Medicare Supplement Cost in Georgia
2026 Medigap Plan G, N & F rates for Georgia residents — age 65+
Non-tobacco rates. Tobacco users pay 10–20% more. Part B premium ($185/mo in 2026) is separate.
Georgia Medigap Premium Calculator
Medigap Plan Comparison — Georgia 2026
Age 65, non-tobacco. Annual Part B premium ($185/mo) is additional and the same for all plans.
| Plan | What It Covers | Monthly | Annual |
|---|---|---|---|
| Plan G | Most popular — covers all except Part B deductible | $138/mo | $1,656/yr |
| Plan N | Lower premium — $20 office copay, $50 ER copay | $110/mo | $1,320/yr |
| High-Ded. Plan G | $2,800 deductible before coverage; very low premium | $39/mo | $464/yr |
| Plan K | 50% cost-share; lower premium, higher out-of-pocket | $62/mo | $745/yr |
| Plan L | 75% cost-share; moderate premium | $83/mo | $994/yr |
| Plan F (grandfathered) | Full coverage incl. Part B deductible — not for new enrollees after 2020 | $163/mo | $1,954/yr |
Medicare Supplement in Georgia: Key Facts
Georgia has below-average Medicare Supplement rates, making it one of the more affordable states for Medigap. Atlanta and major metros have strong carrier competition. Georgia follows standard federal Medigap enrollment rules — your 6-month open enrollment window at age 65 is your guaranteed opportunity to lock in coverage at standard rates.
Buying Tips for Georgia
Georgia Medigap Plan G averages $138/month — below the national average. Compare 5+ carriers: Mutual of Omaha, Aetna, Humana, Blue Cross Blue Shield of Georgia, and AARP/UnitedHealthcare typically offer competitive rates. Apply during your 6-month open enrollment window for guaranteed issue. Georgia's SHIP (State Health Insurance Assistance Program) offers free counseling at 1-866-552-4464.
Plan G Premium by Age in Georgia
Attained-age pricing (most common): premiums increase as you age. Community-rated plans (MA, NY, CT) do not increase with age.
Georgia Pricing Model: Attained-Age
Georgia Medigap plans typically use attained-age pricing — premiums increase as you get older. A Plan G policyholder paying $138/month at 65 can expect to pay approximately $248/month at age 80. Beyond comparing today's premium, check each insurer's track record for annual rate increases — some carriers consistently raise rates 5–8%/year while others are more stable.
What Medigap Covers — and What It Doesn't
Plan G Covers in Georgia
- ✓ Part A hospital coinsurance (365 days beyond Medicare)
- ✓ Part B coinsurance / copayments (100%)
- ✓ Part A hospice care coinsurance
- ✓ Skilled nursing facility coinsurance
- ✓ Part A deductible ($1,676 in 2026)
- ✓ Foreign travel emergency (80%)
NOT Covered by Any Medigap
- ✗ Prescription drugs (need separate Part D — $0–$100/mo)
- ✗ Dental, vision, and hearing
- ✗ Long-term care / nursing home stays
- ✗ Routine physical exams beyond Medicare
- ✗ Cosmetic procedures
- ✗ Part B deductible ($240 in 2026 — Plan G)
Medigap works alongside Original Medicare (Parts A & B). You still need a separate Part D plan for prescription drugs and may want separate dental/vision coverage.
Compare Medicare Supplement Plans in Georgia
Medigap coverage is federally standardized — Plan G is Plan G everywhere. The ONLY difference between carriers is price and service. Compare all Georgia carriers to find the lowest rate for identical coverage.
Frequently Asked Questions
How much does Medicare Supplement insurance cost in Georgia?
Medicare Supplement Plan G in Georgia costs approximately $138/month for a 65-year-old non-tobacco user. Plan N averages $110/month. Rates increase with age — at 75, expect $$204/month for Plan G. This is your Medigap premium only; the standard Part B premium ($185/month in 2026) is a separate federal charge.
What is the best Medicare Supplement plan in Georgia?
Plan G is the most popular and generally the best Medigap plan for new Medicare enrollees in Georgia. It covers everything except the Part B deductible ($240 in 2026), giving you predictable costs year-round. Plan N is an excellent alternative if you're healthy and comfortable with $20 office visit copays — it costs 15–20% less. High-Deductible Plan G offers the lowest premium (~$39/month) but requires paying a $2,800 deductible before benefits kick in — best for very healthy seniors.
When can I enroll in Medicare Supplement in Georgia?
Georgia: Standard 6-month open enrollment at 65 (federal rules). Georgia SHIP provides free Medicare counseling — 1-866-552-4464; standard federal attained-age pricing
Is Medicare Supplement or Medicare Advantage better for Georgia residents?
Medicare Supplement works with Original Medicare — giving you access to any doctor or hospital that accepts Medicare nationwide with predictable costs. Medicare Advantage (Part C) often has $0 premium but uses HMO/PPO networks and has out-of-pocket maximums of $4,000–$8,300/year. Supplement is better for: those with frequent health needs, travelers, people who want any doctor/hospital. Advantage is better for: healthy seniors in strong-network areas who want low monthly costs and don't mind network restrictions.
How does Georgia Medigap pricing work — will my premium increase as I age?
Georgia Medigap plans typically use attained-age pricing — premiums increase as you get older. A Plan G policyholder paying $138/month at 65 can expect to pay approximately $248/month at age 80. Beyond comparing today's premium, check each insurer's track record for annual rate increases — some carriers consistently raise rates 5–8%/year while others are more stable.
Georgia Medigap Rates
- Plan G (age 65)
- $138/mo
- Plan N (age 65)
- $110/mo
- HD Plan G (age 65)
- $39/mo
- Plan G (age 75)
- $204/mo
- + Part B premium
- +$185/mo
Compare by State
Plan G, age 65, non-tobacco