Georgia Medicare Medigap Standardized Plans Comparison (2026)

A Plan G Medigap policy from one Georgia insurer pays the exact same benefits as a Plan G from any other, so the only real differences are price and service. Comparing Georgia Medicare Medigap standardized plans starts there: federal standardization defines ten plan letters, Plans A, B, C, D, F, G, K, L, M, and N, and every policy with a given letter carries identical benefits across all carriers nationwide. A beneficiary comparing Plan G from Mutual of Omaha to Plan G from AARP/UnitedHealthcare to Plan G from Cigna is comparing identical coverage at potentially different premiums; only the price, customer service, financial stability, rating method, and ancillary perks vary. This guide walks through each plan letter, the federal restriction that closed Plans C and F to anyone first eligible for Medicare on or after January 1, 2020, the High-Deductible Plan F and Plan G variants, the Plan K and Plan L cost-sharing plans, the Georgia carrier landscape, and how to choose the right plan letter for your healthcare usage and budget.

What Medigap Standardization Is

Medigap standardization is the federal framework that gives every plan letter a uniform benefits package, so beneficiaries can compare plans by letter (benefit comparison) and then compare carriers by price (premium comparison) without hidden coverage differences. Medicare.gov states the rule plainly: all plans with the same letter offer the same basic benefits, no matter where you live or which insurance company you buy from.1

Standardization rests on:

• Federal Medigap standardization under Section 1882 of the Social Security Act (42 U.S.C. 1395ss), which created the letter-designated plan framework. Before standardization, Medigap plans varied widely with hidden differences in coverage, making consumer comparison nearly impossible.
• Federal Medigap regulations, which define each plan letter's benefits with precision. Carriers cannot deviate from federally defined benefits.
• The MACRA restriction, which closed Plan C and Plan F to beneficiaries first eligible for Medicare on or after January 1, 2020.2
• NAIC model regulation for Medigap, the National Association of Insurance Commissioners model framework adopted by states.

For Georgia eldercare specifically, plan letter selection is the second most consequential Medigap decision, after the decision to choose Medigap versus Medicare Advantage. The plan letter determines the benefits the beneficiary gets for the rest of their life on Medigap; the carrier determines the price. Getting the plan letter right at the start of Medigap enrollment, usually during the six-month Medigap Open Enrollment Period, can save thousands of dollars over decades and avoid coverage gaps.2

Why Medigap Plan Comparison Matters in Georgia

Plan comparison matters in Georgia because:

Standardization simplifies comparison but requires plan-letter literacy. Standardization makes carrier comparison fair, but beneficiaries still need to understand which plan letter fits their healthcare usage and financial situation. A beneficiary who picks Plan A because it has the lowest premium will pay substantially more over time than one who picks Plan G, given routine healthcare usage.

A competitive Georgia marketplace. Many carriers compete for every plan letter in Georgia. The same Plan G can have very different premiums across carriers in the Atlanta metro area. Plan-letter-first comparison enables fair price comparison.

Plan G is what a post-2020 buyer gets instead of Plan F. Plan F is closed to anyone who first became eligible for Medicare on or after January 1, 2020, and Plan G covers everything Plan F covers except the Part B deductible ($283 in 2026).2,3

Plan N is the cost-conscious alternative. Plan N has lower premiums than Plan G but adds an office visit copay of up to $20 and an emergency room copay of up to $50 (waived if you are admitted). For beneficiaries who do not visit the doctor frequently, Plan N can be cheaper overall than Plan G even after copays.1

Plans K and L offer cost-sharing with OOP limits. Plans K and L pay 50% and 75% of most benefits respectively, with annually-indexed federal out-of-pocket limits published by CMS. Best for healthy beneficiaries comfortable with higher upfront costs.1

High-Deductible Plan G trades premium for a deductible. Same benefits as Plan G but with an annual federal deductible of $2,950 in 2026 that you pay before the policy begins to pay. The premium is very low. Best for healthy beneficiaries who view Medigap primarily as catastrophic protection.1

Pre-2020 versus post-2020 timing matters. Beneficiaries first eligible for Medicare before January 1, 2020 can still purchase Plan C or Plan F. Post-2020 eligible beneficiaries cannot. This timing distinction affects which plan letters are available to you.2

For Georgia eldercare specifically:

• A large statewide Medicare beneficiary population, with a meaningful share on Original Medicare plus Medigap
• All 10 plan letters available statewide
• Plan G is available to post-2020 beneficiaries and covers everything Plan F covers except the Part B deductible
• Plan N carries a lower premium in exchange for office-visit and emergency-room copays
• GeorgiaCares SHIP provides free plan comparison counseling4
• The Georgia Office of Commissioner of Insurance handles Medigap complaints5

Federal Legal Framework

The Medigap standardization framework rests on federal statutory and regulatory authority:

Federal Medigap standardization under Section 1882 of the Social Security Act (42 U.S.C. 1395ss) created the lettered plan system. Before standardization, Medigap plans had inconsistent benefits, making comparison nearly impossible. The letter-plan system has evolved through subsequent amendments.

Federal Medigap regulations define each plan letter's benefits with precision. Carriers cannot deviate from federally defined benefits.

The Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) prohibits the sale of Medigap policies that cover the Part B deductible (Plans C and F) to beneficiaries first eligible for Medicare on or after January 1, 2020. Beneficiaries first eligible before that date can still hold or purchase Plan C and Plan F. The restriction was designed to preserve meaningful cost-sharing on outpatient services for newly eligible beneficiaries.2

Federal Medigap open enrollment and guaranteed-issue rules set the parameters for the six-month Medigap Open Enrollment Period, pre-existing condition limitations, and guaranteed-issue triggers outside the open enrollment window.2

NAIC model regulation for Medigap. A model framework adopted by states, with variations. It defines the benefit specifications for each plan letter.

Georgia state insurance code. State-level Medigap regulation is administered by the Georgia Office of Commissioner of Insurance. Georgia adopts most NAIC model provisions and applies the federal plan letter definitions, and it does not have an annual "birthday rule" or other state-mandated guaranteed-issue window to switch plans after the six-month open enrollment period closes.5

The Ten Standardized Plan Letters

Ten plan letters can look overwhelming, but most Georgia beneficiaries land on one of two: Plan G (comprehensive coverage) or Plan N (a lower premium with small copays). The other eight letters exist for specific situations, such as pre-2020 eligibility (Plans C and F), cost-sharing with an out-of-pocket cap (Plans K and L), or a lighter benefit package (Plans A, B, D, M). Start with the comparison table below to see every letter at a glance, then read the detail on the one or two you are actually weighing.1

*Plan N requires an office visit copay of up to $20 and an emergency room copay of up to $50 (waived if you are admitted). Plans C and F are restricted to beneficiaries first eligible for Medicare before January 1, 2020. The federal foreign-travel-emergency benefit pays 80% of billed charges after a $250 annual deductible, up to a $50,000 lifetime maximum. The annually-indexed federal OOP limits for Plans K and L are published by CMS; verify the current-year amounts on the Medigap page at Medicare.gov.1,6

Plan A: Basic Coverage

Plan A is the most basic standardized Medigap plan and the only plan letter that all Medigap carriers must offer. Federal law requires every carrier selling any Medigap plan in a state to also offer Plan A.

Plan A covers:1

• Part A coinsurance plus 365 extra hospital days after Medicare benefits are exhausted
• Part B coinsurance/copayment (typically the 20% Medicare leaves after the Part B deductible)
• First 3 pints of blood
• Part A hospice coinsurance

Plan A does NOT cover:

• Part A deductible
• Part B deductible
• Part B excess charges
• Skilled nursing facility (SNF) coinsurance
• Foreign travel emergency

Premium: Lowest among comprehensive plans (verify current Georgia premiums with multiple carriers).

Best for: Rare scenarios. Most beneficiaries find Plan A's limited coverage insufficient.

Plan B: Plan A Plus Part A Deductible

Plan B adds Part A deductible coverage to Plan A. The Part A deductible is $1,736 per benefit period in 2026, so this addition is meaningful for beneficiaries who anticipate hospital stays.3

Plan B covers:

• Everything Plan A covers
• PLUS the Part A deductible

Plan B does NOT cover:

• Part B deductible
• Part B excess charges
• SNF coinsurance
• Foreign travel emergency

Premium: Modest increase over Plan A.

Best for: Beneficiaries who want hospital deductible coverage but not full comprehensive coverage.

Plan C: Comprehensive Coverage (Pre-2020 Eligible Only)

Plan C is restricted to beneficiaries first eligible for Medicare before January 1, 2020. Beneficiaries newly eligible on or after that date cannot purchase Plan C.2

Plan C covers:1

• Everything Plan A covers
• PLUS the Part A deductible
• PLUS the Part B deductible
• PLUS SNF coinsurance
• PLUS foreign travel emergency (80% up to plan limits)

Plan C does NOT cover:

• Part B excess charges

Premium: Higher than Plan B.

Best for: Pre-2020 eligible beneficiaries who want comprehensive coverage including the Part B deductible.

Plan D: Comprehensive Without Part B Deductible

Plan D is similar to Plan C but without Part B deductible coverage. It is available to all eligibility cohorts.

Plan D covers:1

• Everything Plan A covers
• PLUS the Part A deductible
• PLUS SNF coinsurance
• PLUS foreign travel emergency (80%)

Plan D does NOT cover:

• Part B deductible
• Part B excess charges

Premium: Similar range to Plan C without the Part B deductible coverage.

Best for: Beneficiaries wanting comprehensive coverage but willing to pay the Part B deductible ($283 in 2026) themselves.3

Plan F: Most Comprehensive (Pre-2020 Eligible Only)

Plan F is the most comprehensive Medigap plan but is restricted to beneficiaries first eligible for Medicare before January 1, 2020. MACRA barred new Medigap policies from covering the Part B deductible, which is the benefit that set Plan F apart, so it closed to newcomers on that date.2

Plan F covers:1

• Everything Plan A covers
• PLUS the Part A deductible
• PLUS the Part B deductible
• PLUS Part B excess charges
• PLUS SNF coinsurance
• PLUS foreign travel emergency (80%)

Plan F does NOT cover:

• Hearing, dental, or vision (not in any standardized plan)
• Long-term custodial care

Premium: Highest among standardized plans, available only to pre-2020 eligible beneficiaries.

Best for: Pre-2020 eligible beneficiaries who want no Medicare cost-sharing.

High-Deductible Plan F: Same coverage as Plan F but with an annual federal deductible of $2,950 in 2026 before benefits begin. Very low premium for healthy beneficiaries.1

Plan G: Plan F Minus the Part B Deductible

Plan G is open to everyone, including the post-2020 eligibles who can no longer buy Plan F. It covers everything Plan F covers except the Part B deductible. Beneficiaries pay the Part B deductible ($283 in 2026) once per year, and Plan G covers everything else, including Part B excess charges.2,3

Plan G covers:1

• Everything Plan A covers
• PLUS the Part A deductible
• PLUS Part B excess charges
• PLUS SNF coinsurance
• PLUS foreign travel emergency (80%)

Plan G does NOT cover:

• Part B deductible ($283 in 2026)3

Premium: Slightly lower than Plan F at carriers that offer both.

Best for: Beneficiaries wanting comprehensive coverage with predictable cost-sharing. The Part B deductible is a small annual expense for the lower premium.

High-Deductible Plan G: Same coverage as Plan G but with an annual federal deductible of $2,950 in 2026. Very low premium for healthy beneficiaries.1

Plan K: 50% Cost-Sharing with OOP Limit

Plan K pays 50% of most benefits with an annually-indexed federal out-of-pocket limit. After the OOP limit is reached, Plan K pays 100% of covered services for the rest of the year.1

Plan K covers (at 50% unless noted):1

• Part A coinsurance plus 365 extra hospital days (100%)
• Part B coinsurance/copayment (50%)
• First 3 pints of blood (50%)
• Part A hospice coinsurance (50%)
• SNF coinsurance (50%)
• Part A deductible (50%)
• An annually-indexed federal out-of-pocket limit (published by CMS)

Plan K does NOT cover:

• Part B deductible
• Part B excess charges
• Foreign travel emergency

Premium: Lower than Plan G.

Best for: Healthy beneficiaries comfortable with higher upfront costs and reassured by the OOP cap.

Plan L: 75% Cost-Sharing with OOP Limit

Plan L is like Plan K but with 75% cost-sharing instead of 50%, and a lower annually-indexed federal OOP limit.1

Plan L covers (at 75% unless noted):1

• Part A coinsurance plus 365 extra hospital days (100%)
• Part B coinsurance/copayment (75%)
• First 3 pints of blood (75%)
• Part A hospice coinsurance (75%)
• SNF coinsurance (75%)
• Part A deductible (75%)
• An annually-indexed federal out-of-pocket limit (published by CMS)

Plan L does NOT cover:

• Part B deductible
• Part B excess charges
• Foreign travel emergency

Premium: Modestly lower than Plan G.

Best for: Beneficiaries who want some cost-sharing for premium savings but with a lower OOP cap than Plan K.

Plan M: Plan D With Half the Part A Deductible

Plan M is like Plan D but covers only 50% of the Part A deductible instead of 100%.1

Plan M covers:1

• Everything Plan A covers
• PLUS 50% of the Part A deductible
• PLUS SNF coinsurance
• PLUS foreign travel emergency (80%)

Plan M does NOT cover:1

• The other 50% of the Part A deductible
• Part B deductible
• Part B excess charges

Premium: Slightly lower than Plan D.

Best for: Beneficiaries who want most Plan D benefits at a slightly lower premium.

Note: Plan M is not widely offered in Georgia. Many carriers do not include Plan M in their portfolios.

Plan N: Plan D With Copays

Plan N is like Plan D but with an office visit copay and an emergency room copay (waived if admitted) in exchange for a lower premium. Plan N pays 100% of the Part B coinsurance except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that do not lead to inpatient admission. Plan N does not cover Part B excess charges.1

Plan N covers:1,6

• Everything Plan A covers
• PLUS the Part A deductible
• PLUS SNF coinsurance
• PLUS foreign travel emergency (80%)
• Part B coinsurance, minus the office visit copay and the ER copay

Plan N does NOT fully cover:1

• The office visit copay (beneficiary pays up to $20 per applicable visit)
• The emergency room copay (beneficiary pays up to $50 unless admitted)
• Part B deductible ($283 in 2026)
• Part B excess charges

Premium: Lower than Plan G.

Best for: Cost-conscious beneficiaries who do not visit the office frequently. For light office-visit utilization, Plan N's annual total cost can be lower than Plan G even with copays.3

The Post-2020 Plan C and Plan F Restriction

Under the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA), Medigap policies that cover the Part B deductible cannot be sold to beneficiaries newly eligible for Medicare on or after January 1, 2020. This is the most important regulatory change to Medigap in recent decades:2

• Beneficiaries first eligible for Medicare on or after January 1, 2020 cannot purchase a Medigap policy that covers the Part B deductible. This eliminates Plan C and Plan F for them.
• Beneficiaries first eligible for Medicare before January 1, 2020 can still hold or purchase Plan C and Plan F. Pre-2020 eligibility includes anyone who:
  • Turned 65 before January 1, 2020
  • Became Medicare-eligible via disability before January 1, 2020
  • Was enrolled in Part A or Part B before January 1, 2020

Practical impact: Plan G has effectively become the post-2020 equivalent of Plan F minus the Part B deductible. For most beneficiaries, the Part B deductible ($283 in 2026) is a small annual expense compared to the premium difference between Plan F and Plan G.3

Why the restriction exists: Congress determined that first-dollar coverage for Part B (no deductible at all) raised Medicare program costs by removing the cost-consciousness the Part B deductible provides. Closing Plan C and Plan F to post-2020 beneficiaries ensures they retain at least the Part B deductible as cost-sharing.

High-Deductible Plan F and Plan G

High-Deductible Plan F (HDF) and High-Deductible Plan G (HDG) are variants of Plan F and Plan G that carry an annual federal deductible you must pay before Medigap benefits begin. For 2026, that deductible is $2,950 (CMS indexes it annually, so verify the current-year figure).1

High-Deductible Plan F:1

• Same coverage as Plan F (pre-2020 eligible only)
• $2,950 annual deductible in 2026
• Very low premium for healthy beneficiaries
• Full Plan F coverage once the deductible is met

High-Deductible Plan G:1

• Same coverage as Plan G (available to all eligibility cohorts)
• $2,950 annual deductible in 2026
• Very low premium for healthy beneficiaries
• Full Plan G coverage once the deductible is met

Best for: Healthy beneficiaries who view Medigap primarily as catastrophic protection and do not expect significant Medicare cost-sharing in a typical year.

Trade-off: In a high-utilization year, the beneficiary pays the full annual deductible plus standard Medicare cost-sharing up to that deductible. In a low-utilization year, the beneficiary keeps the difference between the very low HDG premium and the standard Plan G premium.

Georgia Medigap Marketplace

Georgia has a competitive Medigap marketplace with many carriers offering the federally standardized plan letters. Major carriers include:

• Mutual of Omaha: Strong financial ratings, broad plan offering
• AARP/UnitedHealthcare: Largest Medigap insurer nationally, broad plan offering
• Cigna: Mid-size, competitive pricing
• Aetna (CVS Health): Competitive Plan G pricing
• Humana: Less prominent in Medigap than in Medicare Advantage, but available
• Bankers Life: Agent-distributed, broad plan offering
• Liberty Bankers Life: Smaller carrier, competitive prices
• Manhattan Life: Community-rated, popular in some Georgia markets
• Continental Life (Continental General): Smaller carrier
• Bankers Fidelity: Mid-size, broad plan offering
• USAA: Available to military veterans and immediate family members
• Many other smaller carriers

Carrier selection matters:

• Financial strength: Check AM Best, Standard & Poor's, and Moody's ratings
• Rate increase history: Some carriers raise rates more aggressively than others
• Rating method: Community-rated, attained-age-rated, or issue-age-rated
• Plan portfolio: Some carriers do not offer all plan letters
• Customer service: Some carriers have better claims service than others
• Distribution model: Agent versus direct

Same plan letter, different premiums: Premiums for the same plan letter can vary significantly across carriers and geographies. Pull current quotes from multiple carriers or work with a GeorgiaCares SHIP counselor.5,4

Geographic considerations:

• Atlanta metro: the most carrier options, generally higher premiums
• Mid-size Georgia cities (Macon, Augusta, Savannah, Columbus, Athens): moderate options, moderate premiums
• Rural Georgia (Worth, Bulloch, Camden, Pierce, and Berrien counties, among others): fewer carrier options, generally lower premiums

Rating Methods

Federal law recognizes three rating methods, but Georgia does not allow all three. State regulation bars a carrier from filing an attained-age rate structure for any Medicare supplement policy issued after the rule's September 2009 amendment, so a policy sold in Georgia today should be community-rated or issue-age-rated. Georgia prohibits attained-age rating rather than requiring issue-age rating.5

Community-Rated (No-Age-Rated): permitted in Georgia

• The same premium for all enrollees regardless of age
• A 65-year-old pays the same premium as an 85-year-old
• Higher initial premium for new-to-65 beneficiaries
• Slower increases over time
• Premium rises only for inflation and claims experience

Issue-Age-Rated: permitted in Georgia

• Premium based on your age when the policy is issued (locked in)
• Rises with inflation but not with personal aging
• Mid-range initial premium
• The most predictable long-term cost trajectory

Attained-Age-Rated: not permitted on a new Georgia policy

• Premium based on your current age, rising each year as you age
• Lower initial premium, worst long-term cost trajectory
• Georgia bars carriers from filing this structure for policies issued after September 2009, so you should not be offered it today. A policy bought long ago may still be rated this way.5

Strategy implications in Georgia:

• Your real choice is community-rated versus issue-age-rated
• For beneficiaries with longer life expectancy: issue-age or community-rated can be cheaper over time
• For older first-time enrollees (for example, delaying Part B until 70): issue-age may be best
• If a quote is priced to climb as you age, ask the carrier in writing which rating structure the policy uses

Which Plan Letter Fits You

For a quick starting point: most healthy 65-year-olds choose Plan G (comprehensive, you pay only the $283 Part B deductible in 2026); frequent-copay-averse but low-utilization beneficiaries choose Plan N (lower premium, small office and ER copays); the very healthy who want catastrophic protection choose High-Deductible Plan G ($2,950 deductible in 2026, very low premium); those comfortable trading cost-sharing for a lower premium choose Plan K or L (50% or 75% coverage with a federal out-of-pocket cap); and anyone first eligible for Medicare before January 1, 2020 who wants zero cost-sharing can still choose Plan F.3,1,2

Best Practices for Medigap Plan Selection

1. Understand standardization first. All Plan G policies have identical benefits. Plan-letter selection is benefit selection; carrier selection is price selection.
2. Start with Plan G as your baseline. Plan G is the post-2020 standard for comprehensive coverage. Use Plan G premiums as your comparison baseline.
3. Consider Plan N if you do not visit the office often. Its lower premium and modest copays can be cheaper overall for light utilization.
4. Check pre-2020 eligibility for Plan C and Plan F. If you were first eligible for Medicare before January 1, 2020, Plan F may be your best comprehensive option.
5. Consider High-Deductible Plan G for catastrophic protection. If you expect low utilization, HDG's low premium can be optimal.
6. Get quotes from several carriers. The same plan letter has very different premiums across carriers, so shopping prices is essential.
7. Check carrier financial strength and rate history. Review AM Best, Standard & Poor's, and Moody's ratings, and ask the agent for a 5-to-10-year rate increase history.
8. Understand the rating method. Community, attained-age, and issue-age each carry a different long-term cost trajectory.
9. Do not pair Medigap with Medicare Advantage. They are mutually exclusive products; you cannot have both.
10. Budget for a standalone Part D plan. Medigap does not cover prescription drugs.
11. Get GeorgiaCares SHIP counseling. Free, unbiased plan comparison counseling at 1-866-552-4464.4
12. Apply during your Medigap Open Enrollment Period. During this six-month federal window, the insurer cannot underwrite or deny you.2
13. Read the policy. Confirm the rate guarantee, conversion options, and exclusions before you sign.

Common Issues with Plan Selection

1. Picking the lowest premium without checking carrier strength. The cheapest quote can come from a weaker carrier or one with an aggressive rate-increase history. Check ratings and history.
2. Picking Plan A because it is cheapest. Plan A has minimal coverage that most beneficiaries find insufficient.
3. Picking Plan F without knowing it is restricted. Post-2020 eligible beneficiaries cannot buy Plan F; Plan G or Plan N is the equivalent.
4. Picking Plan N without understanding excess charges. Plan N does not cover Part B excess charges; Plan G does.
5. Assuming community-rated is always cheapest. It carries a higher initial premium and is better long-term only for some beneficiaries.
6. Misunderstanding High-Deductible Plan G. The $2,950 deductible in 2026 applies to your Medicare cost-sharing, not to premium savings.1
7. Choosing on advertising or an agent's recommendation alone. Get independent counseling from GeorgiaCares SHIP.
8. Not knowing that switching later faces underwriting. Outside your open enrollment period or a trial right, switching plans requires medical underwriting in Georgia.
9. Confusing Medigap with Medicare Advantage. Medigap supplements Original Medicare; Medicare Advantage replaces it. You cannot have both.
10. Forgetting standalone Part D. Medigap does not cover drugs; plan for an additional monthly Part D premium.

Worked Examples

Example 1: Fulton County, 65, Margaret chooses Plan G

Margaret turns 65 in April 2026, with Part B effective April 1 and a Medigap Open Enrollment Period of April 1 through September 30. She reviews the plan letters with a GeorgiaCares SHIP counselor. She has controlled Type 2 diabetes and hypertension. The counselor explains that Plan G is the post-2020 standard, covering everything except the Part B deductible. Margaret gets quotes from several carriers and selects a Plan G policy at a competitive premium (attained-age, A-rated carrier), effective April 1. Continuous prior employer coverage eliminates any pre-existing condition waiting period.

Example 2: DeKalb County, 67, James chooses Plan N for a lower premium

James retired at 67 with prior employer coverage, and his Part B is effective March 1 via a Special Enrollment Period, opening a Medigap OEP of March 1 through August 31. He is generally healthy and visits the doctor about three times per year. The counselor walks him through the trade-off: Plan N carries a per-visit office copay of up to $20, but its lower premium more than offsets a handful of copays for someone with light utilization. Comparing the annualized Plan G premium plus the $283 Part B deductible against the Plan N premium plus the $283 deductible plus copays, James finds Plan N meaningfully cheaper and selects it.3,1

Example 3: Worth County, 66, Linda chooses Plan G for stable coverage

Linda's late husband's retiree health coverage ended, and her Part B is effective May 1, 2026 via a Special Enrollment Period, opening a Medigap OEP of May 1 through October 31. She lives in rural Worth County with limited carrier options. She gets Plan G quotes from several carriers and selects a community-rated Plan G policy for a stable long-term premium trajectory, effective May 1, choosing Plan G for comprehensive coverage with predictable cost-sharing.

Example 4: Bibb County, 65, David chooses High-Deductible Plan G for a low premium

David turns 65 in March 2026, with Part B effective March 1 and a Medigap OEP of March 1 through August 31. He is healthy, with no chronic conditions and no medications, and expects very low Medicare utilization. The counselor explains that High-Deductible Plan G carries a $2,950 federal deductible in 2026 but a very low premium. In a low-utilization year HDG saves a meaningful amount; in a high-utilization year it costs more because David pays the full deductible plus the premium. David selects HDG for catastrophic protection, effective March 1.1

Get Help with Medigap Plan Selection in Georgia

Georgia's major Medigap carriers include Mutual of Omaha, AARP/UnitedHealthcare, Cigna, Aetna, and Humana. Verify each carrier's current customer-service number on its Medigap page or through the Medicare Plan Finder.

The federal Medigap standardization framework defines ten plan letters with identical benefits across all carriers nationwide, so beneficiaries can compare plans by letter and then compare carriers by price without worrying about hidden coverage differences. With many carriers competing in Georgia, plan-letter literacy enables fair price comparison. Plan G has emerged as the post-2020 standard, Plan N offers a cost-conscious alternative with small copays, High-Deductible Plan G provides catastrophic protection at a $2,950 (2026) deductible, and Plans K and L offer cost-sharing with annually-indexed federal OOP limits. Under MACRA, Plan C and Plan F remain available only to beneficiaries first eligible for Medicare before January 1, 2020.1,2

Learn More

Find personalized help choosing the right Medigap plan letter in Georgia at brevy.com.

The information on Brevy.com is for educational purposes only and is not a substitute for professional legal, financial, or medical advice. Rules vary by state and program and change frequently. Always verify with the relevant agency or a qualified professional. Brevy is not a law firm, financial advisor, or healthcare provider.