Medicare Supplement And Medicare Advantage Plans

MEDICARE SUPPLEMENT AND MEDICARE ADVANTAGE PLANS

AARP, BlueCross, Cigna, Humana, Mutual of Omaha, United Healthcare

Medicare Supplement Plans enrollment and eligibility

To be eligible to enroll in a Medicare Supplement (Medigap) Insurance plan, offered by private health insurance companies, Georgia residents must be enrolled in both Medicare Part A and Medicare Part B.

Generally, the best time to learn about your options is 4 months prior to turning 65. As with all Georgia Health Insurance Marketplace offered plans, you will only speak with one Georgia Health insurance Marketplace representative and your initial inquiry will mean that you will NOT receive multiple calls from multiple health insurance agents

A good time for Georgia residents to enroll in a Medicare Supplement (Medigap) Insurance Plan is generally during your Medicare Initial Enrollment Period, which begins 3 months prior to the first day of the month that you turn 65 and 3 months after you turn 65.

During this period, you have a guaranteed-issue right to join any Medicare Supplement (Medigap) Insurance Plan available in Georgia. You may not be denied basic benefits based on any pre-existing conditions during this initial enrollment period.

Medicare Supplement Plans do NOT include Prescription Drug Coverage or Dental or Vision. However, many Medicare Advantage Plans (Part C) include Prescription Drug Coverage and may also include dental, vision, and hearing benefits.

For many lower and middle-income Georgia residents, purchasing both a Medicare Supplement (Medigap) Plan and a Prescription Drug Plan as well may be costly. For this reason, Medicare Advantage Plans with Prescription Drugs (MAPD Plans) may be a more affordable choice

Medicare Advantage Insurance Plans (MA Plans) (Part C) Medicare Advantage Prescription Drug Plans (MAPD Plans) (Part C and Part D)

To be eligible to enroll in a MA Plan or an MAPD Plan, offered by private health insurance companies, Georgia residents must be enrolled in both Medicare Part A and Medicare Part B.

Generally, the best time to learn about your options is 4 months prior to turning 65. As with all Georgia Health Insurance Marketplace offered plans, you will only speak with one Georgia Health insurance Marketplace representative and your initial inquiry will mean that you will NOT receive multiple calls from multiple health insurance agents

A good time for Georgia residents to enroll in a MA or MAPD Plan is generally during your Medicare Initial Enrollment Period, which begins 3 months prior to the first day of the month that you turn 65 and 3 months after you turn 65.

During this period, you have a guaranteed-issue right to join any MA or MAPD Plan available in Georgia. You may not be denied basic benefits based on any pre-existing conditions during this initial enrollment period..

Medicare Advantage Insurance Plans (Part C) are plans offered by private health insurance companies in Georgia and must be approved by Medicare. Medicare Advantage Insurance Plans offer the exact same benefits (and often more) than Original Medicare (Part A and Part B) and may also include additional coverage including Part D, Prescription Drug Coverage as well as dental, vision and hearing benefits, wellness programs and other benefits.

With an MAPD Plan (Part C and Part D) Georgia residents get prescription drug benefits (Medicare Part D) included under the same plan.

Medicare Advantage Prescription Drug plans offer Georgia residents the convenience and affordability of having Original Medicare Part A, Part B, as well as Part D coverage through a single plan.

The following are types of MA and MAPD Plans that may be available in your Georgia county:

Health Maintenance Organization (HMO) plans: These plans offer a network of Georgia doctors and hospitals that members are generally required to use to be covered. You generally need to get a referral from your primary care doctor to see a specialist.

Preferred Provider Organization (PPO) plans: Medicare Advantage PPO plans offer a network of Georgia doctors and hospitals for members to choose from. Georgia residents have the option to receive care from providers outside of the plan’s network, but you’ll pay higher out-of-pocket costs. Medicare
Advantage PPOs don’t require you to have a primary care doctor, and you don’t need referrals for specialist care.

Special Needs Plans (SNPs): These plans limit enrollment to Georgia beneficiaries who have certain chronic conditions, are institutionalized, or qualify for both Medicare and state Medicaid (a Georgia resident with dual eligibility). Benefits, provider options, and prescription drugs are tailored to meet the needs of the qualifying member. Georgia Health Insurance Marketplace can immediately let you know if you qualify.

MEDICARE SUPPLEMENT AND MEDICARE ADVANTAGE PLANS

AARP, BlueCross, Cigna, Humana, Mutual of Omaha, United Healthcare