Georgia Medicare Plans
Medicare, the government-sponsored national insurance program throughout the United States, provides free or subsidized coverage to certain vulnerable members of society. Specifically, Medicare is available to many citizens over the age of 65, as well as younger members who suffer from serious ailments or disabilities.
In some cases, Medicare beneficiaries can also receive assistance or guidance at the state level from various organizations. If you are interested in obtaining Medicare coverage in the state of Georgia or simply have questions about insurance, consider the following information and contact an insurance expert for help.
Georgia law mandates continuing COBRA coverage for three months after termination of employment, allowing for these employees to benefit for this period of time. However, this law only applies to employers with two to 19 employees.
Medicare Supplement Insurance Plans in Georgia
In general, Original Medicare, also referred to as Medicare Part A (hospital insurance) and Part B (medical insurance), is intended to provide all of the coverage a beneficiary will need. In some cases, however, a recipient may require additional insurance; here, the beneficiary has the option to purchase an additional Medicare Supplement Insurance plan, also known as Medigap. Medicare beneficiaries in Georgia may purchase a Medigap plan through one of the many insurers throughout the state in order to receive additional coverage not provided by Original Medicare.
High-Risk Pools in Georgia
Insurance applicants with pre-existing conditions in Georgia do not need to obtain coverage through a high-risk pool; instead, they will have access to insurance through an exchange as provided by the Affordable Care Act.
Medicare Savings Programs Available in Georgia
Of course, there exist certain costs associated with Medicare, including premiums for Part A and Part B, as well as deductibles, coinsurance costs, and copayments. To assist Medicare recipients with these costs, the state of Georgia participates in Medicare Savings Programs that help Medicare beneficiaries with the aforementioned expenses.
Extra Help From the State
Medicare recipients who need additional assistance paying for prescription drugs may be able to acquire further subsidies from the state. Specifically, the state provides approximately $4,000 per year in subsidies for prescription drugs for those Medicare beneficiaries who qualify.
Getting Further Help
Because the Medicare system is so complex, the state of Georgia offers additional help through a state health insurance assistance program known as GeorgiaCares, a division of the Georgia Department of Human Services. This organization offers assistance to those interested in Medicare coverage.
If you have additional questions about Medicare in Georgia, please reach out to the insurance experts at MedicareSolutions.com. We are prepared to help you in any way we can, including helping you search, compare, and narrow down the Medicare options that best fit your needs.