In the state of Georgia residents have many Medicare plan options to choose from. The Standardized Medicare supplement plans such as Plan F, Plan G or Plan N are offered by many insurance carriers with different monthly premium rates. When you enroll in a Medicare supplement or Medigap plan during your open enrollment period into Medicare, you have what is called guaranteed issue rights. Meaning during this period, you are not required to answer health questions. But after the first 6 months your Part B of Medicare goes effective, you will no longer keep the guarantee issue rights to enroll in a Medicare supplement plan. After this period of time you will be fully underwritten (Asked qualifying health questions) on a Medicare supplement plan. During your first time going into Medicare, the decision is important when selecting a Medicare plan.
There are various options when selecting a Medicare Advantage plan with Part D prescription drug coverage in Georgia. If you enroll in a Medicare Advantage HMO plan it will have in network benefits only. If you enroll on a PPO plan it will have out of network benefits. There are Medicare Advantage plan options that may have a $0 monthly premium and other Medicare Advantage plans that have a monthly premium. To qualify you must be enrolled in Part A and Part B and continue to pay your Part B premium. The different Medicare Advantage plan options offered to residents in GA go by your zip code, service area or county. Residents in Georgia that live in Cobb County, Cherokee County, Gwinnett County, Dekalb County, Douglas County, may have different plan options than someone residing in Paulding county, Hall County or Rockdale County.
Recipients in Georgia that have Medicare and Medicaid benefits may qualify for a Dual Special Needs plan where available. These Medicare Advantage plans use your Medicaid benefits with the state of GA. The plans available are determined by your service area, county or zip code.
Stand Alone Part D prescription drug plans are offered by many insurance companies to Medicare recipients in Georgia and offered throughout the entire state.