Medicare Part D

Georgia Part D Plans for 2027: 9 Stand-Alone Drug Plans From 5 Insurers, Down From 10

ATLANTA — Georgians who buy prescription drug coverage on its own through Medicare will have 9 stand-alone Part D plans to choose from in 2027, offered by 5 insurers across the state. That is one plan fewer than the 10 stand-alone plans available in 2026, though the number of insurers in Georgia's stand-alone market stays at 5.

Medicare Part DGeorgia

Stand-alone Part D plans in Georgia are offered region-wide through CMS's "Georgia" Part D region, which means each of the 9 plans is available to anyone in the state who is enrolled in Medicare. Annual Enrollment for 2027 runs October 15 through December 7, 2026, and a choice made during that window takes effect January 1, 2027.

How many stand-alone Part D plans are offered in Georgia for 2027?

Georgia has 9 stand-alone Medicare Part D plans from 5 insurers for 2027, down from 10 plans in 2026. The insurer count holds steady at 5.

The change in plan count reflects two moves in the state's stand-alone market. Blue Cross and Blue Shield of IL, NM, OK, TX is new to Georgia for 2027. HealthSpring, which offered a stand-alone plan in Georgia in 2026, is not offering one in 2027. If a 2026 HealthSpring stand-alone plan is being discontinued, that plan's members will receive a written notice from the plan explaining their options and the dates that apply.

Which insurers offer stand-alone Part D plans in Georgia for 2027?

Five insurers offer stand-alone Part D plans in Georgia for 2027. Listed alphabetically, with the number of plans each offers:

• Aetna Medicare — 1 plan
• Blue Cross and Blue Shield of IL, NM, OK, TX — 1 plan
• Humana — 3 plans
• UnitedHealthcare — 2 plans
• Wellcare — 2 plans

These counts come from the CMS 2027 Part D Landscape file for the Georgia region. Premiums, deductibles, copays, covered drugs and preferred pharmacies vary by plan and are not listed here; those details should be checked on the Medicare Plan Finder at medicare.gov or in each plan's own documents before enrolling.

What do the 2027 Part D out-of-pocket cap and deductible limit mean for Georgia enrollees?

In 2027, the most any Part D enrollee in Georgia will pay out of pocket for covered prescription drugs is $2,400, up from $2,100 in 2026. The highest deductible any Part D plan may charge in 2027 is $700.

The $2,400 figure is an annual cap set by federal law. Once a plan member's out-of-pocket spending on covered drugs reaches it, the plan pays 100 percent of the cost of covered drugs for the rest of the calendar year. The $700 number is a ceiling, not the deductible on any particular plan — individual plans can set a lower deductible, or none at all, for some or all tiers. The actual deductible for each Georgia plan is listed on the Medicare Plan Finder.

Which Georgia Part D plans can someone with full Extra Help join at no monthly premium in 2027?

In 2027, 1 stand-alone Part D plan in Georgia can be joined with no monthly premium by a person who qualifies for full Extra Help (the low-income benchmark). In 2026, there are 2 such plans.

Extra Help is the federal program that lowers Part D premiums, deductibles and copays for people with limited income and resources. People who think they may qualify can apply through the Social Security Administration at ssa.gov or by calling Social Security. A Medicare representative at 1-800-MEDICARE can also explain how Extra Help works alongside Part D in Georgia.

How does stand-alone Part D in Georgia compare to drug coverage built into Medicare Advantage?

A stand-alone Part D plan in Georgia is prescription drug coverage only, and it is bought by people who stay with Original Medicare or who pair it with certain other coverage. The 9 plans and 5 insurers above are only the stand-alone drug plans; drug coverage that comes bundled inside a Medicare Advantage plan is a separate product and is not included in that count.

Many Medicare Advantage plans in Georgia include Part D coverage as part of the plan, and those are counted and shopped separately on the Medicare Plan Finder under Medicare Advantage. A person generally cannot be enrolled in both a Medicare Advantage plan that includes drug coverage and a stand-alone Part D plan at the same time.

How can Georgians check a plan's drug list and pharmacies before December 7, 2026?

The Medicare Plan Finder at medicare.gov is the one place where every Georgia Part D plan's formulary (drug list), pharmacy network and cost-sharing can be looked up side by side. Enter a ZIP code and a list of current prescriptions, and the tool shows which plans cover those drugs, at which pharmacies, and at what tier.

It is worth checking two things each year during Annual Enrollment: whether every medication is still on the plan's drug list for the next year, and whether a regular pharmacy is still in the plan's preferred network. Plans can change both from one year to the next, and current members receive an Annual Notice of Change from their plan each fall describing what is different for 2027. The deadline to make a change for January 1, 2027 coverage is December 7, 2026.

Where can Georgia residents get free help choosing a 2027 Part D plan?

Free, unbiased help is available directly from Medicare. The Medicare Plan Finder at medicare.gov lets anyone compare the 9 Georgia stand-alone Part D plans for 2027, and 1-800-MEDICARE is staffed 24 hours a day, 7 days a week, to answer questions and help with enrollment.

The Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which is a separate figure from any Part D plan premium. The 2027 Part D base beneficiary premium — a national number used to calculate the late-enrollment penalty — is $41.33; actual monthly premiums are set plan by plan.