I am Keith Faris, an independent Medicare specialist licensed in Georgia and 12 other states. This page covers everything you need to know about Medicare in Georgia for 2026, including costs, top carriers, local resources, and how to enroll.
Georgia Medicare At a Glance (2026)
On this page
Cities and regions we serve in Georgia
Whether you live in a major Georgia metro or a small town, we work with Georgia residents statewide by phone, video, or in person depending on location. Georgia's major regions include: Metro Atlanta, North Georgia, Coastal Georgia, Central Georgia, Southwest Georgia.
Not seeing your city? We work statewide in Georgia. Call 1-888-289-1198 or send a message.
Georgia's Medicare market: what you need to know
Georgia's Medicare market is dominated by Metro Atlanta, which has dozens of Medicare Advantage plans. Rural areas of Georgia have fewer options. Anthem (BCBS of Georgia) has strong market share in Medigap.
Snowbird and travel note: Georgia is increasingly popular for retirees from the Northeast. The state offers a Senior Property Tax exemption and partial Social Security exemption.
GeorgiaCares is the state's SHIP program and provides free Medicare counseling through Area Agencies on Aging. Georgia is known for its growing retirement communities, especially in the mountains (Blue Ridge area) and coast (Savannah area).
Top Medicare carriers in Georgia
Top Medicare Advantage carriers in Georgia
- Humana
- UnitedHealthcare
- Aetna
- WellCare
- Anthem
Top Medicare Supplement (Medigap) carriers in Georgia
- Mutual of Omaha
- UnitedHealthcare/AARP
- Cigna
- Anthem Blue Cross
- Aetna
Because we are an independent agency, we represent every major carrier in Georgia (and others). That means we can show you plans from any of these companies and find what actually fits your doctors, prescriptions, and budget. Read our guide on independent agents to learn why this matters.
Georgia Medigap rules
Georgia does not have a birthday rule for Medigap, which means switching Medicare Supplement carriers after your initial enrollment usually requires medical underwriting. Carriers can ask about your health and may deny coverage or charge more.
This makes the initial 6-month Medigap Open Enrollment Period (starting when you turn 65 and have Part B) extremely important. Pick wisely the first time, because changing later is harder.
How much does Medicare cost in Georgia?
Medicare costs in Georgia for 2026:
- Part A (hospital): $0/month for most Georgia residents who worked 10+ years
- Part B (medical): $202.90/month standard nationwide (higher with IRMAA for higher incomes)
- Part D (drugs): $10-90/month for a plan, $2,100/year out-of-pocket cap
- Medigap (optional): Average $120-170/month for Plan G in Georgia
- Medicare Advantage: Often $0/month beyond your Part B premium
A typical Georgia resident pays $3,000-$7,000 per year total for Medicare depending on which coverage path they choose. See our complete 2026 Medicare cost guide for detailed scenarios.
Free Medicare resources for Georgia residents
- GeorgiaCares (SHIP): 1-866-552-4464 - Free, unbiased Medicare counseling
- Georgia Medicaid: 1-866-211-0950 - Medicare Savings Program applications (QMB, SLMB, QI)
- Aging services in Georgia: aging.georgia.gov
- Medicare.gov Plan Finder: Search plans available in your Georgia zip code
- Social Security Administration: 1-800-772-1213 - Medicare enrollment, Extra Help applications
How a Medicare call with Keith works
A free 20-minute call is the easiest way to find out if I can help your Georgia situation. Here is what we cover:
- A simple explanation of how Medicare actually works for Georgia residents
- The top 3 Medicare Supplement (Medigap) options in your Georgia zip code with real premium numbers
- The top 3 Medicare Advantage plans available in your county, checked against your specific doctors and prescriptions
- A side-by-side comparison so you can see the trade-offs in real dollars
- Answers to your specific questions, no scripts
- A check on whether you qualify for Georgia Medicare Savings Programs or Extra Help
- Zero obligation to enroll in anything
What I help Georgia clients with
- Medicare Supplements (Medigap) in Georgia: Plans G, N, F, High-Deductible G
- Medicare Advantage plans for Georgia: HMO, PPO, and Special Needs Plans
- Prescription Drug Plans (Part D) with annual reviews
- Senior life insurance: final expense and term
- Fixed indexed annuities
- Annual plan reviews every fall during AEP (October 15 - December 7)
- IRMAA appeals using Form SSA-44 for Georgia residents with reduced income
- Medicare Savings Programs (QMB, SLMB, QI) eligibility screening
Free Medicare tools for Georgia residents
Start on your own with these free tools (no signup required):
- Medicare Plan Picker Quiz - find out if a Supplement or Advantage plan fits you
- Medicare Timing Checker - see exactly when you can enroll
- IRMAA Calculator - find out if you will owe an income-based surcharge
- Penalty Calculator - what late enrollment would cost
- Should I Switch? Tool - decision tool for Annual Enrollment
Georgia Medicare FAQ
How much does Medicare cost in Georgia?
The Part B premium ($202.90/month in 2026) is the same nationwide. Georgia residents pay an average of $120-170/month for a Medicare Supplement Plan G. Medicare Advantage plans in Georgia are often $0/month beyond Part B. Total annual Medicare costs in Georgia typically run $3,000-$7,000 depending on your coverage choice. See our full 2026 cost guide.
How many Medicare Advantage plans are available in Georgia?
Georgia has 30-40 plans in metro Atlanta in major metro areas. Rural counties have fewer options. 46% of Georgia Medicare beneficiaries are enrolled in Medicare Advantage plans, compared to the national average of about 51%.
Who are the top Medicare carriers in Georgia?
The top Medicare Advantage carriers in Georgia are Humana, UnitedHealthcare, Aetna, and others. The top Medigap (Medicare Supplement) carriers include Mutual of Omaha, UnitedHealthcare/AARP, Cigna, plus regional options. An independent agent can compare plans across all of these in one conversation.
When can I enroll in Medicare in Georgia?
The Medicare enrollment windows are the same in every state. You have a 7-month Initial Enrollment Period around your 65th birthday. The Annual Enrollment Period runs October 15 to December 7 every year. Special Enrollment Periods may apply if you have a qualifying life event. See our AEP 2026 guide.
Where can I get free Medicare help in Georgia?
Georgia residents can call GeorgiaCares at 1-866-552-4464 for free, unbiased Medicare counseling. The state Medicaid office handles Medicare Savings Programs applications and can be reached at 1-866-211-0950. Visit aging.georgia.gov for more state aging resources.
