What Are the Best Medicare Supplement Plans in Georgia?
Blue Cross Blue Shield has the best Medigap plans in Georgia.
Compare Medicare Plans in Your Area
Blue Cross Blue Shield has good rates and service. If you're on a budget, Plan N from Aetna is a cheap option that has good coverage.
What's the best Medicare Supplement company in Georgia?
Blue Cross Blue Shield (BCBS) is the best overall Medigap company in Georgia.
BCBS has the cheapest rates for Plan G in Georgia, and it also has excellent customer service. Mutual of Omaha is also a great choice for getting good customer service.
But if you're on a budget, Plan N from Aetna can be a better option. Plan N has coverage that's almost as good as Plan G but at a cheaper rate, and Aetna's rate for Plan N is the cheapest in Georgia.
Top Medicare Supplement companies in Georgia
Company |
Customer satisfaction (out of 5.0)
| Plan G rate | |
|---|---|---|---|
| Blue Cross Blue Shield | $162 | |
| Mutual of Omaha | $194 | |
| AARP/UHC | $170 | |
| Aetna | $173 | |
| USAA | $189 | |
Average monthly rates are for a 65-year-old woman who does not smoke.
Compare Medicare Plans in Your Area
Blue Cross Blue Shield and Humana have the lowest monthly rates for Plan G in Georgia. But rates aren't the only feature you should look at when choosing a company. Customer service can be just as important, and Blue Cross Blue Shield is well rated.
Plan G is the best Medicare Supplement plan in Georgia for most people. It gives you the most coverage of any plan except Plans C and F, which you can only get if you were eligible for Medicare before 2020.
Cigna is changing its name to "HealthSpring" in 2026. Cigna isn't a big Medigap company in Georgia, but it does sell plans. If you have a Cigna Medigap plan, you'll start to see your paperwork change to the name HealthSpring. Your coverage won't change, and you won't need to do anything to keep your plan when the name change happens.
Best overall: Blue Cross Blue Shield (BCBS)
-
ValuePenguin rating
- Plan A: $106
- Plan G: $162
- Plan N: $174
- Plan F: $280
Blue Cross Blue Shield plans stand out for their low prices and good customer service.
The company gets less than half the complaints of a typical Medicare Supplement company.
And out of the major Medigap companies, BCBS has the cheapest rates for Plan G in Georgia. The combination of low rates and excellent service makes Blue Cross Blue Shield the best option for most people.
Although BCBS is the best option for Plan G, you may also want to consider AARP/UnitedHealthcare (UHC), especially if you want more options and perks.
AARP/UHC offers more Medigap plans than any other company in Georgia, and the plans come with lots of extra benefits. Some perks of having an AARP membership include discounts on vision and hearing care, savings on gym memberships and hotels, and access to workshops and programs on a variety of topics.
However, AARP/UnitedHealthcare is more expensive than Blue Cross Blue Shield, with Plan G costing $170 per month, on average.
Best customer service: Mutual of Omaha
-
ValuePenguin rating
- *Plan G: $56
- Plan A: $116
- Plan N: $124
- Plan G: $194
- Plan F: $282
*High-deductible plan
Mutual of Omaha has some of the best customer service of all major Medigap companies in Georgia.
Mutual of Omaha gets about 60% fewer complaints than an average company its size. This means Mutual of Omaha customers tend to be happy with their plans and the service they get from the company. If customer service is your top priority, Mutual of Omaha is a good option.
It's a good idea to choose a company with fewer complaints since it may have an easier claims process.
But Mutual of Omaha doesn't have the cheapest rates for the most popular Medigap plans. Plan G, the most popular option in Georgia, costs $194 per month from Mutual of Omaha. That's $18 more per month than the state average. If you're willing to pay more each month for the excellent service, Mutual of Omaha is a good option.
Cheapest Plan N: Aetna
-
ValuePenguin rating
- *Plan G: $48
- Plan N: $113
- Plan A: $139
- Plan G: $173
- Plan F: $203
*High-deductible plan
Aetna has the lowest Plan N prices in Georgia, with an average cost of $113 a month.
Aetna's average rate for Plan N is about 16% cheaper than the statewide average.
Plan N is a good compromise between coverage and affordable rates. It has coverage that's almost as good as Plan G but rates that are much cheaper.
But with Plan N, you'll usually have a copay of up to $20 for some visits to the doctor and up to $50 for some emergency room visits. Plan N also doesn't cover Part B excess charges. Not many doctors are allowed to charge an extra amount, but if you go to a doctor who does, you'll have to pay the extra amount yourself.
Aetna also has good customer service, with 16% fewer complaints than an average company its size.
What is the average cost of a Medicare Supplement plan in Georgia?
Medigap plans in Georgia can cost anywhere from $52 to $257 per month, on average.
But the most popular plans — G, F and N — cost between $134 and $230 per month, on average.
Compare Medicare Plans in Your Area
Plan G is the best option for most people, but Plan N can be good if you're on a budget and still want good coverage. Plan F has the best coverage, but you can only get it if you were eligible for Medicare before Jan. 1, 2020.
Georgia Medigap plans
Medigap plan | Monthly cost |
Medicare Supplement market share
|
|---|---|---|
| Plan G | $176 | 49% |
| Plan F | $230 | 36% |
| Plan N | $134 | 10% |
| Plan C | $257 | 2% |
| Plan J | N/A | 2% |
Average monthly rates are for a 65-year-old woman who does not smoke.
Frequently asked questions
What company has the best Medicare Supplement plans in Georgia?
Blue Cross Blue Shield sells the best Medicare Supplement plans in Georgia. It has low rates, good service and lots of extra perks. But Mutual of Omaha is better for customer service, and Aetna is the best option for a cheap Plan N.
How much does Medigap cost in Georgia?
The average cost for Medicare Supplement in Georgia ranges from $52 per month for high-deductible Plan G to $257 per month for Plan C. Plan G, the most popular Medicare Supplement plan in Georgia, costs $176 per month, on average.
What company has the cheapest Plan G Medicare Supplement policy in Georgia?
Blue Cross Blue Shield has the cheapest rates for Plan G in Georgia, at an average of $162 per month. But cost isn't the only metric you should consider when buying a Medigap plan. Review your options carefully and choose a company that has good service and extra perks that are useful to you.
Methodology and sources
Average rates for Medicare plans in Georgia for 2026 are from actuarial data for private insurance companies. ValuePenguin's experts reviewed only the companies with a Medigap market share around 2% for the state of Georgia.
Medicare Supplement plan enrollment information was taken from AHIP. Our experts based their recommendations on average prices, customer satisfaction reports from the National Association of Insurance Commissioners (NAIC) and financial strength ratings taken from AM Best.
ValuePenguin scored companies on a five-point scale using information taken from the NAIC.
Satisfaction score | Customer complaints adjusted for company size |
|---|---|
| 5.0 (top rating) | At least 75% fewer complaints than typical |
| 4.5 | 50% to 74% fewer complaints than typical |
| 4.0 | 25% to 49% fewer complaints than typical |
| 3.5 | 6% to 24% fewer complaints than typical |
| 3.0 | 5% fewer to 5% more complaints than typical |
| 2.5 | 6% to 49% more complaints than typical |
| 2.0 | 50% to 99% more complaints than typical |
| 1.5 | 100% to 249% more complaints than typical |
| 1.0 | At least 250% more complaints than typical |
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
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- CBS
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- BA, Theatre, Purdue University
- BA, English, Indiana University
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