
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in 31303, GA
With 111 Medicare Advantage options from 13 insurers, 31303, GA has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 99% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 2 hospitals within 25.0 miles, verifying your preferred hospital is in-network is especially important here. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.
Data freshness: CMS data as of February 2026 •
ACS data as of 2023 •
CDC PLACES data as of 2025 •
Reviewed & approved on 2026-02-16 •
Page last updated May 2026
Reviewed by: Wes Ward, Founder & Data Lead •
View our methodology
Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).
Medicare Eligibility in 31303, GA
Approximately 442 residents (24.9% of the population) in 31303, GA are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.
The median household income in 31303, GA is $69,226 (7.9% below the National Average), which may affect eligibility for Extra Help with Part D drug costs.
Part C: Medicare Advantage Plans
Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 31303, GA's 111 Medicare Advantage plans are a mix leaning toward PPO networks (70 PPO, 40 HMO). 110 plans offer $0 monthly premiums. The average local star rating is 3.9 out of 5, with the top plan earning 4.5 ★.
Top Medicare Advantage Plans in 31303, GA
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 31303, GA range from $0 to $29/month. Among rated plans, 50 plans rated 4+ stars, including 5 with perfect 5-star ratings.
Highest CMS Star Ratings
Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.
| Plan Name | Insurer | Star Rating | Premium | Type | |
|---|---|---|---|---|---|
| Uhc Dual Complete Sc-S001 (PPO D-SNP) | Unitedhealthcare | 4.5 ★ | $0.00/mo | PPO D-SNP | Enroll |
| Humanachoice H7617-095 (PPO) | Humana | 4.5 ★ | $0.00/mo | PPO | Enroll |
| Uhc Complete Care Sc-1 (PPO C-SNP) | Unitedhealthcare | 4.5 ★ | $0.00/mo | PPO C-SNP | Enroll |
| Humanachoice H7617-093 (PPO) | Humana | 4.5 ★ | $0.00/mo | PPO | Enroll |
| Uhc Complete Care Support Sc-7 (PPO C-SNP) | Unitedhealthcare | 4.5 ★ | $0.00/mo | PPO C-SNP | Enroll |
Lowest Monthly Premium
Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.
| Plan Name | Insurer | Monthly Premium | MOOP | Star Rating |
|---|---|---|---|---|
| Aetna Medicare Elite (PPO) | Aetna Medicare | $0.00/mo | $9,250 | 4.0 ★ |
| Uhc Dual Complete Sc-S001 (PPO D-SNP) | Unitedhealthcare | $0.00/mo | $9,250 | 4.5 ★ |
| Humanachoice H7617-095 (PPO) | Humana | $0.00/mo | $6,750 | 4.5 ★ |
| Uhc Complete Care Sc-1 (PPO C-SNP) | Unitedhealthcare | $0.00/mo | $6,700 | 4.5 ★ |
| Uhc Complete Care Ga-3 (PPO C-SNP) | Unitedhealthcare | $0.00/mo | $9,250 | 4.0 ★ |
Lowest Maximum Out-of-Pocket (MOOP)
MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.
| Plan Name | Insurer | MOOP (In-Network) | Premium | Star Rating |
|---|---|---|---|---|
| Wellcare Simple (HMO-POS) | Wellcare | $5,200 | $0.00/mo | 4.0 ★ |
| Anthem Extra Help (HMO-POS) | Anthem Blue Cross And Blue Shield | $5,900 | $0.00/mo | 3.5 ★ |
| Uhc Dual Complete Sc-V001 (PPO D-SNP) | Unitedhealthcare | $5,900 | $0.00/mo | 4.5 ★ |
| Anthem Kidney Care (HMO-POS C-SNP) | Anthem Blue Cross And Blue Shield | $5,900 | $0.00/mo | 3.5 ★ |
| Bluecross Blue Basic (PPO) | Blue Cross Blue Shield Of South Carolina | $5,900 | $0.00/mo | 4.0 ★ |
Plan Type Mix in 31303, GA
HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.
| Plan Type | Count | Percentage | Description |
|---|---|---|---|
| PPO | 43 | 38.7% | No referrals; in and out-of-network |
| HMO D-SNP | 14 | 12.6% | Medicare Advantage plan |
| HMO-POS | 11 | 9.9% | HMO with some out-of-network options |
| PPO C-SNP | 11 | 9.9% | Medicare Advantage plan |
| PPO D-SNP | 10 | 9.0% | Medicare Advantage plan |
| HMO | 8 | 7.2% | Requires referrals; in-network only |
| Regional PPO | 3 | 2.7% | Medicare Advantage plan |
| HMO I-SNP | 3 | 2.7% | Medicare Advantage plan |
| HMO-POS D-SNP | 2 | 1.8% | Medicare Advantage plan |
| PPO I-SNP | 2 | 1.8% | Medicare Advantage plan |
| HMO C-SNP | 1 | 0.9% | Medicare Advantage plan |
| Regional PPO C-SNP | 1 | 0.9% | Medicare Advantage plan |
| PFFS | 1 | 0.9% | Private Fee-for-Service |
| HMO-POS C-SNP | 1 | 0.9% | Medicare Advantage plan |
Choosing the Right Medicare Advantage Plan
The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:
- Provider network: Verify your doctors and hospitals near 31303, GA are in-network before enrolling
- Total cost: A $0 premium may have higher copays—calculate your annual cost
- Star Ratings: 4+ stars indicate above-average quality and member satisfaction
Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →
Medicare Advantage Insurers in 31303, GA
13 insurance companies offer Medicare Advantage plans in 31303, GA. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.













Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.
Part D: Prescription Drug Plans (PDP)
Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 21 standalone Part D plans in 31303, GA, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 4 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.
Top Part D Drug Plans in 31303, GA
We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 31303, GA range from $0 to $153/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.
Highest CMS Star Ratings (Part D)
Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.
| Plan Name | Insurer | Star Rating | Premium | Deductible | |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $4.80/mo | $615 | Enroll |
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $9.70/mo | $615 | Enroll |
| Bluecross Rx Value (PDP) | Blue Cross Blue Shield Of South Carolina | 3.5 ★ | $139.70/mo | $615 | Enroll |
Lowest Monthly Premium
Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.
| Plan Name | Insurer | Monthly Premium | Drug Deductible | Star Rating |
|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $0.00/mo | $615 | 3.0 ★ |
| Wellcare Value Script (PDP) | Wellcare | $4.80/mo | $615 | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $9.70/mo | $615 | 3.5 ★ |
Lowest Annual Drug Deductible
The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.
| Plan Name | Insurer | Drug Deductible | Monthly Premium | Star Rating |
|---|---|---|---|---|
| Humana Premier Rx Plan (PDP) | Humana | $0 | $129.50/mo | 3.0 ★ |
| Humana Premier Rx Plan (PDP) | Humana | $0 | $145.60/mo | 3.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $139.20/mo | 2.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $139.80/mo | 2.0 ★ |
| Humana Value Rx Plan (PDP) | Humana | $601 | $36.40/mo | 3.0 ★ |
Choosing the Right Part D Drug Plan
The right Part D plan depends on your specific medications. Key factors to evaluate:
- Formulary: Verify your drugs are covered before enrolling
- Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
- Total annual cost: Premium + deductible + copays for your drugs
Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →
Part D Drug Plan Insurers in 31303, GA
6 insurance companies offer standalone Part D drug plans in 31303, GA. Below, we group plans by insurer.






Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.
Ready to Enroll in 31303, GA?
Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.
📋 Print our Medicare Enrollment Checklist — gather your info before you compare.
📅 Enrollment Dates & Deadlines · 🩺 Questions to Ask Your Doctor
Medicare.gov is the official U.S. government site for Medicare. Available 24/7.
Pharmacy Access in 31303, GA
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 31303, GA.
Total Pharmacies
Chain Pharmacies
Independent Pharmacies
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| EFFINGHAM HOSPITAL, INC. | 459 HIGHWAY 119 S SPRINGFIELD, GA 313293021 912-275-0283 | 8.6 mi | Independent |
| QUICK RX DRUGS INC | 504 NORTH LAUREL STREET SPRINGFIELD, GA 31329 912-275-6444 | 8.7 mi | Independent |
| PILLAR DRUG COMPANY | 1 HIDDEN CREEK DR GUYTON, GA 313124590 912-277-9100 | 12.7 mi | Independent |
| TOWNE PHARMACY OF RINCON LLC | 6014 GA HIGHWAY 21 S STE P RINCON, GA 313265573 912-282-0250 | 13.9 mi | Independent |
| PREFERRED PHARMACY LLC | 10911 N JACOB SMART BLVD STE E RIDGELAND, SC 299362729 843-322-3501 | 17.5 mi | Independent |
| CANDLER HOSPITAL INCORPORATED | 300 NEW RIVER PKWY HARDEEVILLE, SC 299274450 843-320-2895 | 22.0 mi | Independent |
| OKATIE PHARMACY INC | 30 WILLIAM POPE DR BLUFFTON, SC 299097515 843-370-4444 | 23.6 mi | Independent |
| WALKER PHARMACY AND GIFTS, INC. | 102 PARKER AVE S BROOKLET, GA 304158208 912-284-9886 | 23.7 mi | Independent |
| SHARPE MCCOOK PHARMACY | 23630 US HIGHWAY 80 E # A STATESBORO, GA 304616019 912-276-2223 | 27.6 mi | Independent |
| WAL-MART STORES EAST LP | 730 NORTHSIDE DR E STATESBORO, GA 304584766 912-276-2110 | 28.3 mi | Chain |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in 31303, GA
Before choosing a plan, consider the healthcare infrastructure in 31303, GA. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.
Hospitals Nearby
Top-Rated Hospitals near 31303, GA
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 31303, GA — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Coastal Carolina Hospital | 4 ★ | 18.1 mi | 41 |
| East Georgia Regional Medical Center | 3 ★ | 29.1 mi | 150 |
| Beaufort County Memorial Hospital | 3 ★ | 35.0 mi | 197 |
| Candler Hospital | 2 ★ | 33.8 mi | 320 |
| St Joseph's Hospital - Savannah | 2 ★ | 35.8 mi | 294 |
| Savannah Health Services Llc Dba Memorial Health University Medical Center | 1 ★ | 33.9 mi | 619 |
| Effingham Health System | Not Rated | 8.6 mi | 25 |
| Hampton Regional Medical Center | Not Rated | 27.2 mi | 32 |
| Optim Medical Center - Screven | Not Rated | 27.7 mi | 25 |
| Allendale County Hospital | Not Rated | 32.2 mi | 25 |
View all 2 hospitals near 31303, GA to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 31303, GA.
Telehealth in 31303, GA: Is Your Internet Ready?
Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 31303, GA. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.
Check Internet Providers at Your Address
Telehealth works best with reliable internet. Use this tool (provided free by ISP Reports) to see what's available at your address.
Opens ISP Reports in a new tab. This is not a paid relationship. Special thank you to ISP Reports for allowing free use of their address tool.
Internet Coverage in 31303, GA
Internet coverage data from ISP Reports. View full internet report for 31303, GA.
Medicare-Relevant Demographics in 31303, GA
Understanding 31303, GA's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.
Demographic data from U.S. Census Bureau American Community Survey (2023). View full 31303, GA demographics (BestNeighborhood.org).
Community Health in 31303, GA
CDC PLACES population-health estimates for 31303, GA. These indicators influence which Medicare plans tend to perform best here — plans that score well on condition-specific quality measures (diabetes A1c control, blood-pressure control, heart-attack readmission) are usually stronger matches in communities with elevated disease burden.
Source: CDC PLACES (2025) — zip-level, population-weighted estimates.
Medicare Plans by Health Condition in 31303, GA
Not every Medicare plan performs equally on every condition. These condition-specific pages rank the plans available in this zip by the CMS quality measures that matter most for each condition:
Top Medicare Doctors in 31303, GA
Medicare-enrolled doctors practicing in or near 31303, GA, ranked by specialty leadership and Medicare patient volume. The plan you pick is only as good as the doctors who accept it — verify your preferred doctors are in-network before enrolling.
Qualify for Both Medicare & Medicaid?
If you are dual-eligible for Medicare and Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) combines both into a single card — typically with $0 premiums, $0 copays, and extra benefits like dental, vision, transportation, and over-the-counter allowances.
View D-SNP Plans in 31303, GA →Local Medicare FAQ: 31303, GA
Common decision points based on 31303, GA's specific plan market and local healthcare landscape.
How does 31303, GA's Medicare Advantage market compare?
31303, GA has 111 Medicare Advantage plans from 13 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 40 HMO and 70 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).
Should I choose an HMO or PPO Medicare Advantage plan in 31303, GA?
With limited hospital access nearby, a PPO plan (70 available) could be worth the extra cost for out-of-network coverage, especially if you need to travel for specialized care. In 31303, GA, PPO plans are more common, giving you more flexibility options to compare. Always verify your doctors are in-network before enrolling in any plan.
What's the real cost of $0 premium plans in 31303, GA?
110 plans (99% of available options) in 31303, GA charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 31303, GA, maximum out-of-pocket limits range from $5,200 to an average of $8,311. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.
How does the 2026 $2,000 drug cap affect 31303, GA beneficiaries?
The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 21 standalone Part D plans in 31303, GA.
What this means locally:
- Cost predictability — No matter which of the 21 Part D plans you choose, your drug costs are capped at $2,000/year
- $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
- Low-income options — 4 plans meet the regional benchmark for Extra Help/LIS eligibility
While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.
See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions
About the Data & Editorial Team
Wes Ward
Founder & Data Lead
Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.
With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.
Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.
Transparency & Disclosures
InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.
TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.
Sources
- CMS Medicare Plan Finder Data (Part C & D): Plan availability, premiums, deductibles, formularies, and Star Ratings from cms.gov
- CMS Provider Data: Hospital and pharmacy facility data from data.cms.gov
- CMS NPPES: Doctor identity, specialties, and addresses from npiregistry.cms.hhs.gov
- CMS Medicare Provider Utilization & Payment Data: Doctor patient volumes and procedures from data.cms.gov
- CMS Physician Compare: Doctor-hospital affiliations from data.cms.gov
- CDC PLACES: Zip-level chronic-condition prevalence (Behavioral Risk Factor Surveillance System estimates) from cdc.gov/places
- U.S. Census Bureau / American Community Survey: Demographics for 31303, GA from census.gov
- FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
- Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
- ISP Reports: Internet provider coverage for 31303, GA from ispreports.org
- BestNeighborhood.org: Community demographic profiles for 31303, GA from bestneighborhood.org
- CrimeGrade.org: Block-level safety analytics for 31303, GA from crimegrade.org
All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates. Read our full methodology → • Privacy policy