Maximizing Your Medicare Benefits in 2025: What Georgia Residents Need to Know

Stay Ahead of the Curve in 2025

Medicare updates can impact your coverage, costs, and care. That’s why staying informed is more important than ever. At Pecan Flats Insurance Services, we simplify the process so you can get the most from your Medicare benefits in 2025—whether you're newly eligible or a long-time enrollee.

Let’s walk through what Georgia families should know.

What’s Changing with Medicare in 2025?

Premiums and Deductibles Adjusting

Expect updates to Medicare Part A and B premiums and deductibles this year. These changes are routine but can affect your budget. Fortunately, income-based assistance programs are available to help many Georgia residents manage rising costs.

Telehealth Continues

Telehealth services—popularized during the pandemic—will continue to be covered through 2024, with discussions underway about long-term inclusion. This is great news for rural or homebound beneficiaries seeking care from the comfort of home.

Extra Benefits in Medicare Advantage Plans

Some Medicare Advantage plans now offer valuable add-ons like dental, vision, gym memberships, transportation services, and even meal delivery. Be sure to compare plans available in Georgia to find the ones that best suit your needs.

Medicare Part A, B, and D Changes

Medicare Part A – Hospital Insurance

Deductibles and coinsurance rates for inpatient hospital stays are rising in 2025. If you require rehabilitation or skilled nursing care, be sure to review how these changes could impact your out-of-pocket costs.

Medicare Part B – Outpatient Coverage

You’ll see improvements in access to outpatient services, including physical therapy and mental health care. Although premiums may rise, many costs may be offset by the new prescription drug cost protections under the Inflation Reduction Act.

Medicare Part D – Prescription Drug Coverage

This is one of the most impactful changes of 2025:

• A $2,000 annual out-of-pocket cap on prescription drug costs

• Expanded drug price negotiation powers for Medicare

• Insulin prices remain capped, making it easier for those managing diabetes

👉 Read more from CMS.gov on these changes

Considering a Medigap (Medicare Supplement) Plan?

Medigap plans—also known as Medicare Supplement Insurance—are designed to help cover the out-of-pocket costs that Original Medicare doesn’t, such as deductibles, copayments, and coinsurance. These plans are especially valuable for Georgia residents who want more predictable healthcare expenses and fewer financial surprises. At Pecan Flats Insurance Agency, we’ll help you compare your Medigap options across the state to find the coverage that fits your needs and budget.

In Georgia, you can choose from up to 12 standardized Medigap plans, labeled A through N, depending on your eligibility and the date you first qualified for Medicare. Each plan offers a different level of coverage, but all are designed to work alongside your Original Medicare benefits.

To qualify, you must be enrolled in both Medicare Part A and Part B.

The best time to enroll is during your six-month Medigap Open Enrollment Period, which begins the month you're 65 or older and enrolled in Part B. During this time, you're guaranteed coverage with no medical underwriting.

Several trusted private insurers offer Medigap plans in Georgia—including AARP/UnitedHealthcare, Anthem Blue Cross Blue Shield, Mutual of Omaha, and others. At Pecan Flats Insurance Agency, we’ll help you compare these options so you can choose the right fit for your budget and healthcare needs.

Important:

• Medigap plans don’t include prescription drug coverage. You'll need to enroll in a separate Medicare Part D plan for that.

• You cannot have both a Medigap plan and a Medicare Advantage plan at the same time—you’ll need to choose one path.

Thinking About a Medicare Advantage Plan?

Medicare Advantage plans offer bundled care, often with extra benefits. But every plan is different. Our licensed Georgia advisors will help you:

• Compare coverage options

• Understand provider networks

• Evaluate benefit extras (e.g., dental, OTC cards)

Medicare Enrollment: Key Dates for 2025

Annual Enrollment Period (AEP): October 15 – December 7 This is your opportunity to switch, update, or enroll in a plan for 2025. More info here at Medicare.gov

Avoid Penalties Enrolling late in Part B or Part D can lead to permanent penalties. If you're unsure about your enrollment status, reach out to our team today—we’ll help ensure you’re protected.

Why Choose Pecan Flats?

At Pecan Flats Insurance Agency, we’re more than just a Medicare insurance provider—we’re your local partner in healthcare.

• Personalized guidance for Georgia residents

• Trusted plan comparisons with zero pressure

• Clear answers from licensed professionals

• Ongoing support year after year

Tips to Maximize Your Benefits in 2025

Review Your Annual Notice of Change (ANOC) This document outlines any changes to your current plan.

Use Your Preventive Care Screenings, vaccines, and wellness visits are covered—often at no cost to you.

Explore All Coverage Options Original Medicare may not be enough. Learn how Medigap or Advantage plans can reduce out-of-pocket costs and provide better care.

FAQs About Medicare in 2025

Will my premiums increase this year? Yes, premiums for Part A and B may increase slightly. However, assistance programs are available for eligible low-income beneficiaries.

Are telehealth visits still covered? Yes, telehealth coverage remains in place through 2024, with active policy discussions about making it permanent.

How can I get help choosing a plan? Our team at Pecan Flats is ready to guide you through all available options in your area.

Let’s Make 2025 Your Healthiest Year Yet

Staying informed and reviewing your coverage regularly is the key to maximizing your Medicare benefits. With expert help from Pecan Flats, navigating Medicare in Georgia is easy, clear, and stress-free.

👉 Schedule a free consultation today Let’s make sure your plan is working for you—not the other way around.

Disclaimer

Pecan Flats Insurance Agency does not offer every plan available in your area. Any information we provide is limited to the plans we do offer. For information on all available options, please visit Medicare.gov or call 1-800-MEDICARE.