Georgia Medicare supplement plan cost ranges from low to high. How do you find the best Medigap plan? Are AARP 
Medicare plans better? Is Medicare supplement plan F the best?
Do you need a Medicare agent to help or can you find the BEST Medigap rates on your own?
Medigap Plans and Rates in Georgia
Table of Contents
How Much Does a Medicare Supplement Plan Cost in Georgia?
It depends.
Medigap rates are based on your age and home zip code. Most carriers also adjust rates for gender . . . men usually pay higher rates than women. Medicare supplement plan cost is generally higher for tobacco users vs. non-tobacco.
Some Medigap applications ask your height and weight. If your BMI falls outside their guidelines they will deny coverage.
Most, but not all Medigap plans charge extra for tobacco if you apply during your initial enrollment period. Some will penalize you if you have used tobacco in the last 5 years, others only ask about the last 12 months.
Many carriers will not apply the higher tobacco rate when you apply for a Medigap plan during your initial enrollment period.
In general, you should expect to pay more for a Medigap plan from major carriers like Blue Cross, the Mutual company, AARP (United Healthcare) and Humana.
When you pay more you don’t get more, you simply paid too much.
Shop and compare GA Medigap Quotes now.
How do you find the best Georgia Medigap plan?
The best plan is the one that fits your needs and budget.
With over 170 Medigap plans in Georgia, finding the best one for you is easy when you have access to the right tools. The challenge is, most consumer information is either unavailable to the public or is so technical you find it almost impossible to decipher.
If you have ever looked for Part D plans on Medicare.gov you know what I mean.
Searching Medicare supplement plan cost in Georgia is much easier, if all you want is a rate.
Are Medigap plans from AARP better?
AARP is a political lobbying organization, not an insurance carrier. Currently they endorse plans from United Healthcare in exchange for getting a cut off every premium dollar.
If you speak with an agent that represents the AARP plans you will probably only be shown rates for Medicare supplement plan F. The same will be true if you talk to agents from Blue Cross, Humana, or the Mutual company.
Plan F is their “go to” plan in most situations for a reason.
Plan F is the easiest to explain. It has the highest premium. It pays the most commission.
If you are like most consumers, you are more interested in finding the best overall value for your dollar.
At Georgia Medicare Plans, we never recommend plans from well known carriers and we never suggest plan F.
All Medicare supplement plans with the same letter are identical in every way. The 2017 Choosing a Medigap Policy booklet from Medicare even states that on page 9. They further state in bold print, “Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies”.
Why pay more if the plans are the same?
Why would a 65 year old female in Macon, Georgia pay $192 for plan F (2018 rate) endorsed by AARP, or $192 for the same plan from Blue Cross when they could have the exact same coverage for $132 per month?
Is Medicare supplement plan F the best?
We never recommend Medigap plan F. In almost every situation we find our clients would be better off financially by choosing something other than plan F.
At the same time we recognize this is your plan and your money. We can show you rates and help you compare Medicare supplement plan cost from more than 170 different carriers.
And we can do this in less than 3 minutes over the phone. Give us a call. We promise not to bite.
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