Medicare Supplement Plans

Georgia Medicare supplement plans. Find affordable Medicare supplement plans in GA. Medicare supplement plan F rates in Georgia. Instant Medigap quotes. Best rates available offline on request.

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Medicare doesn’t cover everything. Each part of original Medicare has deductibles, copays and coinsurance. If you rely solely on Medicare, your out of pocket costs can be thousands of dollars. Medicare supplement plans in Georgia (Medigap) pay for items approved by Medicare but not paid for by Medicare.


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What is NOT covered by Medicare Part A?


Medicare Part A covers hospital inpatient charges after you have paid your deductible of $1,132 (in 2011). If your hospital stay is longer than 60 days you will be required to pay a daily hospital deductible of $283 for every day you are in the hospital from day 61 – 90. Longer hospital stays require you to pay a daily deductible of $566 for days 91 – 150. If your hospital stay goes beyond 150 days you are responsible for ALL of the costs associated with that stay.

Medicare does not pay for skilled nursing facilities where the stay extends beyond 100 days. It does not pay your hospital deductible, hospital coinsurance payments or skilled nursing facility copayments.

Georgia Medicare supplement policies issued after June 1, 2010 will include inpatient prescription drug and inpatient respite care as a basic benefit. Plan K covers 50% of the coinsurance for these benefits and Plan N covers 75%.


What is NOT covered by Medicare Part B?


Medicare Part B requires you to pay a deductible of $162 (in 2011) before anything is paid by Medicare. You are required to pay 20% of Medicare approved charges by your doctor AFTER you have met your $155 deductible.

Medicare only pays 80% of the APPROVED RATE for Part B services. You are responsible for the other 20%. If your doctor does not accept Medicare assignment they are allowed to balance bill you for a portion of the excess beyond what Medicare would normally pay for services.

Medicare supplement plan policies including plans G, K, L and N require you to pay a portion of your Medicare Part B coinsurance and copayments. This may result in lower supplement premiums which will save you money on a monthly basis.

All other Medicare supplement plans pay Part B coinsurance and copayments at 100%.


Medicare Supplement Plans.


GA Medicare supplement plans pay many of the doctor and hospital bills that are not covered by Medicare. This graph compares Medigap plans that are currently available.

(Click image to enlarge)


When is the best time to buy a Medigap policy?

The best time to buy a Medicare supplement plan is during your open enrollment period. Your open enrollment period starts on the first day of the month in which you turn 65 AND are enrolled in Medicare parts A and B.

During your Medicare open enrollment period a Georgia Medicare supplement company cannot refuse to offer you any  Medigap plan it sells.

They also cannot make you wait for coverage to start or charge you more for your Medicare supplement plan due to existing medical issues.

Even though the Medigap company cannot make you wait for coverage to begin they may be able to legally refuse to cover any pre-existing conditions for up to 6 months.

What is a pre-existing condition and how can I gain coverage for pre-existing conditions.

A pre-existing condition is any medical condition that existed before your Medicare benefits start and was treated or diagnosed during the 6 months prior to the effective date of your coverage.

While the Medigap policy may refuse to cover pre-existing conditions, Medicare cannot. Medicare will cover your pre-existing medical condition even if the Georgia Medicare supplement plan does not.

Can the pre-existing condition clause in a Medigap policy be waived?

Yes. If you have prior creditable coverage during the 6 months prior to the time when your Medicare benefits begin, and have not had a break in coverage of more than 63 days, your Medicare supplement plan should cover your pre-existing condition.

Learn what Medicare has to say about  Choosing a Medigap Policy.

The 2011 Guide to Health Insurance for People with Medicare is here.

Georgia Medicare Plans – Medicare supplement plan rates for GA seniors


Medicare Supplement Plans in Georgia Articles