It May Not Be Enough

Georgia Medicare is a form of federal health insurance available who are over the age of 65 or qualify due to reason of disability. Medicare covers almost everything deemed medically necessary.
However, Just Georgia Medicare alone leaves very large financial gaps that you as a Medicare Beneficiary are responsible for. This is why a Medicare Supplemental is mandatory because unless you’re incredibly wealthy, the amount Medicare doesn’t cover can leave you with huge bills. Medicare Supplemental insurance helps covers most of, if not 100%, of the gaps in Medicare A&B. That means all of your bills are paid for and the only thing you ever have to pay is the premium for your Medicare supplement.


Do Your Research

Georgia residents have several Georgia Medicare Supplement Plans to pay the gaps in Georgia Medicare that would normally result in large out of pocket expenses for you as a Medicare beneficiary. Although the Plan F option is what approximately 50% of people on Georgia Medicare choose, there are plans designed to help people with different needs living in this particular state. All of these plans are designed to help cover the out of pocket costs such as deductibles, copays and coinsurance not covered by Georgia Medicare.

Here is a basic pros/cons overview regarding the Georgia Medigap or Georgia Medicare Supplement Plans insurance plans.


Multiple Options – By having multiple private insurance companies to choose from, consumers have competition to shop between to better find the right insurance for their needs at a price they can afford. We focus on 3 of these plans, but all plans will be considered based on your needs. 6-Month Open Enrollment – The open enrollment period starts when a person turns 65 and they have 6 months from that date to research and make a decision on supplemental insurance without a penalty and without being able to be turned down.
Savings- If you end up unhealthy, a reasonable monthly premium is a small price to pay to offset the thousands of dollars you would have to pay if you did not have a supplement. If you’re very health and currently wouldn’t use a Georgia Medicare supplement plan often, that’s okay. You need to purchase a supplement plan while you’re healthy, once you purchase a supplement plan you can never lose it, but if you wait until you’re unhealthy, chances are you won’t qualify and won’t be able to get one.
Uniform Plan Benefits – The benefits offered by insurance companies for their Georgia Medicare Supplement Plans or Georgia Medigap policies are all the same. The costs of these policies are not the same however, so it is important to shop around for the best price.


Pre-Existing Conditions – Some pre-existing conditions can affect when certain supplemental insurance plans take effect. Some conditions with certain policies can have a 6-month waiting period before the supplemental insurance kicks in. This does not affect the actual Georgia Medicare Part A or Part B, which does not have this condition. Make sure to ask if the policy you are considering has this stipulation.
Premiums – Georgia Medicare Supplement Plan premiums range on average from $100 to around $200 per month for one person. For someone on a fixed income, this can be quite a lot of money. Finding the right plan at the best price is crucial.

Insurance, in general, can be quite confusing. Add in the rules of Georgia Medicare and trying to figure out what kind of Georgia Medicare Supplement Plan you might need, and your head can easily get lost in a fog of information. However, you are not alone in your search. Speaking with an experienced Independent agent is an important part to choosing a Georgia Medicare supplement plan. If you’re working with the right agent they will not high pressure you but instead answer any of your questions and provide you with information you need to make a knowledgeable and comfortable decision. A good agent has done the research, compiled the information and made it readily available to you. The key to finding clear answers about your Georgia Medicare insurance needs is to work with an agent that puts your needs first.

Be Prepared

Know Your History – Do a detailed review of your medical history over the past couple of years so that you have an idea how often you received medical treatment and the costs of those treatments; both what you paid and what was charged.
Know Your Medications – Make a list of your prescriptions and verify that the plans offered cover them and how much is covered. Know the costs of the medication so you know what your out of pocket expenses will be.
If you prepare yourself by having an intimate knowledge of your current medical expenses, both incurred and paid, you will have the information you need to ask the right questions when choosing your Georgia Medicare Supplement Plan.


Let Us Help

Georgia Medicare Quotes are easy to understand once you know how Georgia Medicare Supplement Plans work. Like most states, Georgia uses the letter plan designations from the “Choosing a Medigap Supplement” guide provided by centers for Medicare services. It explains everything fully, but it can be explained by in a much simpler form by an agent.

Georgia Medicare F Supplement: Covers 100% of all deductibles and coinsurance from Medicare parts A and B.
Georgia Medicare G Supplement: Covers 100% after the Medicare part B deductible has been met.
Georgia Medicare N Supplement: Covers all except a 20 dollar copay for the doctor’s office and 50 dollar copay for the emergency room, after the part B deductible has been met.

As you can see, the plans are not that confusing to understand when you look at the three most commonly used and easy to understand plans. These are the Georgia Medicare Supplement Plans we most commonly quote to our clients because we want to make sure that your Georgia Medicare insurance is easy to use and understand.

Here at we understand Georgia Medicare and the different companies available for Medicare Supplement Insurance. We offer great carriers in Georgia including:
BlueCross BlueShield
Continental Life
Mutual of Omaha
New Era
And many others.

These make up some of the best values in Georgia Medicare. We are adding new companies all the time, and we use technology to check the rates of all the available companies so that we know you are getting the best value for your money. We want to ensure that we are offering you the best Georgia Medicare Supplement Quotes possible.

It is easy to get great rates on Georgia Medicare Supplement Quotes by filling out our quick form. You will be contacted by one of our independent agents who will take the time to help you choose a plan that best suits your specific needs.

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