Georgia is the Peach State

Georgia have the best peaches are recognized for their superior flavor, texture, appearance and nutritious qualities. It is also the Girl Scouts, founded in Savannah by Juliette Gordon Low in 1912.

Today there are over 9 million people living in Georgia.  Close to the national average, over 10 percent of Georgians are 65 years of age or older.  If you are already a Georgia senior or will be joining this group soon then enter your zip code above to compare Medicare Insurance plans, premiums and benefits that are appropriate for you.  GA Medicare enrollment materials and kits are available in the Enrollment section.  Consult with a Medicare Supplemental Advisor for answers to any questions you may have.

When to Enroll in a Georgia Medicare – Supplemental Insurance Plan

If you are turning 65 soon, you need to be covered under Original Medicare Part A and Part B to receive a Medicare Supplement Insurance Policy in Georgia.  You qualify for Part A, Hospital, when you or your spouse has worked for 40 quarters (ten years).  Part B, Doctors, is provided to you at a monthly cost that increases for those in higher incomes.  If you are already receiving social security payments when you turn 65, then you should be automatically enrolled into Part A and Part B.  It’s ok to call to confirm with Social Security.  If you will not be receiving social security payments when you turn 65, then you may want to call to make sure you are going to be enrolled into Part A and Part B soon.  If you have not received anything in the mail then call Social Security for information at 1-800-772-1213.  As long as you are eligible, you can enroll in Medicare Part A and Part B up to three months before and three months after your 65th birth month.

You are eligible to enroll in a GA Medicare Supplemental plan six months before your 65th birth month.  During this enrollment period, you can not be denied coverage and will not have to answer any health questions.  Although you will not receive your policy until you are covered under Medicare Part A and Part B, some insurers will still allow you to send you application and the insurer will lock your rate for not only the six months before your Part B effective date, but also the twelve months after your effective date.  For most of us, your Part B effective date is the 1st of the month in which you were born.  For those born on the 1st of the month, then your Part B effective date is moved up to the 1st of the previous month.  Contact a Medicare Supplemental Advisor for more information on these important dates.

Georgia Medicare Supplemental Insurance policies do not work with any other type of health insurance, including Medicare Advantage Plans, employer/union group Medicare coverage, Veterans Administration benefits, or TRICARE.

Georgia Medicare Supplemental Insurance Plan Comparisons

Georgia seniors are eligible to compare GA Medicare premiums and switch their current GA Medicare Supplement plan to a new GA Medicare Supplement plan at any time during the year.  As long as you can answer the health questions then getting approved into a new plan is a way to reduce your premiums.  Every year, some GA Medicare Advantage and Medicare prescription drug plans choose not to renew their existing Medicare contracts.  If your GA Medicare Advantage Plan provider sent you a non-renewal notice this year, then that notice will serve you to enroll into a GA Medicare Supplement plan without having to answer health questions.  Contact a Georgia licensed Medicare Supplement specialist for this and other conditions that are important to understand for your benefit.

Georgia Medicare Excess Charges

Several states have mandated that Medicare providers are not able to charge more than what Medicare allows.  That means that for those providers that accept Medicare cannot charge Excess Charges.  The states include Connecticut, Massachusetts, Minnesota, New York, Ohio, Pennsylvania, Rhode Island and Vermont.  In all other states, providers are able to bill up to 15% of what Medicare Allows directly to the Medicare Beneficiary (you).  GA Medicare Supplement Insurance policyholders with Plans F and Plan G have coverage for Part B Excess Charges.

Georgia Medicare Supplement Insurance Plan Standardization

In 1990, the Medicare Supplement Plans were standardized into 15 plans labeled Plan A through Plan L.  Then in June of 2010, the Medicare Supplement Plans were “Modernized” to streamline under utilized benefits.  Today, there are 10 Medicare Supplement plans labeled Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M and Medicare Supplement Plan N.  All benefits have been standardized according to the plan letter.  So even if you live in a different county or state, Plan F in Atlanta, has the same benefits as Plan F in Savannah.  Plan F is standardized across all states.  Also the Georgia Mutual of Omaha Plan F has the same benefits as the Georgia AARP United HealthCare Plan F.  A key differentiator is the premium that each company charges for their Plan F.  Talk to a Medicare Supplemental Advisor to discuss this and other important factors in selecting a health care company.  Other providers of Medicare Supplemental Insurance plans include AARP, Mutual of Omaha, Gerber Life, United HealthCare, Blue Cross Blue Shield, Assured Life, New Era Life and Genworth.

Georgia Part D Prescription Drug Coverage

While some Georgia Medicare Advantage Plans have Part D Prescription Drug coverage included with the plan, Medicare Supplemental Plans do not.  And even though you do not take prescription medicine, you may want to pick up a low cost Part D plan in order to have availability to lower cost prescription drugs when you need them.  And, by enrolling in a Medicare Part D Plan when you are eligible, you will avoid penalties for not having a plan in the future.  Please call Medicare Supplemental Advisors at (610) 269-3400 for more information on this subject.

One of the benefits of have a separate Medicare Part D Prescription Drug Plan in Georgia is to have the ability to calculate and compare the different drug formularies that have the lowest possible cost per year based on your generic and/or brand name drugs that are specific to you.  Not just the formulary that comes with a Medicare Advantage Plan.  With a separate Part D plan, you can check every year during the annual open enrollment period which plan best for you and your current formulary.  Contact us or complete the form in Part D with your prescription name and dose per day to get a list of approved Part D companies that best meet your prescription requirements.  As part of our service to you, we will be happy to help you find a plan tailored to cover your prescription drug formulary.

Medicare Supplemental is an informational website.  Please consult with a Licensed Medicare Supplemental Advisor in order to confirm your selection of the best plan and rates.  Medicare Supplemental Advisors is an independent agency and is not connected with or endorsed by the United States Government or with the Federal Medicare Program.

Georgia Medicare – Supplemental Insurance Plans (Medigap)