Medicare Plans in Georgia

How Do I Enroll in Medicare in Georgia?

To enroll in Original Medicare, do one of the following:

  • Submit an online application.
  • Apply in person at a Social Security office.
  • Call 800-772-1213 to speak with a Social Security employee.

What Georgia Medicare Plans Are Available?

Medicare is a federal insurance plan for citizens age 65 and older as well as some younger individuals with qualifying disabilities. The program is broken up in different parts, each of which applies to a different type of coverage. 

Part A

Part A is the original program of Medicare and is meant to provide coverage for inpatient services. It is funded by the federal government and premiums are determined based on participation in the payroll tax system. Part A coverage includes inpatient services in a hospital, skilled nursing or surgical center facility and home health. 

Part B

Part B is the portion of Medicare that covers preventative services, including annual visits, some diagnostics and even some prescription medications. Premiums are designated based on income, which means it varies for beneficiaries. Parts A and B may be purchased as stand-alone policies for those that may not automatically be covered. 

Medicare Advantage

Medicare Advantage programs are supplemental policies that cover many of the elements of Parts A and B. Beneficiaries may choose this policy to replace A and B, though enrollment in both parts is necessary to qualify for an Advantage program. Advantage plans are administered through private insurance companies. Coverage may vary depending on the insurer, but generally is provided through one of four constructs: 

  • Private fee-for-service
  • Special needs plan
  • Health maintenance organization (HMO)
  • Preferred provider organization (PPO)

The benefit of a Medicare Advantage plan is that this option includes provisions for dental and vision services, where Parts A and B do not. 

Part D/Prescription Drug Plan

Part D of Medicare is the prescription drug plan, which is geared specifically towards medications. It is supplemental to the other components and may cover some things that the other parts do not. This is an optional feature and can be purchased as a stand-alone program. 

Beneficiaries can sign up for coverage through Part D when enrolling in the other Medicare components. However, doing so outside of the enrollment periods may incur a penalty. 

Medigap

Medigap coverage does exactly as it suggests: it fills in the financial gaps for medical and healthcare services administered through Medicare. Medigap is also administered through private insurers and may be used for copays, coinsurance and deductibles. 

As of 2020, there are almost two million Georgians enrolled in Medicare. Of this number, almost half have an Advantage plan. Every Georgia county has at least one Advantage plan option. Georgia's Medigap insurers maintain steady premiums that do not increase with the age of the beneficiary. 

However, Medigap premiums for disabled residents under the age of 65 are higher than those for traditional enrollees. 

Who Is Eligible for Georgia Medicare?

Georgia citizens are available for automatic enrollment in Medicare if they are already receiving Social Security benefits. They receive a mailed package four months prior to their 65th birthday apprising them of benefits information. 

Those who are not automatically enrolled can do so in the period three months prior to turning 65, their birth month and in the three months after that date. 

Medicare also offers special enrollment periods. The first is from January 1 through March 31, with benefits beginning as of July 1. The second is a special fall enrollment that starts October 15 and extends through December 7, with benefits kicking in January 1. 

The fall enrollment period is also the point at which enrollees can change Advantage and Part D plans. 

Those who qualify for Medicare and have either lost employer-sponsored coverage, recently moved back into the country or became ineligible for Medicaid can enroll at any time without incurring a penalty. All others may have to pay a fee for enrolling outside of the predetermined enrollment periods. 

How Do I Enroll in Medicare in Georgia?

There are three ways to enroll in Medicare in Georgia: 

  • Apply online via the Social Security Administration 
  • Call the Social Security Administration at (800) 772-1213 to speak with a live agent.
  • Make an appointment at the local Social Security Administration office to get in-person assistance. 

Average Cost of Medicare Advantage Plans in Georgia

Average Cost of Medicare Advantage Plans in Georgia
Average Monthly Premium $48.91
Average in-network out-of-pocket spending limit $6,462.07
Average drug deductible in 2022 (weighted) $271.47
Percentage of plans rated 4 stars or higher 25.6%
Average Cost of Medicare Advantage Plans in Georgia
Average Monthly Premium
$48.91
Average in-network out-of-pocket spending limit
$6,462.07
Average drug deductible in 2021 (weighted)
$271.47
Percentage of plans rated 4 stars or higher
25.6%

Georgia Medicare Advantage Plans by County

The chart below provides more information about Medicare Advantage plan costs and enrollment in Georgia by county in 2021.

Scroll to the right to continue reading the chart
County Average Premium Average Annual Drug Deductible % of Plans Rates 4 Stars or Higher # of Plans Available
Bartow $47 $265 27.0% 37
Butts $44 $287 29.3% 41
Carroll $54 $311 37.5% 24
Clayton $46 $273 26.5% 49
Coweta $49 $271 27.9% 43
Dawson $47 $269 24.3% 37
DeKalb $46 $270 27.5% 51
Douglas $49 $260 30.4% 46
Fayette $47 $271 25.5% 47
Forsyth $46 $260 28.3% 46
Fulton $48 $270 28.6% 49
Gwinnett $48 $263 29.4% 51
Henry $47 $280 27.7% 47
Jasper $50 $288 28.6% 35
Newton $44 $270 26.1% 46
Pickens $45 $285 26.3% 38
Rockdale $44 $267 24.5% 49
Spalding $46 $272 27.9% 43
Walton $44 $276 26.1% 46
Union $51 $253 26.9% 26
Warren $47 $256 24.2% 33
Washington $49 $259 26.7% 30
Webster $49 $286 30.8% 26
Wilkes $49 $276 29.6% 27
Stephens $43 $255 20.0% 35
Screven $46 $283 25.0% 28
Stewart $49 $286 30.8% 26
Talbot $45 $265 22.2% 36
Taliaferro $47 $258 25.0% 32
Towns $50 $258 26.9% 26
Randolph $45 $290 41.2% 17
Richmond $47 $262 24.2% 33
Rabun $45 $252 20.6% 34
Oconee $43 $277 22.2% 36
Morgan $42 $275 22.9% 35
Muscogee $47 $267 22.2% 36
Oglethorpe $42 $262 20.5% 39
Lincoln $49 $290 32.1% 28
Lumpkin $43 $255 20.6% 34
Madison $42 $283 24.2% 33
Marion $48 $271 25.8% 31
McDuffie $47 $262 25.0% 32
McIntosh $47 $261 21.9% 32
Jefferson $47 $256 24.2% 33
Jackson $45 $259 25.7% 35
Harris $47 $263 23.5% 34
Hart $46 $274 24.1% 29
Greene $42 $262 20.5% 39
Glynn $51 $270 30.4% 23
Habersham $45 $259 21.2% 33
Hancock $47 $258 24.2% 33
Glascock $47 $256 24.2% 33
Franklin $42 $275 21.2% 33
Evans $50 $251 24.1% 29
Effingham $48 $258 22.9% 35
Elbert $49 $276 29.6% 27
Columbia $47 $262 23.5% 34
Clarke $44 $259 21.1% 38
Chatham $45 $262 20.0% 40
Chattahoochee $48 $271 25.0% 32
Camden $49 $280 26.9% 26
Bryan $46 $255 21.1% 38
Bulloch $46 $281 34.8% 23
Burke $47 $262 25.0% 32
Baldwin $46 $265 25.8% 31
Banks $45 $255 18.2% 33
Barrow $44 $263 24.4% 45
Appling $53 $275 28.0% 25
Atkinson $54 $297 30.4% 23
Bacon $56 $294 31.8% 22
Baker $48 $289 24.1% 29
Ben Hill $54 $288 25.0% 24
Berrien $56 $294 31.8% 22
Bibb $49 $271 22.2% 36
Bleckley $52 $292 29.2% 24
Brantley $54 $297 30.4% 23
Brooks $56 $294 28.6% 21
Candler $54 $297 27.3% 22
Catoosa $53 $251 27.6% 29
Charlton $59 $278 35.0% 20
Chattooga $46 $279 20.7% 29
Cherokee $46 $270 27.9% 43
Clinch $51 $294 26.9% 26
Cobb $49 $255 28.6% 42
Cook $56 $294 28.6% 21
Coffee $50 $255 22.6% 31
Colquitt $52 $267 23.1% 26
Decatur $56 $294 28.6% 21
Dade $56 $287 33.3% 24
Crawford $49 $267 21.6% 37
Crisp $50 $261 18.8% 32
Emanuel $52 $267 23.1% 26
Echols $56 $294 28.6% 21
Dodge $50 $270 21.9% 32
Dooly $49 $266 20.7% 29
Fannin $53 $275 28.0% 25
Floyd $50 $284 28.6% 28
Gilmer $51 $267 21.9% 32
Haralson $55 $288 25.0% 28
Hall $47 $250 24.2% 33
Gordon $48 $260 23.1% 26
Grady $56 $294 28.6% 21
Heard $49 $276 20.6% 34
Houston $49 $267 21.6% 37
Irwin $51 $271 22.2% 27
Jeff Davis $56 $294 28.6% 21
Meriwether $48 $276 23.5% 34
Mitchell $56 $294 28.6% 21
Monroe $49 $272 23.5% 34
Montgomery $55 $285 29.2% 24
Macon $49 $259 22.2% 36
Long $56 $314 28.6% 21
Lowndes $65 $269 0.0% 13
Liberty $51 $267 23.3% 30
Jenkins $54 $314 30.4% 23
Johnson $53 $253 23.3% 30
Jones $49 $271 22.9% 35
Lamar $49 $272 23.5% 34
Lanier $59 $277 31.6% 19
Laurens $51 $259 24.2% 33
Paulding $49 $253 27.3% 44
Peach $49 $267 21.6% 37
Murray $53 $273 28.0% 25
Quitman $52 $278 24.0% 25
Pierce $53 $253 24.0% 25
Pike $49 $272 23.5% 34
Polk $50 $277 21.2% 33
Pulaski $50 $285 22.2% 27
Putnam $50 $273 27.6% 29
Treutlen $51 $271 22.2% 27
Troup $51 $273 22.6% 31
Turner $51 $271 22.2% 27
Twiggs $49 $267 21.6% 37
Taylor $48 $257 20.0% 35
Telfair $55 $284 26.1% 23
Thomas $56 $294 28.6% 21
Tift $50 $261 18.8% 32
Toombs $53 $246 20.7% 29
Tattnall $54 $257 25.0% 28
Seminole $59 $277 31.6% 19
Schley $49 $272 25.0% 28
Whitfield $59 $277 36.8% 19
Wilcox $50 $285 22.2% 27
Wilkinson $49 $266 23.3% 30
Worth $52 $280 25.9% 27
Wheeler $56 $295 33.3% 21
White $45 $252 15.0% 40
Wayne $53 $275 28.0% 25
Upson $51 $284 25.0% 28
Walker $65 $254 6.7% 15
Ware $53 $273 25.0% 24
Sumter $50 $321 41.2% 17
Terrell $49 $323 38.9% 18
Lee $50 $321 41.2% 17
Dougherty $50 $328 43.8% 16
Clay $50 $294 37.5% 16
Miller $54 $335 46.2% 13
Calhoun $54 $335 46.2% 13
Early $61 $311 54.5% 11

Contact Information for Georgia Medicare, Medicaid and Insurance Help

For help signing up for Medicare or choosing a plan, as well as getting assistance with other insurance options including Medicaid, there are various resources available. 

HelpAdvisor: The HelpAdvisor website offers information on enrolling in Medicare as well as eligibility criteria, resources for assistance and more. 

Georgia State Health Insurance Program (SHIP): The Georgia SHIP program provides assistance with choosing the best Medicare plan as well as help with enrollment and any other questions. 

GeorgiaCares: This public-private partnership provides assistance with Medicare enrollment as well as differentiating between the various plans. Those in need of assistance can visit the GeorgiaCares website or call (866) 552-4464.