Georgia Health InsuranceIndividuals and Families
Georgia Health Insurance
How to find an affordable plan.
Georgia's Public Health department released a study that showed the most common cause of death for Georgia residents under age 75 was motor vehicle accidents. While most accidents don't end in fatalities, we all know how easy it can be to be involved in a motor vehicle accident. The medical costs from an accident can wipe out much of your savings if you don't have health insurance. Health insurance allows you to introduce some predictability to your healthcare expenses. By accepting a policy with a specific premium, you get the comfort and security of knowing that your insurance company is going to pay the largest portion of any medical bills you incur. By pooling your premium payment with the premium payments of other policy holders, the insurance company creates a reserve of funds to pull from to pay their portion of medical expenses. Since many policyholder's expenses will be less than they pay in premiums, the insurance company will generally have unused funds to carry over into the next year. This page will help you understand how to find the most affordable individual health insurance to protect you and your family’s health and finances.
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Health Insurance Coverage Options and Considerations
Georgia residents have a lot of choices when it comes to health insurance. The first consideration when determining the right policy for you and your family, is to decide if you want a policy that allows for regular check ups with your doctor or not. If you aren't concerned with preventative care and routine visits to your doctor, but do want to protect yourself against catastrophic accidents, you may wish to consider a major medical policy. Major medical policies cover only those expenses accrued in relation to a catastrophic illness or accident. These would include major surgeries and hospital care. Major medical policies can be very affordable for Georgia residents because the premiums are low since the likelihood of actually utilizing the policy is low.
If you work for a company that offers group coverage, you may wish to take advantage of this affordable insurance plan. With group coverage, your employer may pay part of your premium and your policy won't be priced based on your individual health. Group health insurance policies are underwritten by evaluating the experience of similarly sized groups in similar locations. The price of the policy is also based on group experience. If you have preexisting conditions, this can make a huge difference because the insurance company is not rating your individual risk, but the risk of your group. COBRA coverage is offered to group insurance members who leave the group, in order to help prevent a gap in coverage.
If you don't have access to group coverage, and want a health insurance policy that provides coverage for routine and preventative care, the individual coverage is the next option. Individual insurance offers a veritable buffet of options to make it affordable. It is individually underwritten so the healthier you are the cheaper your policy will be. Individual insurance can offer high or low deductibles and varying copayment options to help move the premium price point.
Georgia has some specialized plans for low income families under their Georgia Healthy Families program. By partnering up with private care management organizations, the Georgia Department of Community Health is able to offer PeachCare, a healthcare program for children age 18 and younger who do not qualify for Medicaid or other insurance.
Health Insurance Exchanges in Georgia
To learn more about the benefits of the Health Insurance Exchange in your state, click here
Resources and Information
Georgia Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Georgia Doctor Directory
Doctors practicing medicine in the State of Georgia are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.