Medicare Plans in Effingham County, Georgia — 2027
The short answer: 60 Medicare plans are available in Effingham County, Georgia for 2027, offered by 8 insurance companies. Monthly premiums range from $0 to $138. 43 of these plans (72%) charge no monthly premium. The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Effingham County is $5,900.
Plans available in Effingham County
| Plan | Insurance company | Plan type | Monthly premium | CMS star rating |
|---|---|---|---|---|
| AARP Medicare Advantage Patriot No Rx GA-MA01 (PPO) | UnitedHealthcare | PPO | $0 | 3.5 out of 5 stars |
| AARP Medicare Advantage from UHC GA-10 (HMO-POS) | UnitedHealthcare | HMO-POS | $0 | 3.5 out of 5 stars |
| Aetna Medicare Dual Extra Care (HMO D-SNP) | Aetna Medicare | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Aetna Medicare Dual Extra Care (PPO D-SNP) | Aetna Medicare | PPO D-SNP | $0 | 3.5 out of 5 stars |
| Aetna Medicare Eagle Extra Plus (PPO) | Aetna Medicare | PPO | $0 | 3.5 out of 5 stars |
| Aetna Medicare Eagle Plus (PPO) | Aetna Medicare | PPO | $0 | 3.5 out of 5 stars |
| Aetna Medicare Full Dual Care (HMO D-SNP) | Aetna Medicare | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Anthem Dual Advantage (HMO D-SNP) | Anthem Blue Cross and Blue Shield | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Anthem Full Dual Advantage (HMO D-SNP) | Anthem Blue Cross and Blue Shield | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Anthem Kidney Care (HMO-POS C-SNP) | Anthem Blue Cross and Blue Shield | HMO-POS C-SNP | $0 | 3.5 out of 5 stars |
| Anthem Veteran (HMO-POS) | Anthem Blue Cross and Blue Shield | HMO-POS | $0 | 3.5 out of 5 stars |
| Anthem Veteran (PPO) | Anthem Blue Cross and Blue Shield | PPO | $0 | 4.5 out of 5 stars |
| Clover Health LiveHealthy (PPO) | Clover Health | PPO | $0 | 5 out of 5 stars |
| Clover Health LiveHealthy Giveback (PPO) | Clover Health | PPO | $0 | 5 out of 5 stars |
| Clover Health Valor (PPO) | Clover Health | PPO | $0 | 5 out of 5 stars |
| DEVOTED C-SNP CHOICE ENHANCED 017 GA (PPO C-SNP) | Devoted Health | PPO C-SNP | $0 | 4 out of 5 stars |
| DEVOTED C-SNP CHOICE GIVEBACK EXTRAS 020 GA (PPO C-SNP) | Devoted Health | PPO C-SNP | $0 | 4 out of 5 stars |
| DEVOTED C-SNP CHOICE PLUS 016 GA (PPO C-SNP) | Devoted Health | PPO C-SNP | $0 | 4 out of 5 stars |
| DEVOTED CHOICE 010 GA (PPO) | Devoted Health | PPO | $0 | 4 out of 5 stars |
| DEVOTED CHOICE GIVEBACK 011 GA (PPO) | Devoted Health | PPO | $0 | 4 out of 5 stars |
| DEVOTED CHOICE GIVEBACK EXTRAS 024 GA (PPO) | Devoted Health | PPO | $0 | 4 out of 5 stars |
| DEVOTED CHOICE MA ONLY 003 GA (PPO) | Devoted Health | PPO | $0 | 4 out of 5 stars |
| Georgia Health Advantage Choice (HMO I-SNP) | Georgia Health Advantage | HMO I-SNP | $0 | 3.5 out of 5 stars |
| Humana Gold Plus SNP-DE H4141-003 (HMO D-SNP) | Humana | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Humana Gold Plus SNP-DE H4141-024 (HMO D-SNP) | Humana | HMO D-SNP | $0 | 3.5 out of 5 stars |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP | $0 | 4 out of 5 stars |
| Humana Together in Health (PPO I-SNP) | Humana | PPO I-SNP | $0 | 4.5 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| Humana USAA Honor Giveback (PPO) | Humana | PPO | $0 | 4.5 out of 5 stars |
| HumanaChoice - Diabetes and Heart (PPO C-SNP) | Humana | PPO C-SNP | $0 | 4 out of 5 stars |
| HumanaChoice Giveback H5216-154 (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| HumanaChoice H5216-157 (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| HumanaChoice H5216-421 (PPO) | Humana | PPO | $0 | 4 out of 5 stars |
| HumanaChoice H7617-093 (PPO) | Humana | PPO | $0 | 4.5 out of 5 stars |
| HumanaChoice R0110-019 (Regional PPO) | Humana | Regional PPO | $0 | 3.5 out of 5 stars |
| PruittHealth Premier Advantage (HMO I-SNP) | PruittHealth Premier | HMO I-SNP | $0 | Not yet rated by CMS |
| PruittHealth Premier D-SNP (HMO D-SNP) | PruittHealth Premier | HMO D-SNP | $0 | Not yet rated by CMS |
| UHC Complete Care GA-3 (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete GA-Q2 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete GA-Q3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 3.5 out of 5 stars |
| UHC Dual Complete GA-S3 (HMO-POS D-SNP) | UnitedHealthcare | HMO-POS D-SNP | $0 | 3.5 out of 5 stars |
| UHC Medicare Advantage Patriot No Rx GS-MA01 (Regional PPO) | UnitedHealthcare | Regional PPO | $0 | 3.5 out of 5 stars |
| Humana Dual Select H5216-206 (PPO D-SNP) | Humana | PPO D-SNP | $0.40 | 4 out of 5 stars |
| Aetna Medicare Dual Care (PPO D-SNP) | Aetna Medicare | PPO D-SNP | $1.80 | 3.5 out of 5 stars |
| UHC Complete Care Support GS-1A (Regional PPO C-SNP) | UnitedHealthcare | Regional PPO C-SNP | $2.10 | 3.5 out of 5 stars |
| Georgia Health Advantage (HMO I-SNP) | Georgia Health Advantage | HMO I-SNP | $6.30 | 3.5 out of 5 stars |
| HumanaChoice H5216-280 (PPO) | Humana | PPO | $6.30 | 4 out of 5 stars |
| PruittHealth Premier (HMO I-SNP) | PruittHealth Premier | HMO I-SNP | $6.30 | Not yet rated by CMS |
| UHC Complete Care Support GA-9 (PPO C-SNP) | UnitedHealthcare | PPO C-SNP | $6.30 | 3.5 out of 5 stars |
| UHC Dual Advantage GA-V1 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | $6.30 | 3.5 out of 5 stars |
| UHC Dual Complete GA-S2 (PPO D-SNP) | UnitedHealthcare | PPO D-SNP | $6.30 | 3.5 out of 5 stars |
| HumanaChoice H7617-114 (PPO) | Humana | PPO | $13 | 4.5 out of 5 stars |
| HumanaChoice H5216-466 (PPO) | Humana | PPO | $25 | 4 out of 5 stars |
| Aetna Medicare Value Plus (PPO) | Aetna Medicare | PPO | $25.40 | 3.5 out of 5 stars |
| Clover Health LiveHealthy Premier (PPO) | Clover Health | PPO | $35 | 5 out of 5 stars |
| UHC Medicare Advantage GA-2 (PPO) | UnitedHealthcare | PPO | $35 | 3.5 out of 5 stars |
| Aetna Medicare Enhanced (PPO) | Aetna Medicare | PPO | $53 | 3.5 out of 5 stars |
| Anthem Medicare Advantage 2 (HMO-POS) | Anthem Blue Cross and Blue Shield | HMO-POS | $55 | 3.5 out of 5 stars |
| Humana Full Access R0110-020 (Regional PPO) | Humana | Regional PPO | $138 | 3.5 out of 5 stars |
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
How Effingham County compares with Georgia
Effingham County has 60 Medicare plans for 2027, compared with a Georgia county average of about 71 plans. Across Georgia, premiums run from $0 to $216.80 and 78% of plan listings charge $0. In Effingham County the median monthly premium is $0, and residents can choose from 8 insurance companies.
Insurance companies in Effingham County
- Humana — 18 plans
- UnitedHealthcare — 12 plans
- Aetna — 8 plans
- Devoted Health — 7 plans
- Anthem Blue Cross and Blue Shield — 6 plans
- Clover Health — 4 plans in Effingham County — see statewide line-up
- PruittHealth Premier — 3 plans in Effingham County — see statewide line-up
- Georgia Health Advantage — 2 plans in Effingham County — see statewide line-up
Special Needs Plans in Effingham County
29 of the plans in Effingham County are Special Needs Plans: 15 Dual Special Needs Plans (for people with both Medicare and Medicaid); 8 Chronic Condition Special Needs Plans; 6 Institutional Special Needs Plans. Eligibility for these plans is limited to the group each plan serves. See the Dual Special Needs Plans guide and the Medicare Savings Programs guide for how qualification works.
Frequently asked questions
- How many Medicare Advantage plans are available in Effingham County in 2027?
- 60 Medicare plans are available in Effingham County, Georgia for 2027, offered by 8 insurance companies.
- What is the lowest Medicare Advantage premium in Effingham County?
- The lowest monthly premium in Effingham County is $0, charged by UHC Complete Care GA-3 (PPO C-SNP).
- How many $0-premium Medicare plans are in Effingham County?
- 43 of the 60 Medicare plans in Effingham County (72%) charge no monthly premium.
- What is the lowest out-of-pocket maximum in Effingham County?
- The lowest in-network out-of-pocket maximum among Medicare Advantage plans in Effingham County for 2027 is $5,900, on Anthem Kidney Care (HMO-POS C-SNP).
- Which insurance companies offer Medicare plans in Effingham County?
- The insurance companies offering Medicare plans in Effingham County for 2027 are: Humana (18 plans), UnitedHealthcare (12 plans), Aetna (8 plans), Devoted Health (7 plans), Anthem Blue Cross and Blue Shield (6 plans), Clover Health (4 plans), PruittHealth Premier (3 plans), Georgia Health Advantage (2 plans).
- Are there Special Needs Plans in Effingham County?
- Yes. 29 Special Needs Plans are offered in Effingham County for 2027: 15 Dual Special Needs Plans (for people with both Medicare and Medicaid); 8 Chronic Condition Special Needs Plans; 6 Institutional Special Needs Plans.
- What is the lowest Part D deductible in Effingham County?
- The lowest Part D deductible among plans with drug coverage in Effingham County for 2027 is $0.
Nearby counties
- Medicare plans in Bryan County
- Medicare plans in Bulloch County
- Medicare plans in Chatham County
- Medicare plans in Screven County
Source: CMS CY2027 Landscape Source File, data as of October 18, 2026. Plan information is based on publicly available information from Medicare.gov. Premiums and plan availability are subject to change as contracts are finalized.
About star ratings: Medicare evaluates plans every year and rates them on a 5-star system based on quality and performance. Star ratings shown on this page are the official CY2027 ratings published by CMS. A plan with no rating shown has not yet been rated by CMS.
Talk with a licensed agent about the plans in your area: call 1-866-340-3441.