Georgia Medicare Plans in 2026

Medicare options in Georgia

Medicare is more than just one plan. Different plans and components cover different parts of your healthcare.

• Original Medicare: This is managed by the federal government and includes two main parts: Part A (hospital insurance) and Part B (medical insurance). Neither part covers prescription drugs.
• Medicare Advantage (Part C): These plans are private plans that cover the same benefits as Original Medicare, and may also cover benefits like vision, dental, or prescription drugs. Some plans have limited provider networks, so confirm your doctors and facilities are in-network before enrolling.
• Medicare Part D: This is another private, stand-alone plan option for prescription drug coverage. You’d enroll in Part D with Original Medicare or with a Part C plan without lumped-in drug coverage.
• Medicare supplement (Medigap): These plans help cover the gaps in Original Medicare coverage, which might include copays and coinsurance. Medigap plans are standardized in most states, and you can choose among 10 plans to supplement Original Medicare. You cannot use Medigap with Medicare Advantage.

For all private Medicare options, availability varies by county, so check Medicare.gov for what’s available in your area.

Medicare enrollment in Georgia

If you live in Georgia, you can qualify for Medicare at age 65 if you’re a U.S. citizen or legal resident for at least 5 years. If you’re under 65, you may also qualify through disability, or by living with end stage renal disease (ESRD) or amyotrophic lateral sclerosis (ALS).

When choosing a plan, consider provider networks, costs, and quality ratings. You have the option to:

• Initial Enrollment: Enroll 3 months before to 3 months after your 65th birthday
• Open Enrollment: Join or change plans from October 15 to December 7
• Medicare Advantage Enrollment: Switch Advantage plans from January 1 to March 31
• Special enrollment period: Enroll after a life change, such as losing job-based coverage

If you’re eligible for Medicare due to a disability, you’ll be automatically enrolled. If you’re eligible based on age, you’ll need to enroll yourself.

What should I do next?

Medicare plans in Georgia can help you cover the cost of your health services. Whether you’re about to qualify for Medicare for the first time or want to increase your coverage, take some time to evaluate your options.

You may get enough coverage with Original Medicare in Georgia or choose to add Plan D. Depending on your situation, a Medicare Advantage plan may help save you money every month, provide additional services that suit your needs, or give you more flexibility.

When choosing between plans and carriers, you’ll first want to think about exactly what you need.

• Make a list of all medications you take. Before you enroll in a Medicare Plan in Georgia, make a comprehensive list of all prescriptions you take and what they cost. Also, consider how frequently you visit your doctor for refills and new prescriptions.
• Record or estimate the total amount you spend on healthcare each year. Depending on your medical expenses, a Medicare Advantage plan or Part D (prescription coverage) may save you money.
• Call your doctor’s office and ask what insurance providers they accept. If you’re considering a Medicare Advantage plan, many of the carriers will only work with in-network doctors.
• Read reviews of the carriers in your area and note highly rated or recommended plans or companies. You can find out how a plan performs by accessing the CMS star rating system.

Once you’ve determined your needs, take the following steps:

• Visit Medicare.gov to see a list of the Medicare Georgia plans in your area, then visit the carrier’s website for more information about specific plans.
• Narrow your search by checking CMS star ratings, using your zip code, and determining your budget as you evaluate Advantage plans.
• Enroll online, use a paper form, or call the carrier directly to enroll in a Medicare plan.

Additional resources for Medicare in Georgia

You can find more information about Medicare plans in Georgia by contacting the following organizations. They’ll be happy to provide you with more information about Medicare Georgia and help you find the plan that’s right for you.

• GeorgiaCares: Get help from the Georgia Medicare Savings Program called GeorgiaCares. As part of the State Health Insurance Assistance Program (SHIP), GeorgiaCares provides information about Medicare, free counseling services, and assistance enrolling in a Medicare plan in Georgia. They can be reached by telephone at 866-552-4464.
• Division of Aging Services: The Division of Aging Services of Georgia can provide help and support to seniors in Georgia. You can speak to someone by telephone at 866-552-4464.
• Georgia Drug Card: The Georgia Drug Card assistance program makes medications more affordable for Georgia residents. Contact 404-657-3127 for more information.

You can also call Medicare directly at 800-633-4227 to learn how to enroll in a Medicare plan in Georgia and explore your coverage options.

Takeaway

About 1.9 million people in Georgia enrolled in Medicare in 2026. Several private insurance companies offer many types of Medicare Advantage and Medigap plans in Georgia.

Overall, the monthly premium costs of Medicare Advantage plans dropped by about $7 in Georgia from 2025 to 2026.