You can choose a Medicare Advantage plan in Georgia.
With a Medicare Advantage plan in Georgia, you can get extra benefits than what you could get in Original Medicare (Part A and Part B). These extra benefits include routine dental, vision, hearing and wellness programs.
There are also Medicare Advantage plans in Georgia that include prescription drug coverage all under one plan. The costs you may pay with a Medicare Advantage plan are copayments, coinsurance, deductibles, and/or premiums.
How Medicare Advantage plans work in Georgia
You can choose to get a Medicare Advantage (Medicare Part C) plan in Georgia. This plan can offer you additional benefits beyond what Original Medicare covers. Medicare-contracted private insurance companies offer these Medicare Advantage plans. By law, these plans have to include at least the same level of coverage as Original Medicare (Part A and Part B). The only exception is hospice care, which Part A covers. Here are the additional benefits that a Medicare Advantage plan includes:
- Routine dental care
- Routine vision care
- Hearing coverage
- Wellness programs
- Prescription drug coverage
There are different types of Medicare Advantage plans in Georgia, as in other states. Some of the Medicare Advantage plans available are:
- HMOs (Health Maintenance Organizations)
- PPOs (Preferred Provider Organizations)
- PFFS (Private Fee-for-Service)
- Plus other plan options.
In Georgia, the coverage, costs and availability of the plans can vary depending on which company you choose and where you live.
Medicare Advantage plans with prescription drugs in Georgia
You can get prescription drugs included in your Medicare Advantage plan in Georgia. These plans are generally called Medicare Advantage Prescription Drug plans. You will be able to get both your health care and your prescription drug coverage all under one plan. Each Medicare Advantage plan comes with a formulary which is a list of covered prescription drugs. At any time, your plan can change its formulary. If it does happen to change, then you will receive a notification from your plan.
Depending on where you live in Georgia, there may not be prescription drugs included with the Medicare Advantage plan you want. If that is the case you might be able to sign up to a stand alone Medicare Prescription Drug Plan (Medicare Part D). However, check if you can sign up to Medicare Part D because most Medicare Advantage plans don’t allow it. If your Medicare Advantage plan does include prescription drugs, you can’t sign up for a stand-alone Prescription Drug plan because you will be automatically dropped from your Medicare Advantage plan.
Researching and comparing Medicare Advantage plans in Georgia
If you are looking for a Medicare Advantage plan in Georgia, then research each plan to choose one that best fits your needs. You want to look at costs and coverage for services you need. The coverage of each plan can vary from each other. For instance, some plans offer wellness programs and prescription drugs. While others may offer dental coverage and routine vision. It depends on the plan, so it is important to research thoroughly to choose a plan that is best for you.
The costs for Medicare Advantage can also vary from plan to plan. For instance, some plans in Georgia might have free monthly premiums. However, free monthly premiums does not mean the plan is less expensive overall. You also have to factor in other costs like coinsurance, deductibles, copayments, and other out-of-pocket costs. Be aware that you still need to pay your monthly Medicare Part B premium. The Medicare Part B premium costs $144.60 in 2020.
Want to compare some of the Medicare Advantage plans available in your area of Georgia. Then submit your zip code on this page and start researching plans to choose one that best fits your needs.