Prescription drug coverage is a significant concern for most Medicare recipients. In Georgia and across the US, Medicare beneficiaries enroll in Medicare Part D plans to cover prescription drugs.

Georgia Medicare Part D plans have a total enrollment of 1,256,349. Of that total, 619,136 are prescription Drug Plan Enrollees, and 653,653 have enrolled in the Medicare Advantage Prescription Drug, or MAPD plan.

Georgia Medicare Part D Plans for 2022

Medicare Part D is insurance that covers prescriptions provided by private insurance companies. Medicare and the Centers for Medicare and Medicaid Services (CMS) have standards for prescription drug coverage that each Part D drug plan must meet or surpass for approval.

Below, we’ll go over the Medicare Part D plans available in Georgia, including their rates, premiums, and the type of prescription coverage they offer. We’ll answer some specific questions about Medicare Part D.

Part D Plans with the Lowest Premium in Georgia

When shopping for Georgia Medicare Part D plans, one of the first things you look at is the monthly premium. In Georgia, several well-known insurance companies offer low-premium Part D coverage.

Aetna offers Medicare Part D coverage with the lowest premium at $6.90. Though the plan does not offer gap coverage, it has a 3-star rating and provides a $480 deductible on prescriptions.

The other end of the premium scale is UnitedHealthcare, which charges $29.30 for its Part D plan. However, UnitedHealthcare does offer gap coverage and sets a lower deductible of only $310. It also has a higher rating of four stars.

Humana also offers a 4-star-rated plan. They do not provide gap coverage, but the premium is reasonable at $22.70, and the deductible is comparable to Aetna’s at $480.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $6.90 $480 3 No
WellCare $12.90 $480 3 No
Clear Spring $18.20 $480 2 No
Humana $22.70 $480 4 No
UnitedHealthcare $29.30 $310 4 Yes

Part D Plans with a Zero-Dollar Deductible in Georgia

Georgia Medicare Part D plans include several zero-deductible plans with 3- and 4-star ratings.

Aetna offers a zero-dollar deductible plan with a 3-star rating. The prescription coverage plan includes gap coverage and a premium of $62.40.

UnitedHealthcare Also offers a 3-star, zero-dollar plan. The premium is higher at $104.20, but it does include gap coverage.

Anthem’s 4-star Medicare Part D plan charges only $88.60 with no deductible and no gap coverage.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $62.40 $0 3 Yes
WellCare $69.00 $0 3 No
Anthem $88.60 $0 4 No
UnitedHealthcare $104.20 $0 3 Yes

Part D Plans with Gap Coverage in Georgia

Gap coverage is an important consideration when choosing between Georgia Medicare Part D plans.

The “Coverage Gap” is one of the four parts of Medicare Part D coverage and describes when Medicare limits how much they will pay for your medication until you have paid a certain amount out of pocket.

Gap coverage from your Part D insurance provider mitigates this.

UnitedHealthcare charges a $0 premium for their Part D plan with gap coverage. The plan carries a 4-star rating and a $310 deductible.

Aetna offers a Georgia Medicare Part D plan with gap coverage and a $0 deductible for $62.40. The Aetna plan is 3-star rated.

Cigna offers a $65 premium plan with a low deductible of only $100. This Part D plan also includes gap coverage and features a 3-star rating.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
UnitedHealthcare $0 $310 4 Yes
Aetna $62.40 $0 3 Yes
Cigna $65.00 $100 3 Yes
UnitedHealthcare $104.20 $0 4 Yes

Part D Plans with a Low-Income Subsidy in Georgia

Georgie Medicare Part D plans are available with a Low-Income Subsidy. According to Georgia Medicare data, 354,829 beneficiaries are eligible for LIS1 (Low-Income Subsidy).

Humana offers the highest-rated low-income subsidy plan. This plan charges a premium of $30.90 and does not provide gap coverage. The deductible is $480.

WellCare offers a slightly less expensive plan at $29.10. The deductible is $480, and the plan does not offer gap coverage.

Clear Spring offers the lowest premium for low-income subsidy plans at $26.50. The deductible is $480, and there is no gap coverage on this 2-star rated plan.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Clear Spring $26.50 $480 2 No
WellCare $29.10 $480 3 No
Aetna $29.40 $480 3 No
Humana $30.90 $480 4 No
Cigna $32.40 $480 3 No

Amount of Beneficiaries in Each Part D Coverage Phase in Georgia

Beneficiaries of a Medicare Part D plan fall into four coverage phases. In the first phase, the Deductible Phase, you start by making payments toward your deductible. Once you have paid your deductible, you move to the Initial Coverage Phase. Your Part D plan insurance company will start paying the agreed part of your prescription costs.

The Coverage Gap Phase, or “Donut Hole,” is when the insurance company cannot pay as much as they usually would under your Part D plan. During the Coverage Gap, you will be responsible for 25% of the costs and continue to pay at this rate until you reach $6,550. Once you reach that threshold, you enter phase four, the Catastrophic Phase.

You then only have small copayments for the rest of the year, with your Medicare Part D plan covering the rest. The numbers in the chart below are the numbers of Georgia beneficiaries in each phase of Georgia Medicare Part D.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
280,435 515,591 141,630 119,122

Georgia Cities with Medicare Supplement Coverage Estimated Premiums

You can find charts with estimated premiums for Medicare Supplement coverage for the below cities:

FAQs

What is the average cost of Part D Medicare in Georgia?

Georgia Medicare Part D plans adjust from year to year. The average price in 2022 is around $32 but varies by location.

Can you buy Medicare Part D by itself in Georgia?

To enroll in a Georgia Medicare Part D plan, you must have enrolled in either Medicare Part A or Part B. For a Medicare Advantage Prescription Drug Plan, you must have both Part A and Part B.

Do I need Medicare Part D if I don’t take any drugs in Georgia?

Even if you are not on any prescription medications now, you should consider enrolling in a Medicare Part D plan or Medicare Advantage Prescription Drug plan to avoid potential penalties.

Many plans are low-cost, with little or no monthly premiums.

When did Medicare Part D become mandatory in Georgia?

Medicare Part D became mandatory in Georgia on January 1, 2006. This is when the Medicare Part D prescription drug benefit was put into effect, which Congress authorized as part of the “Medicare Prescription Drug, Improvement, and Modernization Act of 2003.”

Who is eligible for Medicare Part D in Georgia?

If you are a Medicare beneficiary, you are eligible for prescription drug insurance. If you have Medicare, you can enroll in Part D. You may also sign up for the Medicare Advantage plan, including prescription drug coverage.

How to Get Help Signing Up for a Medicare Part D Plan in Georgia

If you are ready to sign up for one of the Georgia Medicare Part D plans available in your area, we are prepared to assist you.

Our licensed insurance agents work with all the insurance carriers and can help you compare plans to find the best coverage for your needs.

This is a free service, so call us today. Or complete our convenient online rate form to receive information about the best rates in your area of Georgia!

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.