Georgia Health Insurance

Health Insurance Overview

Georgia residents have many options for health care coverage. There are numerous Georgia insurance providers to choose from, along with a variety of Georgia medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Georgia health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Georgia medical insurance from the best Georgia insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Georgia health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Georgia health insurance programs, and even details on some of the top Georgia insurance providers.

To compare specific Georgia medical insurance plans offered by the various Georgia insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Georgia health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Georgia health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Georgia? Find your state here.

Georgia Health Insurance Facts & Statistics

Total Georgia Residents – 9,671,400

Total Health Insurance Coverage In Georgia:
Employer – 49%
Individual – 5%
Medicaid – 14%
Medicare – 9%
Other Public – 3%
Uninsured – 20%

Average Individual Monthly Premiums – $220

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 20%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $965

Average adjusted hospital cost per inpatient day – $1,353

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Georgia Medical Insurance Laws, Regulations & Policies

There are several Georgia health insurance laws and regulations that are put in place to protect policyholders living in the state. Under state laws, all Georgia medical insurance plans must cover certain medical care services. Those medical services include:

  • Care for children’s clinical trials for anyone diagnosed with cancer before turning 19 years old
  • Screening for breast, colorectal, cervical, prostate, and ovarian cancer
  • Certain diabetes-related care
  • Vaccinations for children

In Georgia, residents are protected by federal laws COBRA and HIPAA if they are searching for an individual health insurance plan after leaving an employer’s group coverage. COBRA gives former employees the right to stay on their employer’s group insurance coverage for a temporary period after their employment ends. Under HIPAA, Georgia insurance providers are not allowed to impose waiting periods or exclusion periods for pre-existing health conditions. Georgia health insurance law also requires that all HIPAA-eligible residents have guaranteed access to a health plan.

Georgia Health Insurance Resources

Georgia Department of Community Health

The Department of Community Health insures nearly 2 million people, maximizing the state’s health care purchasing power while planning coverage for uninsured Georgians and coordinating health planning for state agencies. Visit their website.

Georgia Department of Community Health Directory

Contact information for all community health departments including the Office of Rural Health Services, the Office of Minority Health, and the Office of Women’s Health. Visit their website.

Georgia Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to people with pre-existing conditions. The Pre-Existing Condition Insurance Plan (PCIP) in Georgia works similar to regular medical plans and requires enrollees to pay monthly premiums and out-of-pocket expenses

Enrollees in the Georgia PCIP pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly premiums for Georgia are $323 for ages 0 to 34; $387 for ages 35 to 44; $495 for ages 45 to 54; and $688 for ages 55 and older. In Georgia, there will also be a $2,500 deductible for covered medical expenses with an out-of-pocket limit set at $5,950. Residents who are eligible for the plan get access to health insurance coverage for physician and hospital visits, emergency services, prescription drug coverage, and more.

Individuals are eligible to enroll in Georgia PCIP if they are a United States’ citizen, have an existing medical condition, and have been uninsured for six months. For more information on the Georgia health insurance high risk pools visit http://www.healthcare.gov/index.html.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Georgia Medical Insurance and Health Care Programs

The state of Georgia offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    Georgia’s Medicaid program offers coverage for some low-income residents, including families, individuals, pregnant women, children, and disabled citizens. To find out more about Georgia Medicaid, visit the website.
  • Georgia PeachCare for Kids
    PeachCare is free or low-cost health insurance for uninsured children up to the age of 19. Uninsured children in low-income families who do not qualify for Medicaid can receive coverage from PeachCare. To learn more about the Georgia health insurance program for kids, visit the website.
  • Georgia Cancer Screening Program
    This program provides low-income women with free screening for breast and cervical cancer. If diagnosed through this program, women can receive full health care coverage through Medicaid. To get more information, visit the Georgia medical insurance program’s website.
  • Georgia Medicare
    Seniors are eligible for Georgia medical insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Georgia Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Aetna AARP Health Insurance

Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to more than 787,000 doctors, hospitals and other health care providers.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Blue Cross Blue Shield of Georgia Health Insurance

BCBS of Georgia promises the highest-quality health insurance products backed with the highest possible ratings issued by the National Committee for Quality Assurance for its HMO, PPO, and Medicare plans.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Cigna Health Insurance

CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.

Consumers Life Company Health Insurance

Consumers Life is part of Medical Mutual of Ohio, which has more than 1.5 million members nationwide. Its diverse portfolio of health plans includes coverage for individuals, families, and businesses.

Coventry Health Care Health Insurance

Coventry One Georgia offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Kaiser Permanente Health Insurance

Kaiser Permanente is the nation’s largest non-profit health insurance provider with 8.2 million members across nine states in the U.S.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Georgia Insurance and Safety Fire Commissioner and Division of Public Health

Find the contact information for the Georgia health insurance and public health departments at:

Georgia Insurance and Safety Fire Commissioner
Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, Georgia 30334
Phone: (404) 656-2070
http://www.gainsurance.org

Georgia Division of Public Health
Two Peachtree Street, NW
Atlanta, GA 30303-3186
Phone: (404) 657-2700
http://health.state.ga.us/