Leading Resource for Health Insurance in Atlanta GA
Affordable Georgia health insurance quotes online. Medicare supplement plan rates. Best supplement plans and rates in GA. Quote, compare, buy direct.
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Client Testimonials
"I will be sure to pass along your name to anyone looking to buy health care coverage in Atlanta. You have been so kind and helpful. We really appreciate it!" Kristy G.
"Just want to thank you so much for your help. I will refer you to everyone I know that own their own business and has an individual health policy. You were great! – Natalie C.
"Thanks so much Bob! I will try to send you business from all of my healthy friends, and I appreciate all of your help."-Debbie B.
Discount Medical, Dental and Vision Plans
Discount medical plans serve a purpose when the benefits of these plans are understood and used properly. Discount medical plans are NOT insurance. Discount plans are not a substitute for major medical coverage when you can afford a major medical plan and can qualify for the coverage.
Discount plans, such as Careington, are available on a stand alone basis for about $30 per month. You can also use plans like Careington when you have a major medical plan that does not include all your medical, dental or vision expenses. Many on Medicare will add a Careington discount plan.
An example would be a policy that contains an exclusionary rider for a pre-existing medical condition. Using a plan such as Careington will provide you access to discounted medical services. When an insurance company places a rider on a medical condition you are not entitled to discounted fees or accumulation toward your deductible.
Another example where a plan such as Careington would be useful is in the case of maternity. Most individual major medical plans in GA do not cover routine pregnancy expenses. If you (or your spouse) are currently pregnant and you do not have health care coverage you will not be able to buy it at any price.
If you have questions about discount medical, dental and vision plans give us a call.
Self Employed Medical Insurance Plans in Georgia
Self employed individuals and those who own a small business in Georgia have several options available to them. Most business owners that call me ask about affordable group medical rates for themselves and their employees.
For many self employed business owners, group health plans are not the best answer. Many owners and their employees can find more affordable health plans and better value with individual or family major medical coverage.
If it is determined that a group major medical plan in GA plan is in your best interest, here are some things you will need to know.
Your self employed business does not need to be incorporated but you will need evidence you have a legitimate business. Income tax and payroll records will usually suffice but some may also need a valid business license.
Some Georgia group health companies require at least 6 months of records while others will accept less. Some Georgia group health companies will allow a husband and wife to count as a legitimate business group while others do not.
If you have prior creditable coverage, a group medical plan is required to cover any pre-existing conditions. If you do not have creditable coverage, the insurance company may make you wait for up to 6 months before any pre-existing medical conditions are covered.
Ask us about affordable health insurance quotes for the self employed now.
Georgia Health Savings Accounts (HSA's)
Georgia Health Savings Accounts (HSA) are a great way to provide medical coverage for individuals, families and the self employed.
The U.S. Treasury requires you to have a qualified high deductible health insurance plan (QHDHIP) in place before you can establish a Health Savings Account. Such high deductible plans are not allowed to have copay's for anything other than annual wellness exams. All covered expenses are used to satisfy the individual or family deductible before the health insurance company pays any claims.
Most of my clients (roughly 90% of them) find the HSA to provide exactly the major medical coverage they need at an affordable premium. The HSA is a great option for the self employed business owner
You can read more about Health Savings Accounts on my other website.
Medical Insurance Plans Are not Created Equal
Many Atlanta GA Health Plans (including some Health Savings Accounts) fall short when you need them the most. Research ALL of the major medical insurance companies including Blue Cross, Cigna, Humana, Kaiser Permanente, United HealthCare Look at their plans in detail. Get a free Atlanta GA Health Insurance Quote with Rates from us today. Some medical insurance plans in Georgia, and many HSA’s, only provide a discount on prescription drugs. Many of today’s medications run in excess of $300 per month and some cancer medications are $2,000 to $6,000 per dose. We have a moral and ethical obligation to only recommend FULL PRESCRIPTION DRUG COVERAGE Atlanta Georgia Health Insurance plans so our clients will not come up short when they need it the most.
Georgia Medicare Plans, Medicare Supplement Insurance (Medigap Insurance)
Medicare supplement insurance, Medigap policies, Medicare Advantage Plans, or simply Med supp . . . all of this can be quite confusing. As part of the baby boomer generation, I know how challenging it can be if you are trying to decide which Medicare plan is right for you.
Medicare Supplement coverage (or Medigap) is designed to fill the gaps in coverage left by Medicare. It is sold by private insurance companies, not the government. Advantage plans replace Medicare.
When you choose the right Medicare supplement insurance plan in Georgia you can sleep well at night knowing you will not have to worry about unexpected medical expenses. Your Medicare approved doctor, not some insurance company, decides what treatment is right for you. Since 1965 people just like you have trusted Medicare to pay their bills.
We have put together several pages with information on Medicare and Medicare supplement plans in Georgia that we hope will be helpful. Several of the pages contain short 3 minute video's to further explain your Medicare supplement options in plain language.
Compare Medicare supplement insurance plans and rates, apply direct.
How does Medicare part A work? What is Medicare part B, part C and part D? What is the difference in a Medicare supplement plan and a Medicare Advantage Plan? Is a Medigap insurance plan the same as a Medicare supplement plan? If I have Medicare isn't that enough or do I need to supplement this coverage? Do most doctors take Medicare? Do some doctors refuse to treat Medicare Advantage patients? Is Medicare Part A and Part B plus a supplement enough or do I need a Medicare Part D plan? Can I be turned down for Medicare? When should I sign up for Medicare and a supplement?
We will strive to do our best to answer these questions about Medicare supplement and more to your satisfaction.
Compare Medicare SupplementPlans and view rates from BCBSGA (Blue Cross), Gerber, Mutual of Omaha. More Medigap rates available offline on request.
Affordable Health Insurance in Georgia and Instant Health Insurance Quotes
You will find many affordable health insurance plans for individuals, families and the self employed in the market place. Many are available online at Georgia Insurance Shop. It is not hard to find health insurance plans that meet your needs and budget as long as you know where to look and how to effectively shop for good coverage. All the major health insurance companies in Georgia offer low cost, affordable health insurance plans to cover the most basic needs as well as catastrophic coverage. You can find affordable medical insurance plans from Blue Cross Blue Shield (BCBSGA), Cigna, Humana One, United Healthcare and more. Here are just a few major medical plans to consider.
Aetna Health Insurance in Georgia -
Aetna has some of the worst customer service of any health plan in Georgia. We do not advise any client to purchase from this company. Buy at your own risk. The only carrier worse than Aetna is Coventry.
Blue Cross Blue Shield of Georgia (BCBSGA) – Popular Health Insurance Plans
Blue Cross Blue Shield of Georgia has a new addition to their popular SmartSense health insurance plans. The new POS has richer benefits and lower, affordable premiums than the older plans.
BCBSGA SmartSense POS – A new Georgia health plan introduced in November, 2009. (SmartSense PPO available in select zip codes). Yearly exam covered with no deductible, insured responsible for 30% of the fee. Office visit copays are $30, copay for ER is $500. Choice of deductibles from $750 to $20,000. Annual out of pocket is the deductible plus $3,000. Maternity is not an option with the SmartSense plans. Optional Enhanced Rx benefit, dental and life available.
All the POS plans have a limited doctor network and a very limited drug formulary.
Quote, review and apply for Blue Cross of Georgia health insurance here.
Humana One Health Care Coverage in Georgia – Affordable Health Insurance + Outstanding Value
HumanaOne has two very popular health plans that cover everything you really need but don't leave you holding the bag should you need expensive prescription medication
Buy HumanOne Affordable Value Plans
HumanaOne Value continues to be a popular health insurance plan among clients who are willing to trade a slightly higher deductible in order to gain premium savings but still want full Rx coverage with a copay. All covered expenses (except Rx) funnel to satisfy the $7,500 (or $5,000) deductible. Once the deductible is satisfied, network claims are paid a 100%. Value plans have a separate $1,000 deductible for brand name prescription drugs followed by copays. Annual physical exams are covered at no charge.
Compare HumanaOne Copay Plans
HumanaOne Copay 70 is a great health plan in Georgia for those who are looking for a lower deductible and set office visit copays. Copay 70 gives you the choice of deductibles from $1500 – $5,000 deductible after which covered expenses are paid at 70%. Annual exams are covered with a $35 office visit copay.
Quote, review and apply for HumanaOne health insurance in Georgia plans here.