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Medicare Advantage Plans in Georgia
What are Medicare Advantage plans?
Medicare Advantage plans in Georgia, as in other states, often expand their coverage beyond the benefits they're required to provide. Medicare Advantage plans are offered by private, Medicare-approved insurance companies, and must include Original Medicare Part A and Part B benefits (except for hospice care, covered by Part A). But many Medicare Advantage plans include prescription drug coverage and/or other benefits, like vision services.
Medicare Advantage (Medicare Part C) encompasses many different plan types. These may include Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs), Private Fee-for-Service (PFFS) plans, and other plan options. Availability, coverage and costs may fluctuate from company to company and between areas within Georgia.
Prescription drug coverage with Medicare Advantage plans in Georgia
Some Medicare Advantage plans in Georgia include prescription drug benefits, so you can keep most of your health-care benefits together in a single policy. The same is true in other states. These plans are also referred to as Medicare Advantage Prescription Drug plans, and each plan has a list of covered drugs called a formulary. The plan formulary may change at any time. You will receive notice from your plan when necessary.
If prescription drug coverage is not included with a Medicare Advantage plan in Georgia, beneficiaries may be able to enroll in a stand-alone Medicare Part D Prescription Drug Plan. However, many Medicare Advantage plans may not allow enrollment in a stand-alone Medicare Prescription Drug Plans, so check with your plan first.
Choosing a Medicare Advantage plan in Georgia
You may want to carefully consider the benefits and costs of each plan to find coverage for your health-care needs and personal budget. Benefits may vary considerably, with some plans offering coverage like vision and hearing services, and others that might provide dental care or prescription drug benefits, and others that may offer various combinations of these and more.
The overall cost of a Medicare Advantage plan in Georgia can also vary, even though some plans may have premiums as low as $0. You may want to look at all the factors that impact the cost of a plan, including not only monthly premium amounts, but deductibles, copayments, and other out-of-pocket expenses. Remember that you still need to keep paying your Medicare Part B premium along with any premium your Medicare Advantage plan may charge.
Would you like to take a look at some of the Medicare plans available in your area? Just enter your zip code in the box on this page to display a list and start comparing plans.