How Much Does Medigap Cost in Georgia?

How do I find affordable Medigap coverage in Georgia? How are Medicare supplement premiums determined? Is Medigap plan F the best? Which GA carriers have the lowest Medigap cost? Isn’t Medicare Advantage much less expensive? medigap cost


How much does Medigap cost in Georgia?

It’s all over the boards. A shrewd shopper can find rates less than $100 per month to over $300.

Some rate factors are beyond your control. Things like where you live and your age are what they are. Younger people (age 65) pay less than someone who is 80. Seniors in Macon pay less than someone in Atlanta.

How do you find the best Medigap rates?

  • Consider something other than plan F
  • Don’t fall prey to the “big company” syndrome
  • Never shop direct with a carrier
  • Don’t allow a stranger in your home that wants to “review your options”

We have access to over 170 Medicare plans in Georgia and will always show you the lowest Medigap cost.

medigap cost


Isn’t Medicare Advantage much less expensive?

Yes, and no.

Medicare Advantage plans have lower premiums and are great plans until you get sick and need them. If you don’t have a problem with letting an insurance company pick your doctor for you, and telling you which drugs are covered under their plan, you might actually like an Advantage plan.

Healthy people love Medicare Advantage plans.

Medigap costs less when you need health care.

You can buy a Medigap plan at any time, as long as you are healthy or in a guaranteed coverage time limit.

If you like saving money, and don’t mind a small deductible and doctor copay’s but want the freedom to use any doctor you want, we can show you a Medicare supplement plan that might fit your needs and budget.

Let us help you keep your Medigap cost affordable while offering the most flexibility in coverage.

How Much Does Medicare Supplement Plan F Cost in Georgia?

Is Medicare supplement plan F expensive in Georgia? How much should I expect to pay? Who has the lowest premiums? Is Blue Cross a good Medigap company or is Mutual of Omaha better?


Is Medicare supplement plan F expensive in Georgia?

Expensive is a relative term. The real question you should be asking is, do you need all that Medigap plan F has to offer and does it fit your budget?

Plan F is the most comprehensive of all plans in Georgia.  medicare supplement plan f

It is also the most expensive.

Perhaps this is why most agents, especially the ones that insist on coming to your home, only talk about plan F. The more expensive the plan is, the more money the agent makes.

There is nothing wrong with that. The agent has bills to pay. But personally I see no reason why an agent should expect to pay all their bills by selling you the most expensive plan in his briefcase without ever telling you about plans that deliver better value.

What do you think?


How much should you expect to pay for Medicare supplement plan F in Georgia.

Well, it depends.

Medigap rates are generally based on your age, zip code and the plan you pick. In most cases there are different rates for males vs. females, tobacco use. Some carriers also adjust rates based on your weight and insulin usage.

A female age 65, non-tobacco user living in Macon, GA could find rates for Medicare supplement plan F starting at $127 per month or as high as $250 per month. If she bought a plan from AARP she would pay $166 per month, or $176 from Blue Cross.

What does she get for an extra $39 per month from AARP or additional $49 from Blue Cross?


Medicare supplement plan F benefits are designed by Medicare. Every plan is exactly identical in every way. When you pay more you don’t get more, you simply paid too much.

Who needs that extra $500 – $600 per year more? You,  AARP or Blue Cross?

Are you paying too much? Most of our clients pocket an extra $450 per year or more in savings.

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Is Blue Cross Medicare supplement plan F better than Mutual of Omaha or AARP?

Better? No.

More expensive? Yes.

All Medicare plans are the same. You don’t have to believe me, check it out for yourself in the Choosing a Medigap Plan book from Medicare.

Is there any reason to pay more?

Not that I can think of.


Why should I buy a Medigap plan from an insurance agent rather than direct from the carrier?

Good question.

When you buy direct from a carrier (or an agent that only offers one carrier) you get . . .

  • Information on that lone carrier and nothing else
  • If you call the 800 number you “Press 1 for English” followed by get voice mail
  • Calling the carrier direct means you talk with a different person every time
  • Buying direct from the carrier gives you the same rates and plans you could have from an independent agent
  • Carriers generally only call you back when it is convenient for them
  • Carriers don’t answer your email questions
  • Carriers don’t provide a spread sheet comparison of their Medicare supplement plan to other carriers

What’s so special about Bob Vineyard and Georgia Medicare Insurance Shop?

  • You get the benefit of my 38 years experience
  • I am a “boomer” who understands your needs
  • We survey the entire Georgia Medigap market, over 170 plans, and show you the best
  • We know which carriers are brand new and offering “low-ball sucker” rates and which ones have a stable history
  • We can show you the plans with the best value, and that is rarely Medicare supplement plan F . . .

Are you ready to start saving money? Click the image below.

Medicare quote front CW

Medicare Blood Deductible

Medicare supplement plans in Georgia have a blood deductible. Medicare does not cover the first 3 pints of blood under Medicare Part A or Medicare Part B. With the cost of a pint of blood at $130+ a good Medicare supplement plan is a must.

Your Part A hospital deductible for 2011 is $1132 PER ADMISSION. Any stays beyond 60 days require you to pay $283 per day for days 61 – 90 and $561 per day for days 91 – 150.

After 150 days in the hospital you are required to pay the full charge.

Your Part B deductible for 2011 is $162 + 20% of the doctors bill for the office visit.

Georgia Medicare supplement plan F covers your Part A and Part B deductibles and coinsurance as well as your blood deductible.

Georgia Medicare Plans has affordable Medigap rates for residents all over the state.

Finding the Best Rate

Overpaying for Medicare supplement plans in Georgia is not necessary. When you pay more you don't get more, you simply paid too much. So how do you know if you got a good rate or not?

Ask an independent agent who has the best rates for your situation.

United of Omaha Medigap in GA

George has Medicare supplement plan G that he purchased from a GA agent last year when he was 66. He bought from a name carrier, United of Omaha, which is a solid Medigap company.

George has been pleased with his plan but he wanted to check out options before his next renewal so he called me. He said he was paying $110 per month for the United of Omaha plan.

We don't know what his renewal will be but I expect it to be in the range of $133 based on current rates for United of Omaha new business. He may also have to pay back premiums to cover the under-payment over the last year.

Paying the Wrong Rate

Whether through agent error or something else, George is paying a rate for a FEMALE. When United discovers the shortage he will have to pay that money back retroactive to the original effective date.

The longer he waits the more he will have to pay.

The best rate we have for plan G at age 67 is $114 per month, slightly more than the $110 he is paying but less than the $133 plus back premiums he will pay if he continues with United.

His agent did not do him any favors last year.

Finding the Best Medigap Rate

The best rate last year for a male age 66 was $94 per month which is not only less than the female rate billed by United but is less than the $123 which is the true rate that should have been charged.

Had George called me last year he could have saved over $300 in premium payments.

Georgia Insurance Shop and Georgia Medicare Plans have the most affordable Medicare supplement plans in Georgia.



Gerber, United of Omaha Offline

If you are looking online for Medicare supplement plan rates in Georgia, you will not see plans from Gerber or United of Omaha. Currently the only Medigap rates are through BCBSGA.

Nothing official, but this usually means a rate increase is coming and possibly one or more plans will no longer be available. We hope to get to the bottom of this very soon.

While Gerber and United of Omaha have been competitive in some situations, we have more affordable Medigap plans offline.

If you are looking for affordable Medicare supplement plans in GA, feel free to run a quote but for the most competitive plan ask us for a recommendation.

Affordable Medigap

Finding an affordable Medicare supplement plan in GA isn't easy. While some plans are online, they are usually higher priced than plans available through a Georgia agent that specializes in Medigap coverage.

Top agents will always have a variety of plans from BCBSGA, Gerber, Mutual of Omaha and more but there are some real gems to be found among lesser known gap plans.

We found an article on Georgia Medicare Plans to be a helpful resource in searching for affordable Medicare supplement plans in Georgia.

GA Medicare Seniors – If You Like the Plan You Have . . .

Georgia Medicare plans will not be altered, at least not yet. So if you like the plan you have you can keep it, until the next election. One of the linchpins of Obamacrap is "better management" of Medicare dollars.

That is shorthand for cutting benefits, cost shifting and reduced funding for things like Medicare Advantage plans.

The WSJ online noted the following seismic shift by HHS and the White House in a vote buying scheme to satiate GA seniors.

Last Friday, Health and Human Services released its annual "call letter," which introduces the formula that will set Medicare rates for 2012. Out of nowhere, per capita Medicare Advantage payments will increase by 1.6% on average. The update was 0% for 2011, and most Wall Street analysts were forecasting a negative update for the coming year, given that ObamaCare cuts $136 billion over a decade and indirectly steals another $70 billion through such payment adjustments.

MA plans give seniors a CHOICE which is something the government detests. They would rather control every aspect of your health care by saying you can have original Medicare or nothing.

Would this be the same Medicare Advantage that candidate Barack Obama vowed to eliminate, saying in 2007 that "We shouldn't be rewarding the insurance industry for deceiving and defrauding our seniors"? And would this be the same program that Democratic Congressman Pete Stark says is evidence that "Medicare privatization trumps moral values" for Republicans? Why yes, it would.

Sound familiar?

Yup, if Washington had their way Advantage plans would be gone. Their micro-management of the carriers that administer MA plans plus reduced funding indicates they have every intention of eliminating CHOICE for seniors when it comes to health insurance.

It's true that Advantage could be better run to favor the more efficient commercial carriers that are restraining health spending in some parts of the country. But Democrats arbitrarily hacked funding across the board, as they did in the 1990s to a similar program called Medicare+Choice. As a result of these cuts, the chief Medicare actuary expects benefits to decline and enrollment to fall by half in the next 10 years.

Truth is, Washington doesn't want you to have a choice. Allowing you to CHOOSE which plan is best for your needs and budget defeats the "one size fits all" approach that bureaucrats love.

They created Choice plans before then summarily cut the heart out of these plans by withholding funds necessary to run the program.

They did it before, they will do it again.

But only after the next election . . .

Georgia Insurance Shop and Georgia Medicare Plans support free choice, but because we believe original Medicare plus a solid supplemental insurance plan is the best overall value we specialize in providing affordable Medigap plans only to Georgia seniors.

Georgia Medicare Plans – Royal Neighbors of America Rate Increase

Georgia seniors, age 65+, will be shocked at their RNA Medicare supplement insurance renewal. Royal Neighbors is currently one of the highest priced plans in GA.

We have been quoting Medigap rates for a while now and are seeing new business rates for RNA that are about 20% higher than in force rates. This makes them the second highest priced plan in the state.

Those who have original Medicare and a supplemental insurance plan will know the only difference in one Medigap carrier to the next is the premium you pay. Doctors have no say whatsoever over which Medigap plans they will accept.

When a doctor agrees to Medicare assignment they are obligated to accept your supplemental plan as well, regardless of who the carrier may be.

Once Medicare approves your claim, your supplement carrier is obligated to pay their portion on a timely basis. They are not allowed to deny any claims approved by Medicare.

Ask for a no obligation comparison between your current plan and a new, more affordable plan. Georgia Insurance Shop and Georgia Medicare Plans have the lowest rates in the state for Medigap coverage.

Georgia Seniors in the Crosshairs – Medicare and Social Security

Georgia seniors are caught up in a financial heart attack over funding for Social Security and Medicare. Reports out of Washington, released AFTER the State of the Union speech, hold daunting news for seniors dependent on SS and Medicare to get by.

As reported by NPR, the CBO has this to say about Social Security.

Social Security will run at a deficit this year and keep on running in the red until its trust funds are drained by about 2037

Based on my family history, I figure St. Peter will call me home about the time Social Security runs out of money, so maybe I am in the clear.

This year alone, Social Security will pay out $45 billion more in retirement, disability and survivors' benefits than it collects in payroll taxes, the nonpartisan Congressional Budget Office said. That figure nearly triples to $130 billion when the new one-year cut in payroll taxes is included.

That doesn't sound good. Wonder how our line of credit with the Chinese is holding up?

This year alone Washington is expected to spend $1.5 trillion more than they take in which means those extra dollars have to come from somewhere.

So how about Medicare?

Well Medicare is sick too.

Medicare's Chief Actuary Richard Foster (the green eye-shade guy) says Obamacrap won't live up to it's promise to save money.

Well, duh!

Foster was asked by Rep. Tom McClintock, R-Calif., for a simple true or false response on two of the main assertions made by supporters of the law: that it will bring down unsustainable medical costs and will let people keep their current health insurance if they like it.


On the costs issue, "I would say false, more so than true," Foster responded.

As for people getting to keep their coverage, "not true in all cases."


Blow me away!

Obamacrap will not reduce health care costs and if you like your plan and want to keep it, too bad.

Seems like the public is getting screwed and no one bothered to buy us a drink or bring us flowers.

And bad news for Medicare beneficiaries as well.

Costs could also increase if Medicare cuts to hospitals, nursing homes and home health agencies turn out to be politically unsustainable over the years. The actuary's office has projected those cuts would eventually force about 15 percent of providers into the red. The health care law funnels savings from the Medicare cuts to provide coverage to uninsured workers and their families.

If the cuts cause Medicare providers to lose money, care to guess what happens then?

Do you suppose it will be harder to see a Medicare doctor?

Yeah, probably.

Doesn't sound good for those with Medicare Advantage plans either.

As for people getting to keep their health insurance plan, Foster's office is projecting that more than 7 million Medicare recipients in private Medicare Advantage plans will eventually have to find other coverage, cutting enrollment in the plans by about half.

Medicare Advantage plans will go poof.

We expect that to hit hard later this year (2011) when Medicare Advantage carriers send out notices of non-renewal.

If you are turning 65, or have recently turned 65 in the last 4 months it is not too late to pick up original Medicare and a good supplemental insurance plan. Georgia Insurance Shop and Georgia Medicare Plans have the lowest premiums for Medigap plans in GA.

Georgia Medicare Plans – What's in a Name?

When looking to buy a Georgia Medicare Plan, do you pay more for a name brand? Of course! Does paying more mean you get more? Absolutely not, you just paid more.

I get this a lot. Someone asks for a quote for Medicare supplemental insurance in GA and I give them the rate. Unless they specifically request a plan, I quote plan F and plan G.

In most cases, Medigap plan G is the better buy.

I never mention carrier names, other than Blue Cross or AARP. The only reason for mentioning them is, most people have heard of them and they believe those companies are better.

Whatever better is . . .

Truth is, almost every time those companies have rates higher than the Medigap carriers I quote.

All Medicare supplement plans are the same regardless of whose name is on the front of the policy. The only difference is price.

So why pay more for a "name brand" when you don't get more?

Beats me.

I guess some folks have money to burn and just like to pay more.

If you have original Medicare and are looking for an affordable Medigap plan, ask for a quote. I can almost guarantee we will beat any offer you have seen and can save you money every month.

For Georgia seniors on a fixed income isn't saving money what it's all about?

Georgia Medicare Plans, the lowest rates around.