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Georgia Medicare Insurance

Medicare is a federal health insurance program for people 65 or older. The Original Medicare Plan offers Part A and B but you are left with many gaps in your coverage. Georgia offers low cost Medicare Supplement options and Medicare Advantage plans.

Medicare Advantage plans that include prescription drug coverage as part of the plan are health plan options that are approved by Medicare but run by Georgia private insurance companies. With Medicare Advantage plans, you get all your health care through that plan because Georgia Medicare Advantage plans offer Part A, Part B, and Part D. You may also get extra benefits such as visions and dental with Medicare Advantage plans. You also do not need to get a supplemental plan with a Medicare Advantage plan.

Georgia participates in the Medicare Savings Program which pays for some of the costs of Medicare, including the Part B premium, deductibles, and co-pays. The amount of assistance you receive depends on your income and your assets.

Medicare Health Insurance Providers

How do I choose the Georgia Medicare health plan that's right for me?

There are a few things you need to consider when choosing a Georgia Supplemental Medicare Insurance Plan or Georgia Medicare Advantage Plan. It is important to determine what benefits and needs are necessary for you when choosing a plan.

  • Annual Deductible
  • Out of Pocket Maximum
  • Hospital expenses
  • Coinsurance
  • Co-pays
  • Prescription drug coverage
  • Skilled Nursing Coverage
  • Monthly Premium
  • Preventive services

Medicare Health Insurance Plans

Medicare is classified into four different categories.

  • Medicare Part A: Part A covers Hospital Insurance and gives financial assistance for inpatient care. Part A also partially covers skilled nurses, hospice, and home health care under certain conditions.
  • Medicare Part B: Part B covers necessary medical services such as outpatient care and doctor services. Some preventative care is also covered to maintain your healthy status and minimize the chances that other illnesses might become more severe.
  • Medicare Part C: Part C is a Medicare Advantage Plan. It combines Part A and Part B and in some instances, it also combines Part D. Medicare Part C plans are privately managed by insurance companies approved by Medicare. The plans cover necessary medical services, although, these plans have co-payments, coinsurance, and deductibles that can vary.
  • Medicare Part D: Part D provides assistance covering prescription drugs. The coverage will vary depending on the plan, but it may help lower your prescription drug costs and help prevent high costs in the future.