Best Medicare Advantage Plans Georgia 2025

Confused about the best Medicare Advantage plans in Georgia for 2025? Cut through the clutter with our concise comparison of the best Medicare Advantage plans in Georgia for 2025.

You’ll get the lowdown on plans from providers like Humana, UnitedHealthcare, and Aetna — highlighting costs, coverage, and ratings.

Whether it’s zero-dollar premiums or extensive networks you’re after, find out which plan ticks all your boxes and why it stands out in the ever-changing Medicare landscape.

 

Key Takeaways

  • Humana, UnitedHealthcare (AARP), and Aetna are top-rated Medicare Advantage plans in Georgia for 2025, with CMS star ratings of 4.5 and above, offering comprehensive coverage, various supplemental benefits, and high member satisfaction.

 

 

  • When selecting a Medicare Advantage plan, Georgia residents should consider factors like premiums, deductibles, in-network healthcare providers, additional benefits, and prescription drug coverage, keeping in mind the average monthly premium is projected at $16.50 for 2025.

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Top Medicare Advantage Plans in Georgia for 2025

 

Best Medicare Advantage Plans Georgia 2025 Top Medicare Advantage Plans in Georgia for 2025

 

The realm of healthcare can seem overwhelming, especially when tasked with selecting the right Medicare Advantage plan. However, Georgia provides a range of excellent options worth considering.

The top-rated Medicare Advantage plans in Georgia for 2025 include Humana, UnitedHealthcare (AARP), and Aetna. These companies have earned high CMS star ratings, with Humana and UnitedHealthcare receiving a 4.5-star rating and Aetna earning a commendable 4-star rating.

These leading companies have established a strong presence in the Georgia Medicare Advantage market:

  • UnitedHealthcare (AARP), particularly known for its cost-effective Medicare

 

  • Advantage plans, earning a 5 out of 5 rating by CMS

 

  • Humana, with a rating of 4.3

 

  • Aetna, with a rating of 4.06

 

Undoubtedly, Georgia residents are spoilt for choice with numerous high-quality options available.

 

Humana

Humana, a household name in the Medicare Advantage plans market, offers comprehensive coverage in all 159 counties in Georgia. Their robust network of over 2,000 healthcare provider contract options ensures you get the service you need, when you need it.

What distinguishes Humana from its competitors? The answer lies in their unique benefits. Humana goes above and beyond by providing Part B Premium givebacks and SilverSneakers fitness memberships.

These enticing extras, coupled with their high CMS rating of 4.3 out of 5, make Humana a compelling choice for Medicare beneficiaries in Georgia.

 

UnitedHealthcare (AARP)

UnitedHealthcare (AARP), an industry heavyweight, offers budget-friendly Medicare Advantage plans in Georgia. They offer options with $0 monthly premiums and $0 annual drug deductibles, making healthcare accessible to all.

UnitedHealthcare’s plans in Georgia offer:

  • Affordability

 

  • Wide range of medical services

 

  • Fitness programsBest Medicare Advantage Plans Georgia 2025 Top Medicare Advantage Plans in Georgia for 2025

 

  • Dental benefits

 

  • Hearing coverage

 

  • Eyewear allowances

 

With a 5 out of 5 CMS star rating, UnitedHealthcare offers top-tier quality and satisfaction.

 

Aetna

Aetna, recognized for its range of Medicare Advantage plans, addresses a variety of healthcare needs in Georgia. The company goes beyond basic coverage, offering unique benefits such as SilverSneakers fitness membership, meal deliveries post-hospitalization, and an OTC allowance.

Affordability is another strength of Aetna, with $0 monthly premium options for Medicare Advantage plans. With a respectable CMS rating of 4.06 out of 5, Aetna’s focus on total health care and coverage for worldwide emergency room and urgent care visits is clear.

 

Comparing Top Medicare Advantage Plans in Georgia

Best Medicare Advantage Plans Georgia 2025 Comparing Top Medicare Advantage Plans in Georgia

 

The choice between Original Medicare and a Medicare Advantage plan is a crucial decision that demands careful consideration. When you compare Medicare Advantage plans, key factors to consider are CMS star ratings, member satisfaction, and unique benefits of various medicare plans.

Humana shines in member satisfaction with a rating of 3.97/5, while Aetna and UnitedHealthcare also demonstrate above-average member experience ratings.

While no 5-star plans are available in Georgia for 2025, several 4.5-star plans by Humana and UnitedHealthcare are recognized for their high-quality service and customer satisfaction. Armed with this information, Georgia residents can make an informed choice that best suits their healthcare needs.

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Georgia Medicare Advantage Plan Enrollment

The process of enrolling in a Medicare Advantage plan in Georgia adheres to a defined schedule. The Initial Enrollment Period begins three months before an individual’s 65th birthday, includes the birthday month, and continues for three months after.

It’s an opportune time to explore your options and make your choice.

If you miss the Initial Enrollment Period, don’t worry. The Annual Open Enrollment Period runs from October 15 to December 7, during which beneficiaries can join, drop, or switch plans.

Any changes made during this period become effective from January 1 of the following year. It’s important to note that enrollment in a Medicare Advantage plan can include prescription drug coverage, providing an all-in-one package for your healthcare needs.

Additional Medicare Advantage Providers in Georgia

 

Best Medicare Advantage Plans Georgia 2025 Additional Medicare Advantage Providers in Georgia

 

Beyond the prominent providers, numerous other companies also provide Medicare Advantage plans in Georgia. These include:

  • Anthem Blue Cross and Blue Shield

 

  • BlueCross BlueShield of Tennessee

 

  • Cigna

 

  • Clear Spring Health

 

 

  • Kaiser Permanente

 

  • UnitedHealthcare

 

  • Wellcare

 

However, plan availability varies by ZIP code, with not all providers offering plans in every county. Therefore, it’s essential for beneficiaries to confirm plan availability in their specific ZIP code and county within Georgia.

 

Factors to Consider When Choosing a Medicare Advantage Plan

The selection of an appropriate Medicare Advantage plan in Georgia involves more than just the provider’s name and CMS ratings. Several factors come into play, and it’s crucial to pay attention to each one.

One of the key factors in evaluating a plan’s costs is examining premiums, deductibles, copays, and coinsurance related to hospital insurance.

Checking whether your preferred healthcare providers are in-network and verifying the plan’s provider directory is also important.

Also, consider if the plan offers coverage for vision, dental, and hearing, and understand how it provides for prescription drug costs. Lastly, look at the plans that offer additional benefits like fitness memberships or meal delivery services.

 

Georgia Medicare Advantage Plan Costs

From a financial perspective, the average monthly premium for Medicare Advantage plans in Georgia for 2025 is projected to be $16.50.

This makes Medicare Advantage plans an affordable healthcare option for many Georgia residents.

In addition to that, a $0-premium Medicare Advantage plan is accessible to all eligible individuals in Georgia. This provides comprehensive coverage for a range of health needs.

This means that essential healthcare services are accessible to all, regardless of their financial situation. However, it’s important to note that the average consolidated monthly premium, excluding $0 premiums, is $45.94, with an average annual drug deductible of $317.50.

Prescription Drug Coverage and Medicare Advantage Plans in Georgia

Including prescription drug coverage, most Medicare Advantage plans in Georgia, which offer Medicare coverage, are managed by private insurance companies in accordance with Medicare’s guidelines.

However, drug deductibles and out-of-pocket expenses can vary with each Medicare prescription drug plan.

For instance, the average annual drug deductible for different insurance providers are:

  • Humana: $349.31

 

  • AARP HMO-POS: $0

 

  • AARP PPO: $395

 

  • Aetna: $299.90

 

It’s crucial for beneficiaries to consult with a licensed insurance agent to check their prescription coverage under the plan’s formulary, understanding drug tiers and the plan’s specific coverage rules.

 

Eligibility Requirements for Medicare Advantage Plans in Georgia

The eligibility criteria for Medicare Advantage plans in Georgia are clear-cut. An individual must be enrolled in both Medicare Part A and Part B. Additionally, you must live within the service area of the Medicare Advantage plan you wish to join.

However, there’s a catch. If you’re currently enrolled in a Medigap policy, you wouldn’t be eligible to join a Medicare Advantage plan.

It’s advisable to check these eligibility requirements before embarking on your Medicare Advantage journey.

 

Georgia Medicare Resources

The process of selecting a Medicare Advantage plan can be intricate, and there might be times when you require some guidance. Thankfully, Georgia offers several resources, including Medicaid services, to assist you in making this important decision.

Some resources available in Georgia for Medicare open enrollment include:

  • Georgia State Health Insurance Assistance Program (SHIP), offering free, unbiased counseling about Medicare open enrollment

 

  • Division of Aging Services in Georgia, providing support and resources for seniors, including assistance with understanding and accessing Medicare benefits

 

  • Medicare.gov’s plan comparison tool, allowing Georgia residents to compare Medicare Advantage and Prescription Drug Plans available in their area.

Summary

To wrap up, navigating the complex world of Medicare Advantage plans in Georgia is a task that requires careful consideration. With top-rated plans from Humana, UnitedHealthcare, and Aetna, Georgia residents have a variety of excellent options to choose from.

Evaluating factors such as cost, provider network, prescription drug coverage, and additional benefits will help you make an informed choice. Remember, your health is your wealth, so take your time and select the plan that best suits your needs.

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Frequently Asked Questions

 

Which Medicare Advantage plan has the highest rating?

Humana is the highest-rated Medicare Advantage plan for 2025 due to its quality ratings, customer satisfaction, widespread availability, and numerous $0-per-month plans. Current customers report better healthcare quality compared to AARP/UHC.

 

Is Medicare premiums going down in 2025?

No, Medicare premiums are not going down in 2025. In fact, the standard monthly premiums are slated to rise by $9.80 per month to $174.70.

 

What is the best Medicare supplement plan in Georgia?

The best Medicare Supplement plans in Georgia are Medicare Supplement Plan F, Plan G, and Plan N. These plans are highly recommended for comprehensive coverage.

 

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers. This creates frustration and prompts beneficiaries to seek alternative coverage options.

 

What are the top Medicare Advantage Plans in Georgia for 2025?

The top Medicare Advantage Plans in Georgia for 2025 are offered by Humana, UnitedHealthcare (AARP), and Aetna, with Humana and UnitedHealthcare receiving 4.5 CMS star ratings and Aetna receiving 4 stars.

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