Medicare Supplement Insurance (Medigap) helps Georgia seniors and eligible disabled residents pay for healthcare costs not fully covered by Original Medicare, including deductibles, copayments, and coinsurance. In Georgia, insurers may offer up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Georgia
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | G | 313,123 |
| 2 | F | 159,280 |
| 3 | N | 36,592 |
Did you know? Georgia has one of the largest Medigap Plan G enrollments in the nation, with more than 300,000 beneficiaries choosing it over other options. This reflects a major shift away from Plan F as new enrollees seek lower premiums with nearly identical coverage.
How Medigap Pricing Works in Georgia
Insurers use different pricing methods to set premiums, which determines how your Medigap costs increase over time. In Georgia, plans may be rated in one of three ways:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age when you purchase the plan and rise with inflation, not age.
- Community rated – All beneficiaries pay the same premium, regardless of age.
Under-65 Eligibility in Georgia
Georgia law requires insurers to offer all Medigap plans to beneficiaries under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). However, premiums for this group may be higher than those charged to enrollees age 65 and older.
Choosing a Medigap Plan in Georgia
With Plan G leading enrollment by a wide margin, many Georgians choose it for strong, all-around coverage. Others opt for Plan N for lower monthly premiums or keep Plan F if they qualified before 2020. Every Medigap plan can be used nationwide at providers that accept Medicare, giving Georgia residents peace of mind whether they receive care in Atlanta, Savannah, or beyond.
To compare premiums and see plan options available in your area, visit our Medigap rate comparison page.