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HomeMedicare SupplementGeorgiaMedigap in Georgia for 2027: 23 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Georgia for 2027: 23 Insurers and the Plans They Sell

ATLANTA — Georgians who want predictable out-of-pocket costs on Original Medicare often look at a Medicare Supplement policy, also called Medigap. For 2027, Medicare.gov's Medigap policy search lists 23 insurers for ZIP code 30303 in Atlanta, offering a mix of federally standardized plan letters. Here is what the state's older adults, caregivers and family helpers should know as Medicare Open Enrollment 2027 approaches.

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Key takeaways

  • Medicare.gov's Medigap policy search lists 23 insurers for ZIP code 30303, selling plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • Your strongest shot at buying any Medigap policy sold in Georgia is the six-month Medigap Open Enrollment Period that starts when you are 65 or older and enrolled in Part B.
  • 22 Medicare Advantage plans offered in Georgia in 2026 will not be offered anywhere in the state in 2027, and members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap policies.
  • Medigap does not include drug coverage, so a stand-alone Part D plan is a separate choice during Annual Enrollment, October 15 – December 7, 2026.
Happy senior couple at home — illustrating this Medicare guideMedicare SupplementGeorgia
Photo: T Leish Photo by T Leish on Pexels
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·10 min read·✓ Reviewed
Key facts: Medicare in Georgia
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap and how is it different from Medicare Advantage in Georgia?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay the deductibles, coinsurance and copays Original Medicare leaves to you. It is not Medicare Advantage. With Medigap, you keep Original Medicare as your primary coverage and can see any provider in the country who accepts Medicare; Medicare Advantage, by contrast, is a private plan that replaces how you get your Part A and Part B benefits and usually uses a network. You cannot be enrolled in both a Medigap policy and a Medicare Advantage plan at the same time.

Medigap benefits are standardized by letter under federal rules, so a Plan G from one company covers the same medical items as a Plan G from another. What differs is price, customer service and the company's rate history.

Which insurers sell Medigap in Georgia and what plan letters do they offer for 2027?

For ZIP code 30303, Medicare.gov's Medigap policy search lists 23 insurers. The plan letters sold by at least one of them are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. What is actually available can differ by ZIP code and by age, sex and tobacco use, so always confirm for your own address.

The 23 insurers and the letters listed for them:

Plans C and F are closed to people who became eligible for Medicare on or after January 1, 2020. For specifics, use Medicare.gov's plan finder or call 1-800-MEDICARE.

What is the six-month Medigap Open Enrollment Period in Georgia and why does it matter?

Your Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are 65 or older and enrolled in Medicare Part B. During that window, in Georgia you can buy any Medigap policy sold in the state from any company that sells it, at that company's best-available rate class for your situation, with no medical underwriting based on your health.

Outside that six-month window, in most cases a Georgia insurer can ask health questions and can decline you or charge more based on your health, unless a separate guaranteed-issue right applies. That is why the six months matter so much.

What happens if my Medicare Advantage plan is leaving Georgia for 2027?

If you are in one of the 22 Medicare Advantage plans offered in Georgia in 2026 that will not be offered anywhere in the state in 2027, you have a federal guaranteed-issue right to buy certain Medigap policies without health underwriting. Guaranteed issue means an insurer must sell you a qualifying Medigap plan, cannot turn you down based on health, and cannot charge you more because of past or current medical conditions.

The exact list of Medigap plans you qualify to buy, and the deadlines to apply, are set in federal rules. Confirm your situation at Medicare.gov or 1-800-MEDICARE before you sign anything, and keep the notice your current plan sent you.

Does Medigap cover prescriptions in Georgia, or do I need a separate Part D plan?

Medigap sold today does not include prescription drug coverage, so Georgians who want drug coverage with Original Medicare and Medigap sign up for a stand-alone Medicare Part D plan separately. Annual Enrollment for 2027 runs October 15 – December 7, 2026, with coverage effective January 1, 2027.

A few 2027 Part D numbers to know: the annual out-of-pocket cap is $2,400 (up from $2,100 in 2026); the most any Part D plan may charge as a deductible is $700; and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Actual plan premiums are set plan by plan.

How should I compare Medigap policies in Georgia?

Start with the plan letter, because benefits within a letter are standardized across companies. Then compare price for that same letter across the insurers listed for your ZIP code, ask each company how it sets and raises rates over time, and check whether the policy you want is available at your age and in your ZIP code. Confirm anything a sales call tells you against the insurer's own outline of coverage and against Medicare.gov.

Avoid shortcuts like "which plan is best" — the right fit depends on your doctors, your budget, how often you travel and whether you are inside your six-month Medigap Open Enrollment window or have a guaranteed-issue right.

Where can Georgians get free help with Medigap and Part D?

Two no-cost, independent resources are available to every Medicare beneficiary in Georgia: Medicare.gov, which has the official Medigap policy search and the Medicare Plan Finder for Part D, and 1-800-MEDICARE, which is staffed 24 hours a day, seven days a week. Both can walk you through what is available at your address and what questions to ask an insurer.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

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October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

Do all 23 insurers in Georgia sell every Medigap plan letter?
No. Each insurer sells its own subset of the standardized letters. Across the 23 insurers listed for ZIP code 30303, the letters sold by at least one are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N, but no single company sells all of them. Check Medicare.gov's Medigap policy search for your own ZIP code.
Can I switch from Medicare Advantage to Medigap in Georgia during Annual Enrollment 2027?
You can use Annual Enrollment, October 15 – December 7, 2026, to leave a Medicare Advantage plan and return to Original Medicare for 2027. Buying a Medigap policy is a separate application to a private insurer, and outside the six-month Medigap Open Enrollment Period or a guaranteed-issue situation, Georgia insurers can generally use medical underwriting.
Are Plans C and F still available to new Medicare beneficiaries in Georgia?
Plans C and F are closed to anyone who became eligible for Medicare on or after January 1, 2020. Georgians who were already eligible before that date may still be able to buy them from a company that sells them; several insurers listed for ZIP code 30303 still show C or F on their menus.
Where can I confirm 2027 Medigap and Part D details for my address?
Use Medicare.gov to run the Medigap policy search and the Medicare Plan Finder for your own ZIP code, or call 1-800-MEDICARE, available 24 hours a day, seven days a week.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov — Medigap policy search for ZIP code 30303: the list of 23 insurers and the plan letters each one sells.
  • CMS Landscape Source Files: the count of 22 Medicare Advantage plans offered in Georgia in 2026 that will not be offered anywhere in the state in 2027.
  • Medicare.gov — Medicare enrollment periods: the Annual Enrollment dates (October 15 – December 7, 2026) for coverage effective January 1, 2027.
  • CMS — Part D program parameters for 2027: the $2,400 out-of-pocket cap, the $700 maximum plan deductible and the $41.33 base beneficiary premium.
  • Social Security Administration — October 14, 2026 announcement: the 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules on medicare.gov: standardization of plan letters, the six-month Medigap Open Enrollment Period and guaranteed-issue rights.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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