What Are the Best Medicare Supplement Plans in Georgia?
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You should consider AARP/UnitedHealthcare (UHC) or Blue Cross Blue Shield (BCBS) if you're buying a Plan G Medigap policy in Georgia. They have affordable prices and a good reputation for customer satisfaction.
Aetna offers the most affordably priced Medicare Supplement Plan N policies. However, it receives far more complaints than the average Medigap provider.
What's the best Medicare Supplement company in Georgia?
AARP/UnitedHealthcare is the best overall Medigap provider in Georgia. It combines high levels of customer service with affordable pricing. Its average price for a Plan G policy is 15% cheaper than the state average.
When searching for a Medicare Supplement (Medigap) provider, you should weigh price against customer satisfaction levels since all Medigap plans of the same letter have to offer the same coverage by law.
Company | Plan G rate |
Customer satisfaction
| |
|---|---|---|---|
| AARP/UnitedHealthcare | $121 | 4.5 |
| Anthem BCBS | $123 | 2.5 |
| Humana | $134 | 1 |
| Mutual of Omaha | $135 | 5 |
| Aetna | $136 | 1.5 |
| USAA Life Insurance | $207 | 4 |
UnitedHealthcare sells its Medigap policies in partnership with AARP. That means you must sign up for AARP before you can purchase a policy. AARP membership costs just $16 per year, and you can sign up for AARP during the purchasing process.
AARP membership entitles you to dozens of discounts and perks including access to affordable vision, dental and long-term care insurance options.
Other Medicare Supplement providers that have affordable rates and widespread availability include Blue Cross Blue Shield and Mutual of Omaha.
Best overall: AARP/UnitedHealthcare
Average cost of AARP/UHC Medigap in Georgia:
- Plan K: $57
- Plan A: $108
- Plan N: $108
- Plan L: $109
- Plan G: $121
- Plan B: $166
- Plan C: $201
- Plan F: $202
In Georgia, AARP/UnitedHealthcare Medicare Supplement plans stand out for their combination of low prices and quality customer service. The company receives 62% fewer complaints than a typical Medicare Supplement provider of the same size while offering prices 8% cheaper than the state average.
AARP/UnitedHealthcare sells eight different Medigap plans, including Plans G, F and N, which collectively make up 95% of all Medicare Supplement plans sold in Georgia.
AARP/UnitedHealthcare also offers Select Plans G and N, which let you save money by limiting your coverage to a network of doctors.
AARP/UnitedHealthcare doesn't offer high-deductible Plans F and G in Georgia. Instead, those looking for cheap plans should consider Humana for those plan options since it has the lowest prices in Georgia.
Best customer service: Mutual of Omaha
Mutual of Omaha has the fewest customer complaints among all major Medigap providers in Georgia.
Average cost of Mutual of Omaha Medicare Supplement plans in Georgia:
- High-deductible Plan G: $52
- Plan N: $102
- Plan A: $133
- Plan D: $168
- Plan G: $135
- Plan F: $171
Mutual of Omaha has the fewest complaints, and it offers the best customer service among all major Medicare Supplement providers in Georgia.
It's a good idea to select a company with fewer complaints since it may have an easier claims process.
Across the board, Mutual of Omaha's plans have affordable rates. Although the company is not the most inexpensive option, every plan offered by Mutual of Omaha is cheaper than the state average with the exception of its high-deductible Plan G.
Mutual of Omaha receives less than a quarter of the complaints of a typical Medigap provider of its size. The next best Medicare Supplement provider by customer service is AARP/UnitedHealthcare, which receives less than half the complaints of a typical Medicare Supplement insurance company.
Cheapest Plan N: Aetna
Aetna has the lowest Plan N prices in Georgia, with an average cost of $96 a month. However, it may not be available in all areas.
Average cost of Aetna Medicare Supplement plans in Georgia:
- High-deductible Plan G: $43
- Plan N: $96
- Plan A: $109
- Plan B: $128
- Plan G: $136
- Plan F: $155
You should consider Aetna if you're shopping for a Medigap Plan N policy in Georgia. Its average rate of $96 a month is 11% below the statewide average.
Plan N provides an excellent compromise between coverage and affordable rates. It covers most of the same services as Plans F and G. You may also be responsible for a copay of up to $20 for some visits to the doctor and up to $50 for some emergency room visits. It also doesn't cover Part B excess charges. Only 2% of doctors who accept Medicare are authorized to make excess charges.
In Georgia, the average Plan N policy is $35 a month cheaper than Plan G and $71 a month cheaper than Plan F. That makes Plan N a better choice if you don't have any chronic health conditions.
Aetna's low Medigap prices come at the expense of quality customer service. It receives far more complaints than the average Medicare Supplement provider. If you're willing to pay more for better customer service, consider Mutual of Omaha. It has the best customer service among Georgia Medigap providers, and it offers Plan N policies for $102 a month, slightly more than Aetna's $96 average rate.
What is the average cost of a Medicare Supplement plan in Georgia?
A Medicare Supplement Plan G policy costs $143 on average in Georgia, while the average monthly price of Plan F in Georgia is $179. Compared to other states, Plan G is significantly more popular than Plan F in Georgia. That may be partly because Plan G is a better deal on average than Plan F.
Medigap plans in Georgia cost anywhere from $46 to $208 a month on average.
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Georgia Medigap plans
Medigap plan | Monthly cost |
Medicare Supplement market share
|
|---|---|---|
| Plan G | $143 | 58% |
| Plan F | $179 | 30% |
| Plan N | $108 | 7% |
| Plan C | $208 | 1.5% |
Rates are based on a 65-year-old female nonsmoker in Georgia.
Plan F and G coverage areas
- Medicare Part A out-of-pocket costs
- Medicare Part A deductible
- Medicare Part B coinsurance and copays
- Medicare Part B excess charges
- Blood transfusions up to three pints
- Part A hospice care out-of-pocket costs
- Skilled nursing facility coinsurance
The only differences between Plan F and G are the eligibility requirements and Medicare Part B deductible coverage. You can only buy Plan F if you became eligible for Medicare before Jan. 1, 2020, but anyone can buy Plan G. Plan F also covers your $226 Medicare Part B deductible, but Plan G doesn't.
The average Plan F in Georgia costs $432 more per year than a Plan G policy. You will save $206 even if you have to pay your Part B deductible.
In Georgia, Plans F and G make up 88% of all plans sold. These plans are popular because they offer comprehensive coverage. Plan N, the third most popular option, provides slightly lower levels of coverage at a reduced cost.
Frequently asked questions
What Medicare Supplement plan is the best in Georgia?
The best Medicare Supplement plans in Georgia are Plans F and G. Plan F provides the most comprehensive coverage. However, it's limited to those who became eligible for Medicare before Jan. 1, 2020. Plan G provides almost the same level of coverage, and it's open to all Medicare beneficiaries.
How much does Medigap cost in Georgia?
The average cost of Medigap ranges from a low of $46 a month for a high-deductible Plan G policy to $208 for a Plan C policy. Plan G, the most popular Medicare Supplement plan in Georgia, costs $143 a month for a 65-year-old nonsmoking woman.
What company has the cheapest Plan G Medicare Supplement policy in Georgia?
AARP/UnitedHealthcare offers the cheapest Plan G Medicare Supplement plans in Georgia, with an average price of $121 per month, among major insurance providers. Blue Cross Blue Shield comes in a close second at $123.
Methodology and sources
Average rates were compiled using actuarial data taken from Georgia Medicare Supplement providers. We included insurance providers with a Medigap market share above 2% for the state of Georgia. Medicare Supplement plan enrollment information was taken from America's Health Insurance Plans (AHIP). We based our recommendations on average prices, customer satisfaction reports from the National Association of Insurance Commissioners (NAIC) and financial strength ratings taken from AM Best.
ValuePenguin scored companies on a five-point scale using information taken from the NAIC.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | Over 75% fewer complaints than typical |
| 4.5 | 50% to 75% fewer complaints than typical |
| 4.0 | 25% to 50% fewer complaints than typical |
| 3.5 | 0% to 25% fewer complaints than typical |
| 3.0 | An average rate of complaints |
| 2.5 | 0% to 50% more complaints than typical |
| 2.0 | 50% to 100% more complaints than typical |
| 1.5 | 100% to 250% more complaints than typical |
| 1.0 | Over 250% more complaints than typical |
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Medicare supplement insurance is available to people age 65 or older enrolled in Medicare Parts A and B, and in some states to those under age 65 eligible for Medicare due to disability or end stage renal disease.
Medicare Advantage and Part D plans and benefits are offered by these carriers: Aetna Medicare, Anthem Blue Cross Blue Shield, Anthem Blue Cross, Aspire Health Plan, Cigna Healthcare, Dean Health Plan, Devoted Health, Florida Blue Medicare, GlobalHealth, Health Care Service Corporation, Healthy Blue, Humana, Molina Healthcare, Mutual of Omaha, Premera Blue Cross, Medica Central Health Plan, SCAN Health Plan, Baylor Scott & White Health Plan, Simply, UnitedHealthcare, Wellcare and WellPoint.
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