Blue
Cross
health insurance in Atlanta has been
available since the 1930's. Blue Cross Blue Shield of Georgia has 21
different plans for individuals, families and children.
You can purchase Blue Cross of Georgia heatlh insurance with or without
dental
coverage. Their dental plan is mid-priced offering routine cleanings
and exams twice yearly at a nominal charge. Other basic services are
covered after satisfying a $50 annual deductible. The Blue Cross dental
network is statewide and includes many dentiss.
Blue Cross health insurance in Atlanta includes several copay plans and
two HSA
qualified plans.
The copay plans include an emergency room copay. All plans (including
the HSA) cover annual exams for a nominal copay. Major medical
deductibles range
from $750 to $20,000. Rx deductibles apply before you can access the Rx
copay.
The HSA plans are issued on a single or family basis. They offer plans
that cover expenses at 80% after the deductible as well as 100%.
Some plans from Blue Cross do not cover brand name prescription drugs
or outpatient benefits.
MATERNITY
Blue Cross of Georgia offers maternity coverage, but only if
you purchase a maternity rider at time of application. Like all health
insurance
companies in Georgia, complications associated with pregnancy are
covered as any illness. Maternity benefits covered by the rider are
available after the policy has been in effect for 12 months.
UNDERWRITING
Underwriting can be brutal and often requires a lot of patience. We
pre-screen every application before sending it on to Blue
Cross for review.
Blue Cross does not issue riders for pre-existing conditions. Instead,
they
surcharge the standard premium rates to account for the risk.