Medicare · State of Georgia
Medicare for Georgia Residents
Georgia has 1.8 million Medicare beneficiaries and a fast-growing retiree population as Atlanta and the I-75 corridor attract retirees from the Northeast and Midwest. Ten Point Financial Group is a Georgia-licensed independent Medicare agency. We help Georgians pick plans honestly — regardless of carrier.
1.8M
GA Medicare beneficiaries
$0
Cost to use a Medicare agent
Statewide
Atlanta · Savannah · South GA · rural
Why Georgia
Georgia's Medicare market is heavily competitive in metro Atlanta, with Humana, Anthem BCBS, Aetna, and UnitedHealthcare running strong Medicare Advantage networks. Outside Atlanta, networks thin — making Medigap a stronger fit for rural Georgia retirees who want any-provider flexibility. We compare across all Georgia carriers and recommend what fits your specific county and providers.
How we help
Turning 65 in Georgia
Your 7-month IEP window covers the months around your 65th birthday. We walk Georgia residents through Part A, Part B timing, Part D, and the Advantage-vs-Medigap question before you have to choose.
Atlanta Metro Advantage Plans
Atlanta has 80+ MA plans available in many counties. The differences matter — networks, formularies, max out-of-pocket. We narrow the field to the 3-5 that actually fit your situation.
Rural Georgia Coverage
Rural Georgia counties often have limited Advantage networks. Medigap becomes the better choice in many rural areas because Original Medicare works with any provider accepting Medicare.
Snowbird Considerations
Many Georgia retirees split time between Georgia and another state. Plan choice matters — some MA plans don't travel well. We design around your actual movement patterns.
Annual Plan Review (AEP)
October 15 - December 7 every year. We re-shop Georgia clients' plans annually — networks change, formularies change, your needs change.
Annual Enrollment: October 15 to December 7
Every fall, anyone on Medicare can change their Medicare Advantage or drug plan. Any change you make starts January 1. If you do nothing, your plan usually renews as is, even if its costs, network, or drug list changed. That is why a yearly review matters.
What to review before December 7
Your drugs against the plan's drug list
Plans update their drug lists each year. Check that every medication you take is still covered, and at what tier, at the pharmacy you use.
Your doctors and hospitals
Networks change. Make sure your doctors, specialists, and hospital are still in network for next year, not just this year.
Your total yearly cost, not just the premium
Add up the premium, deductibles, copays, and drug costs. A plan with a low premium can cost more over a year if you use a lot of care.
Extra benefits that changed
Dental, vision, hearing, and other extras can shrink or grow from year to year. Read your Annual Notice of Change, which plans mail each fall.
Frequently asked questions
Which Medicare Advantage carriers are strongest in Georgia?+
Varies by metro. Atlanta: Humana, Anthem BCBS, Aetna, UHC. Savannah: more limited options. Rural areas: networks often thin. We compare for your specific zip code.
Is Medigap a better choice in rural Georgia?+
Often yes. Rural Georgia counties typically have fewer MA plans and narrower networks. Original Medicare + Plan G works with ANY provider that accepts Medicare — and that's most providers in rural areas.
How does Georgia Medigap pricing compare to other states?+
Generally competitive — neither among the cheapest nor most expensive. Rates vary more by carrier than by state. We pull live quotes for your situation.
Can you help if I'm moving to Georgia from another state?+
Yes. Moving triggers a Special Enrollment Period — you'll need to switch plans to one that works in your new Georgia zip code. We handle the transition at no cost.
When is Medicare open enrollment in Georgia?+
The Annual Enrollment Period is the same in Georgia as everywhere else: October 15 to December 7. You can join, switch, or drop a Medicare Advantage or drug plan, and changes start January 1. We review Georgia clients' plans each fall.
Learn more
Carriers We Represent
We're independent — we shop the market for the policy that fits, not the highest commission.
Carrier logos shown are trademarks of their respective owners. We work with additional regional carriers — ask about a specific plan.
Free Georgia Medicare review
Share your county, doctors, and current prescriptions. We'll compare Georgia plans across carriers and tell you honestly which one fits.
Educational content only. Not financial, legal, or tax advice. All services are provided by licensed professionals. Coverage decisions depend on individual circumstances.