Medicare Advantage Plans in Georgia 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Georgia's Medicare Advantage market has grown substantially, now covering roughly 45 percent of beneficiaries. The Atlanta metro has the most options, with 30 to 50 plans available in most Atlanta-area counties. Alliant Health Plans is a notable regional carrier alongside the national insurers.
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Georgia.
Rural Coverage Note
Parts of Georgia have limited Medicare Advantage plan availability. If you live in a rural county, you may find fewer plans or smaller provider networks. Comparing your options alongside Medicare Supplement plans is worth doing before you decide.
What to Look for in a Georgia Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Georgia
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Georgia
Georgia has a competitive Medigap market in the Atlanta metro. Residents in rural South Georgia and the coastal areas often find Medigap more reliable, as Medicare Advantage networks can be limited outside the urban centers.