When you are looking for health insurance in Georgia, you have a lot of options. There are at least seven large insurance companies that provide health insurance in Georgia. These are Aetna, Humana, Kaiser Permanente, United Healthcare, Coventry, Blue Cross Blue Shield, and Cigna. But that is not the only health insurance in Georgia. There are three government-subsidized plans to take care of the health insurance needs of children. These are AmeriGroup, Peach State, and Well care. The plans offered by these three companies do have restrictions and certain criteria must be met. The monthly premiums for government-subsidized health insurance in Georgia are low and based on financial need.
If you are not going to get government-subsidized health insurance in Georgia, then you can choose from one of the plans offered by the large insurance carriers. There are lots of plans available to you from one of these companies. The main thing is that it is easy to find health insurance in Georgia. Talk to a licensed independent insurance broker if you have questions, or research all the plans online.
Insurance Terms you Need to Know to Choose Good Health Insurance in Georgia
It can be confusing to research health insurance in Georgia. Here are some words you should know.
Certificate of Coverage – This is the proof that you have insurance coverage.
Coinsurance – This usually refers to a percentage of physician charges that you are responsible for.
Deductible – Often, you will have to spend a certain amount of money before the insurance benefits start.
Lifetime Maximum – This is the limit of benefits that health insurance in Georgia will give you over your lifetime.
Medigap Coverage – Even if you have Medicare, you may want to have additional health insurance in Georgia to cover some of the procedures, or pharmacy costs, that Medicare does not include.
About 60% of residents get their health insurance in Georgia from their place of employment. If you have the option to do that, be sure to look into it. Often, this is the most affordable way of getting health insurance in Georgia for you and your family. Even small businesses often make health insurance in Georgia available to their employees. The large insurance companies have special plans designated for small businesses, with two or more employees. So, you don’t have to work for a large corporation to get health insurance in Georgia.
If you are unemployed or self-employed, you can still get health insurance in Georgia. You can apply for an individual plan, or you can check with government agencies to see what health insurance in Georgia they offer.
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