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Most Americans are automatically enrolled in Medicare coverage when they reach the age of 65. A person also becomes eligible for Medicare if they have received 24 disability benefits payments or have renal failure or ALS. Hence, Medicare plans also cover approximately 10 million people under 65.

It is crucial that you pick a health insurance plan that is both affordable and covers all your bases to keep up with the ever-increasing costs of medical treatment. Learn how a professional Medicare insurance agent in Georgia can help you choose the best plan for your needs.

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Medicare Options in Georgia

Medicare Supplement (Medigap) Plans in Georgia

There is no cap on out-of-pocket expenses under Original Medicare, so most beneficiaries choose to carry supplemental coverage. Medicare Supplement or Medigap plans in Georgia are designed to cover some or all the out-of-pocket payments that Medicare members would otherwise bear.

Since Medigap coverage is quite comprehensive and cannot be combined with Medicare Advantage plans, people often go for Medigap coverage instead. As of 2019, Medigap coverage was available to 378,730 Medicare beneficiaries in Georgia. This was slightly more than one-third of the state’s Original Medicare population.

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Georgia Medigap for People Younger than 65

Even if you’re disabled and under 65 and qualified for Medicare, federal rules don’t guarantee that you’ll be able to enroll in a Medigap plan. On the other hand, states are free to enact their own laws.

A guaranteed-issue Medigap policy is required by law in Georgia for everyone who enrolls in Medicare Part B, irrespective of age. Under this regulation, people who previously possessed Part B were permitted a one-time, 6-month open enrollment window, which went into effect in 2011. Everyone in Georgia now has the same six-month Medigap open enrollment period when they sign up for Medicare.

Georgia’s law states that persons under 65 can be charged higher rates but that the premium difference must be within reasonable limits. Under 65-year-olds in Georgia face much higher Medigap premiums than their older counterparts.

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An elderly couple discussing plans with a Medicare insurance agent

Comparing Medicare Advantage Plans in Georgia

By 2020, 1,027,293 Georgia residents had enrolled in Medicare Advantage. With so many options available, choosing one that covers all your needs can be difficult. Make sure you discuss all your requirements with a Medicare Insurance agent before making a decision.

Consider the following factors when evaluating your Medicare options:

Provider Network

Many Medicare plans require you to only consult providers within the plan’s network. Your medical costs may rise if you do not stay within the network of providers that you have contracted with. Find out if the physicians and hospitals you’re considering are part of the network to save money on medical bills.

Amount of Coverage Required

Think about the goals you want to achieve with your plan. Medicare Advantage and Medigap plans typically cover additional dental, vision, and hearing benefits that are not included in the original Parts A and B. When shopping for insurance, maintain a list of desired benefits so you can choose a plan that fulfills all of them.

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Freedom to Travel

Before you choose a plan, consider how much coverage you’ll need when traveling. It’s always good to have a plan that provides travel coverage, especially if you often expect to leave your coverage area. Unlike MedicareAdvantage, Medigap plans do not restrict you to a provider network. Hence, beneficiaries who travel for work or other reasons prefer Medigap plans.

Medicare Eligibility in Georgia

You must be at least 65 years old to be eligible for Medicare benefits. In Georgia, people under 65 can also apply for Medicare supplement policies. Patients of chronic or incurable conditions, such as end-stage renal disease (ESRD) and amyotrophic lateral sclerosis (ALS), also qualify for Medicare at any age.

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Medicare Enrollment in Georgia

Medicare will register you automatically if you have received at least four Social Security or Railroad Retirement Board payments before your 65thbirthday. Otherwise, you can apply online or mail your application to your local Social Security Office. We recommend going the online route since it is a much quicker process.

Enrollment in Medicare is open during the following time frames:

Initial Enrollment

This is a 7-month period that includes the month of your 65th birthday, the three months before it, and the three months after. If you enroll before turning 65, your coverage will begin during your birth month. Your insurance coverage will be delayed if you register after this time period.

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Why Should You Choose Medicare Hope Insurance Agents?

At Integrity Now Insurance Brokers, our Medicare Insurance Agents are licensed through America’s Health Insurance Plan (AHIP). We have years of experience in the health insurance industry, so you can count on us to handle all your Medicare needs. Our clients include elderly folk, youth with disabilities and chronic illnesses, and others struggling with their medical bills.

Medicare’s insurance marketplace is continuously expanding to be more inclusive. Existing plans also undergo revisions and cutbacks. You don’t have to worry about keeping track of all these changes. We’re here to take care of everything.

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A Medicare insurance agent in Georgia will review your healthcare needs and weigh all your options. This includes figuring out if a Medicare Supplement Plan or a Medicare Advantage Plan is best for you.

All our services are offered free of charge. We will help you compare quotes and find the best Medicare insurance plan for your needs for no cost on your part. We have all the information you need to start living debt and stress-free.

Call us for a free consultation with one of our representatives and get started today!

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