Georgia Medicare Supplements
Get a Quote »We offer Medicare Supplement quotes and coverage in Georgia for those age 65 and above. If you are near age 65 or shopping for better rates on your existing coverage, we can assist you.
Our independent insurance agency represents several Medigap carriers direct to consumer including: AARP, Aetna, AFLAC, Anthem, American Republic, Family Life, Gerber Life, Heartland, Forethought, Mutual of Omaha, Standard Life, United of Omaha, United Healthcare, Woodman of the World and many others.
Georgia Medicare Supplement Insurance Quotes
The ten Medicare supplement plans to choose from in Georgia are labeled A through N. Plan A offers only basic benefits not covered by Medicare while Plan F offers the most benefits.
Plans C, F, G and N are most popular when coupled with prescription Part D drug coverage. Monthly premium costs will increase from Plans A through F.
The newest plans added in June 2010 are labeled M and N. Both are cost sharing plans designed to compete with Medicare Advantage coverage. Plan N is very popular as it covers the most common gaps in Medicare and does so at an affordable price.
If you have been turned down in the past for Medigap insurance due to poor health, then you should consider Plan N as an affordable option. While it does have more out of pocket expenses than Plan F, Plan N does not have the network restrictions associated with an Advantage plan.
High Deductible Plan F And Network Coverage
Another supplement offered by a few insurance carriers is high deductible Plan F. In order for benefits to begin, you would need to reach a $2070 yearly deductible. Monthly premiums are very affordable for high deductible Plan F, but if you wish to purchase a traditional Plan F in the future, medical underwriting may be required.
Additionally, some insurance companies offer supplemental coverage with a network of doctors and hospitals to choose from as oppose to using any doctor or hospital. These are referred to as “select” plans. The advantage of purchasing a high deductible or network driven select plan is lower monthly premiums.
Medicare Eligibility And Open Enrollment In GA
If you are currently enrolled or soon to be enrolled in Medicare Parts A and B, then you are eligible to purchase supplement insurance. This period of time is referred to as open enrollment.
Open enrollment is roughly a seven month window consisting of the three months before your 65th birthday, the month including your 65th birthday, and the three months following. You cannot be denied a supplemental policy because of poor health during open enrollment. There are no waiting periods for preexisting conditions or premium rate-ups for those in open enrollment.
Retiree Medicare Health Insurance Coverage
You are eligible to purchase a supplement after age 65 if you are involuntarily losing group health insurance from a previous employer or separating from employment. You will only need proof of credible coverage from your employer to gain guaranteed acceptance into a Medigap and Part D prescription drug plan.
There are some coverage types (Plan G for instance) that are not guaranteed issue after the open enrollment window at age 65. However, most plans require no underwriting if you involuntarily lose your group coverage or a Medicare Advantage policy. So long as you are enrolling in Medicare Part B for the first time, you can purchase all supplemental plans without underwriting.
Request Information And Medigap Rates
We serve all of Georgia including Atlanta, Albany, Macon and all places in between. If you have experienced above average rate increases, are losing group coverage, or if you are soon to be age 65; then we can help you compare and purchase the supplemental plan of your choice direct. Contact us today!