What Are the Best Medicare Advantage Plans in Georgia?

Once you’re enrolled in Medicare Parts A and B, you can choose a Medicare Advantage plan as an alternative. While Original Medicare helps to cover many of your healthcare costs, you’ll still be responsible for some expenses. Medicare Advantage plans feature a few extra benefits, and may include expenses like prescription drug coverage, which could help you save money.

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What Are the Best Medicare Advantage Plans in Georgia?

Private insurers sell Medicare Advantage plans in Georgia, and each insurer determines what the plan will cost. Medicare Advantage plans cover certain networks within the state, so it’s important to choose a plan that offers coverage in the area where you’ll be receiving healthcare services. Most Medicare Advantage plans include some or all of the following costs, which aren’t covered by Original Medicare:

Dental, vision, and hearing coverage
Routine medical appointment transportation
An over-the-counter supply stipend
An out-of-pocket maximum

Since each plan varies in terms of coverage, price, and the covered network, no one type of plan is necessarily the best. Instead, you’ll need to consider the types of healthcare you’re likely to need, your location, and the plan cost to determine which plan is best for you.

What Types of Georgia Medicare Advantage Plans Are Available?

In Georgia, you can choose from four types of Medicare Advantage plans. Each plan works slightly differently, so it’s important to understand the differences between the plans:

Health Maintenance Organization (HMO) plans usually require you to have a primary care physician, receive referrals for specialists, and receive your healthcare from in-network providers. These plans usually include drug coverage.
Preferred Provider Organization (PPO) plans offer more flexibility than HMO plans. PPO plans have a preferred network of providers, but you can also receive care from out-of-network providers for a higher cost. The plans usually include drug coverage but don’t require you to choose a primary care physician.
Private Fee-for-Service (PFFS) plans don’t require you to have a primary care or to get referrals for specialists. These plans often include drug coverage. You can receive care from any provider who accepts the plan’s payment terms, but may pay more if your healthcare provider doesn’t agree to the plan terms.
Special Needs Plans (SNPs) are available only for people with certain conditions, always include drug coverage, and require a primary care physician and specialist referrals.

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How Do You Sign Up for Medicare Advantage Plans in Georgia?

To sign up for a Medicare Advantage plan in Georgia, you must be 65 years old. (Individuals with disabilities might qualify for Medicare coverage before age 65.) Your Initial Enrollment period starts three months before your 65th birthday and lasts three months after your birthday, and you can sign up for Medicare during that period. After you’ve signed up for Original Medicare, you can enroll in a Georgia Medicare Advantage plan during specific times:

During your Initial Enrollment period
During the Medicare Annual Election Period, which lasts from October 15 through December 7 each year
During the annual Open Enrollment Period, which lasts from January 1 through March 31

Medicare Plan coverage varies, so be sure to carefully review the plans before making your choice. To get started, you can get a free Medicare Advantage quote today.

Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.