Best Medicare Advantage Plans in Georgia

Practically 1.8 million individuals in Georgia are signed up for Medicare, making it the tenth largest U.S. state for Medicare beneficiaries.

Medicare is the federal government well being care program for individuals age 65 and older. Medicare Benefit is a bundled different to Medicare that gives all the identical advantages and often some extras, reminiscent of value financial savings on dental and imaginative and prescient protection.

Medicare Benefit plans supply extra advantages than Unique Medicare, and they are often cheaper than paying for Medicare and a Medicare Complement plan. Nevertheless, they provide much less flexibility because you’ll have to get care from inside the plan’s community of suppliers. Weigh your choices to find out what plan most closely fits your wants.

About 1 in 7 individuals in Georgia are 65 and older, and the state presents quite a lot of Medicare and Medicare Benefit plans.

• The typical month-to-month premium in 2022 for a Medicare Benefit plan in Georgia is $13.55. (It was $14.31 in 2021.)

• There are 157 Medicare Benefit plans out there in Georgia in 2022. (That is up from 148 plans in 2021.)

• All Medicare-eligible individuals in Georgia have entry to a $0-premium Medicare Benefit plan.

Every year, the Facilities for Medicare & Medicaid Providers, or CMS, awards each Medicare Benefit plan a star ranking on a scale of 1 to five, with 5 being a top-rated plan. Beneath are plans that acquired prime marks in Georgia for the 2022 plan yr. (Try extra details about Medicare star rankings.)

The plans beneath are rated 5 stars out of 5 by the CMS:

• Kaiser Permanente: Kaiser Permanente Senior Benefit Primary, Kaiser Permanente Senior Benefit Enhanced.

The plans beneath are rated 4.5 stars out of 5 by the CMS:

• Aetna Medicare: Aetna Medicare Selection Plan, Aetna Medicare Important Plan, Aetna Medicare Freedom Plan (Cherokee County).

• Cigna: Cigna Most well-liked Medicare (Catoosa, Dade and Walker counties).

• Humana: HumanaChoice (in choose counties).

This record would not embrace particular wants plans, which prohibit membership to individuals with sure illnesses or traits, reminiscent of having a continual sickness or residing in a nursing house.

It’s essential to ask just a few questions as you’re purchasing for the fitting plan. Right here’s a fast guidelines that will help you think about your choices:

• How a lot are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance shall be? Are you able to afford them?

• Is your physician in-network? In case you have a most popular physician (or docs) or hospital, ensure they take part within the plan’s community.

• Are your prescriptions coated? When you’re on remedy, perceive how the plan covers it. What tier are your pharmaceuticals on, and are there any protection guidelines that apply to them?

• Is there dental protection? Does the plan supply routine protection for imaginative and prescient, dental and listening to wants?

• Are there extras? Does the plan supply any extra perks, reminiscent of health memberships, transportation advantages or meal supply?

Get extra info beneath about among the main Medicare Benefit suppliers. These insurers supply plans in most states. The plans you may select from will rely in your ZIP code and county.