Georgia Health Insurance
Affordable Georgia Health Coverage Options
It is time to research affordable health insurance in Georgia options for next year! If you and your family live in Georgia, you face the uncertainties of an upcoming Presidential election and the challenges of the COVID-19 pandemic. Selecting the BEST insurance, at the lowest rates, is more critical now than ever.
TrueCoverage provides helpful resources and guidance for selecting affordable health insurance that meets your specific needs. Remember, the Open Enrollment Period starts November 1st and runs through December 15th
Select your Georgia Health Insurance coverage soon, and you will save yourself last-minute headaches. The TrueCoverage team is here to help by providing pre-registration services. We will contact you with health coverage packages tailored to you, your family, and your business.
Exploring Affordable Health Coverage in Georgia
When looking for cheap health insurance in Georgia, the first thing you should understand is that policies with the lowest monthly payments (your insurance Premium) might not be your best option.
The REAL price of health coverage depends on many variables. Deductibles and co-pays increase costs, while discounts like premium tax relief and a state insurance subsidy can LOWER your medical expenses. A premium might look high at first, but the total amount you spend on medical services could be much lower!
For those shopping for Medicare add-ons, Georgia has many options. Georgia has only 16% enrollment in Medicare, about 38% of those are enrolled in Medicare Advantage plans. Medicare Advantage and Medicare supplemental plans could save you a LOT of money.
10 Health Services Mandated for all ACA-Compliant Plans
Before the Affordable Care Act, insurers could refuse to cover various health benefits, resulting in overwhelming debt for many.
The ACA fixed those loopholes and mandated that all ACA-qualifying plans include these coverages:
- Emergency services
- Prescription drugs
- Ambulatory patient services (hospital services that don’t need an overnight stay)
- Laboratory services
- Maternity and newborn care
- Pediatric services (for children), including dental and vision care
- Mental health and substance abuse services
- Preventive and wellness services, including chronic disease management
- Rehabilitative/habilitative services and devices
The Coronavirus Pandemic, COVID-19 Testing, and the FFCRA
COVID-19 is the hot topic health insurance issue in Georgia. If you lose your health insurance due to COVID-19 or your employer closed because of the Coronavirus, testing is available atat no charge. The Families First Coronavirus Response Act (FFCRA) passed in March 2020, ensures that everyone can receive COVID-19 testing.
See our 5 top Georgia health insurance companies at the bottom of this page.
Key Details about Health Insurance in Georgia
- Georgia also protects consumers from ‘surprise’ billing
- For more details, see our Blogs:
- When is a surprise not a surprise? When it’s a SHOCK!
- Joe Biden – building on Medicare
- For more details, see our Blogs:
- Self-employed married couples in Georgia can buy ‘small group’ coverage to save money.
Despite these advantages, Georgia Health Insurance is more expensive than in most other states.
Exploring the Health Insurance Marketplace in OK
Georgia residents can sign up for health insurance using private insurance exchanges. These marketplaces offer more ACA-compliant plans than the state.
With Health Insurance Exchanges, you gain access to ancillary insurance options like:
- Accidental Death,
- Critical Illness,
- Medicare Advantage, Medicare Supplemental,
- and more.
Benefits of Working with a Health Insurance Broker
TrueCoverage is a Certified Direct Enrollment Partner of Healthcare.gov, affordable Georgia health insurance solutions. We offer more health insurance plans than any other resource in GA, and our unique technology quickly delivers the ‘BEST VALUE’ insurance policies that address your needs.
Like brokers in every state, TrueCoverage must operate without bias. Our job is to find you the best health insurance options, regardless of the insurance carrier. Brokers search for policies that best meet your needs. We also assist you throughout your contract. For example, if a dispute arose with your insurer, TrueCoverage steps in to help.
TrueCoverage is familiar with your state’s unique insurance rules, and we understand the Georgia health insurance options from the largest carriers, to the smaller specialty health insurers.
The Top 5 Health Insurance Companies in Georgia
Choosing from over 50,000 plans is daunting without independent, expert advice. That is where TrueCoverage shines. To help, we have identified the top five health insurance companies in GA.
These ratings, from The National Committee for Quality Assurance (NCQA), are based on Consumer Satisfaction, Preventive Care, and Medical treatment.
More details about the top insurance carriers in Georgia
The NCQA rates these ACA-compliant health plans as the BEST in Georgia:
- Kaiser Foundation Health Plan of Georgia, Inc.
- Aetna Health Inc. (Georgia)
- Aetna Life Insurance Company (Georgia)
- Blue Cross Blue Shield Healthcare Plan of Georgia, Inc dba Anthem Blue Cross and BlueShield
- Cigna Health and Life Insurance Company-Georgia
All ACA-compliant and Medicare plans have a star rating based on similar criteria.
Click below to learn more:
NOW is the best time to select your ACA Affordable Georgia health insurance, BEFORE Open Enrollment starts on November 1st, 2020.
Looking to find affordable health insurance?
Click on the button below to and connect with our agent to get insurance in 24 hours.
Georgia uses a Federally facilitated health insurance exchange. This Exchange does NOT regulate short term health insurance plans. While short term plans have their usefulness, they are NOT bound by the Affordable Care Act mandates and are NOT eligible for premium tax relief.
Georgia is a party to the Texas-led attempt to invalidate the ACA. The case is currently before the courts and any ruling probably will not affect your 2021 the health insurance plans.
Did You Know?
Named after King George II, who approved the colony’s charter in 1732, The Peach State became the 4th state in 1788.
The great outdoors: Georgia is home to the oldest state park in the nation, has the largest swamp in North America and is home to some 350 species of birds. Perhaps that influenced Juliette Gordon Low to found the Girl Scouts here in 1912.