new enrollees.

Anthem uses Attained Age Pricing. Its provider network covers Georgia and the rest of the country. Anthem has an A (Excellent) AM Best rating.
Skip Anthem if you need any plan other than A, F, G or N as it doesn't cover Plans B, C, D, K, L or M. For Plan G, Anthem charges $180 a month versus MedMutual's $162, an $18 gap for the same standardized benefits. Anthem uses Attained Age Pricing, so the $83 monthly savings advantage on Plan A will decline as your rate climbs with each birthday. Seniors who need all 10 plan letters are better served by Transamerica, the only carrier in MoneyGeek's Georgia data that covers every standardized plan.

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
- Plan B premiums are the lowest in Georgia at $258 per month
- Lowest rates for cost-sharing Plans K and L ($102 and $152 per month)
- All 10 standardized plan types available
cons
- Premiums rise with age under attained-age pricing
- No high-deductible Plan G option
Transamerica is the only Georgia insurer with all 10 standardized plan types. Plan B premiums are $258 per month and Plan L is $152 per month, $46 and $42 less per month than comparable Georgia providers, respectively. Monthly premiums range from $102 to $490 across all plans.

Transamerica has an A (Excellent) AM Best rating. Its full plan lineup means seniors don't have to switch insurers if their coverage needs change over time.
Transamerica's Plan G rate is $251 per month, compared to MedMutual's $162. That's an $89 monthly gap for identical Plan G benefits. Seniors whose top priority is Plan G should choose MedMutual instead. Transamerica also uses Attained Age Pricing across all plans. Transamerica doesn't offer a high-deductible Plan G option. Seniors who want the lowest monthly Plan G premium in exchange for a higher annual deductible can't get that structure here. On standard Plan G, Transamerica charges $251 a month, $89 more than MedMutual's $162 for the same coverage. Seniors whose priority is Plan G at the lowest available rate should choose MedMutual.

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
- Premiums rise with age under attained-age pricing
- Plans B, C, K, L and M aren't available
MedMutual is a subsidiary of Medical Mutual of Ohio and covers five plan types in Georgia: A, D, F, G and N. Plan N is $114 per month, Plan G is $162 and Plan F is $176. Each is the lowest rate in Georgia for its plan letter. MedMutual saves seniors $52 to $105 a month against the state average, depending on which plan they choose.

MedMutual uses Attained Age Pricing. The insurer has an A (Excellent) AM Best rating.
MedMutual covers only five of the 10 standardized plan types. Seniors who need Plans B, C, K, L or M should choose Transamerica, the only carrier in MoneyGeek's Georgia data with all 10 plan letters. MedMutual uses Attained Age Pricing, which ties your premium to your age rather than to general inflation. Under Attained Age Pricing, MedMutual's $162 monthly Plan G rate at 65 will be higher every year after that.

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
- Most affordable Plan K option in Georgia at $93 per month
- Many supplemental plan choices
- Backed by strong financial ratings and long-term stability
cons
- Uses attained-age pricing
- No high-deductible Plan G option
AARP has the lowest price for Plan K at $93 per month, $10 less than other providers in this category. Monthly premiums for 65-year-olds range from $93 to $531 across plans. Its AM Best rating is A (Excellent).

All AARP Medicare Supplement plans are underwritten by UnitedHealthcare. AARP also provides health resources and wellness programs through its membership.
AARP's Plan G rate is $324 per month, the highest in our Georgia data and $162 more per month than MedMutual's $162. For Plan G specifically, AARP is a poor value. The insurer also uses Attained Age Pricing and doesn't offer a high-deductible Plan G option. Plan G shoppers get a better rate at MedMutual ($162 a month versus AARP's $324). AARP's Plan K at $93 a month is the lowest rate in Georgia for that plan letter.

For Plans G, F and N, MedMutual has the lowest rate in Georgia: Plan G at $162, Plan F at $176 and Plan N at $114. AARP's Plan G is $324 a month. Seniors whose priority is the lowest available rate for any of those three plans should choose MedMutual.

Find Georgia Medicare Supplement Plans That Fit Your Needs

The best Medicare Supplement company in Georgia depends on your situation. Use the table below to find the right fit:

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 range from $103 to $318 per month. Plan K is the most affordable at $103 per month and Plan C costs the most at $318 per month. Plan G is the most popular choice at $233 per month.

Plan N costs $166 per month. Plans A ($203), M ($147) and L ($194) fall in the middle of the range.


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

MedMutual's Plan G at $162 a month is $71 below the Georgia state average of $233. Georgia seniors who choose MedMutual for Plan G save $852 a year against that average.

How to Choose the Best Georgia Medicare Supplement Plan

Medicare Supplement plans in Georgia are standardized by federal law, so Plan G offers the same benefits no matter which insurer sells it. Premiums vary by company but the benefits don't. The plan letter you choose determines your out-of-pocket exposure; the carrier you choose determines your monthly cost.

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

Compare companies on price and on how they treat members in Georgia markets like Atlanta and Savannah

1
Customer Satisfaction and Complaints
Check customer satisfaction scores from J.D. Power and the NAIC before choosing an insurer. These scores show how companies treat customers and handle claims in Georgia markets like Atlanta and Savannah.
2
Plan Pricing
The same Medigap plan can cost $162 to $324 a month for Plan G depending on the insurer. Get quotes from at least three Georgia providers and compare them side by side, whether you're in Columbus, Augusta or anywhere else in the state.
3
Added Benefits
Some insurers include extras like gym memberships or wellness programs with their Medigap plans. These perks can add real savings on top of your basic Medicare Supplement coverage, whether you're in Macon, Warner Robins or anywhere else in Georgia.

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, co-insurance, copayments and the first three pints of blood. Certain plans also cover Part B excess charges, skilled nursing facility co-insurance and foreign travel emergencies. Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

For most Georgia seniors with regular health care needs, yes. Our analysis found that Plan G at $162 per month through MedMutual covers nearly all Medicare cost-sharing gaps except the Part B deductible, which is $257 in 2026. A senior with one hospitalization and several specialist visits per year can easily exceed $162 in monthly out-of-pocket costs under Original Medicare alone. Seniors with chronic conditions or limited savings get the most value from Medigap coverage.

When can I enroll in Medigap plans in Georgia?

The best time to enroll in Medigap is during your six-month open enrollment window, which starts when you turn 65 and sign up for Medicare Part B. During this period, insurers must accept your application regardless of pre-existing conditions and can't charge more based on your health history. If you apply outside this window, insurers can use medical underwriting to set 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.

What is the best supplemental insurance to have with Medicare in Georgia?

Plan G is Georgia's most comprehensive Medicare Supplement option at $162 per month through MedMutual Protect. Plan N is the low-cost choice at $114 a month, also through MedMutual Protect. Other providers include Anthem, Transamerica, Philadelphia American and AARP, covering plans A through M.

Does Georgia have a Medigap birthday rule?

No. Georgia does not give beneficiaries an annual birthday window to switch Medigap plans without medical underwriting. Your guaranteed issue rights apply at age 65 during the initial six-month open enrollment period. Outside that window, switching carriers requires health screening, and insurers can deny coverage or charge higher premiums based on medical history.

When is the best time to buy Medigap in Georgia?

At age 65, during your six-month open enrollment window that starts when you sign up for Medicare Part B. Insurers must accept your application during this window regardless of pre-existing conditions. Outside it, you'll need to pass medical underwriting. Enrolling at 65 with an Issue Age carrier also locks in the lowest possible starting rate before age-based increases begin.

Our Review Methodology

MoneyGeek collected rate data from 10 Medigap carriers in Georgia for 65-year-olds and 75-year-olds using the plan browsing tool at Medicare.gov. Data in this article references quotes for 65-year-olds in the state unless noted otherwise. Rates were collected in June 2026 for a 65-year-old nonsmoking female in Atlanta, Georgia (ZIP code 30301), using the plan comparison tool at Medicare.gov.

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

Affordability (50%): The monthly premium for a 65-year-old drives this score. Lower cost earns a higher score with no floor.
Pricing style (20%): We scored Community Pricing at 1.0, Issue Age Pricing at 0.8 and Attained Age Pricing at 0.6. A community-rated carrier charging $10 more per month can still outscore a cheaper attained-age carrier because of long-term rate stability.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

Read Full Bio »

Sources

CMS.gov. "Health Plan Finder Data." Accessed June 9, 2026.
Medicare.gov. "Welcome to Medicare." Accessed June 9, 2026.

Best Medicare Supplement Plans in Georgia (2026)

Best Cheap Medicare Supplement Companies in Georgia

Philadelphia American

Anthem

Transamerica

MedMutual

AARP

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?

What is the best supplemental insurance to have with Medicare in Georgia?

Does Georgia have a Medigap birthday rule?

When is the best time to buy Medigap in Georgia?

Our Review Methodology

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Sources