Practically 1.8 million folks in Georgia are signed up for Medicare, making it the tenth largest U.S. state for Medicare beneficiaries.
Medicare is the federal government well being care program for folks age 65 and older. Medicare Benefit is a bundled various to Medicare that gives all the identical advantages and normally some extras, resembling value financial savings on dental and imaginative and prescient protection.
Medicare Benefit plans supply extra advantages than Unique Medicare, and they are often cheaper than paying for Medicare and a Medicare Complement plan. Nonetheless, they provide much less flexibility because you’ll have to get care from inside the plan’s community of suppliers. Weigh your choices to find out what plan most closely fits your wants.
What to learn about Medicare in Georgia
About 1 in 7 folks in Georgia are 65 and older, and the state presents quite a lot of Medicare and Medicare Benefit plans.
The typical month-to-month premium in 2022 for a Medicare Benefit plan in Georgia is $13.55. (It was $14.31 in 2021.)
There are 157 Medicare Benefit plans obtainable in Georgia in 2022. (That is up from 148 plans in 2021.)
All Medicare-eligible folks in Georgia have entry to a $0-premium Medicare Benefit plan.
Medicare Benefit suppliers in Georgia
Prime-rated Medicare Benefit plans in Georgia
Annually, the Facilities for Medicare & Medicaid Companies, or CMS, awards each Medicare Benefit plan a star score on a scale of 1 to five, with 5 being a top-rated plan. Beneath are plans that acquired prime marks in Georgia for the 2022 plan yr. (Take a look at extra details about Medicare star rankings.)
The plans under are rated 5 stars out of 5 by the CMS:
Kaiser Permanente: Kaiser Permanente Senior Benefit Primary, Kaiser Permanente Senior Benefit Enhanced.
The plans under are rated 4.5 stars out of 5 by the CMS:
Aetna Medicare: Aetna Medicare Selection Plan, Aetna Medicare Important Plan, Aetna Medicare Freedom Plan (Cherokee County).
Cigna: Cigna Most popular Medicare (Catoosa, Dade and Walker counties).
Humana: HumanaChoice (in choose counties).
This record would not embody particular wants plans, which limit membership to folks with sure illnesses or traits, resembling having a persistent sickness or dwelling in a nursing residence.
How to decide on a Medicare Benefit plan
It’s essential to ask a couple of questions as you’re looking for the best plan. Right here’s a fast guidelines that can assist you think about your choices:
How a lot are the plan’s prices? Do you perceive what the plan’s premium, deductibles, copays and/or coinsurance will probably be? Are you able to afford them?
Is your physician in-network? If in case you have a most well-liked physician (or medical doctors) or hospital, be sure they take part within the plan’s community.
Are your prescriptions coated? In case you’re on medicine, perceive how the plan covers it. What tier are your prescribed drugs on, and are there any protection guidelines that apply to them?
Is there dental protection? Does the plan supply routine protection for imaginative and prescient, dental and listening to wants?
Are there extras? Does the plan supply any further perks, resembling health memberships, transportation advantages or meal supply?
Medicare Benefit suppliers
Get extra info under about a number of the main Medicare Benefit suppliers. These insurers supply plans in most states. The plans you possibly can select from will rely in your ZIP code and county.
If in case you have further questions on Medicare, go to Medicare.gov or name 800-MEDICARE (800-633-4227, TTY 877-486-2048).