Georgia Health Insurance - Health Insurance in Atlanta Georgia

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Client Testimonials

"I will be sure to pass along your name to anyone looking to buy health insurance 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 insurance 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.

But I Need Health Insurance NOW!

Immediate Short Term Health Insurance

Do you need Atlanta Health Insurance RIGHT NOW? A short term health insurance plan may just be the trick. Get a quote, apply today and coverage can be effective at midnight if you qualify. No medical exam. Short, 3 question application. Run instant quotes for immediate Georgia Short Term Health Insurance now.

Guaranteed Acceptance Health Insurance

Need coverage longer than 6 months? Can't qualify medically for Georgia Short Term medical? Georgia Core Med does not ask health questions. Coverage begins immediately and you can keep it as long as necessary, up to age 65.

Most People don't need a guaranteed acceptance health insurance plan. They can usually meet the underwriting standards of most major health insurance companies.

But if you have been denied health insurance coverage a guaranteed issue health insurance plan might be just what you need. Review Georgia Core Health insurance and apply now.

Self Employed Health Insurance

Self employed individuals and those who own a small business have several options available to them. Most business owners that call me ask about affordable group health insurance for themselves and their employees.

For many self employed business owners, group health insurance is not the best answer. Many owners and their employees can find better value with individualal or family major medical insurance plans.

If it is determined that a group health insurance 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 insurance companies require at least 6 months of records while others will accept less. Some Georgia group health insurance 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 health insurance plan is required to cover any pre-existing conditions. If you do not have creditable coverage, the health insurance company may make you wait for up to 6 months before any pre-existing medical conditions are covered.

Ask us about health insurance for the self employed now.

Georgia HSA Insurance Plans

Georgia Health Savings Accounts (HSA) are a great way to provide health insurance 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 health insurance plans are not allowed to have copays 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.

Medicare Supplement Insurance

Medicare supplement insurance, Medigap policies, Medicare Advantage Plans . . . 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.

We have put together several pages with information on Medicare and Medicare insurance plans that we hope will be helpful. Several of the pages contain short 3 minute video's to further explain your Medicare options in plain language.

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?

These questions and more will hopefully be answered on this site.

Social Networking Sites

Find me on FaceBook and follow me on Twitter. You can follow updates on health insurance, health care and a few of my other favorite topics.

Instant Quotes for Atlanta Health Insurance

Guaranteed Health Insurance!

Get plan information and rates on Guaranteed Acceptance Health Insurance Plans in Georgia.

No Health Questions
No Physical Exams
Next Day Health Insurance Coverage for Qualified Individuals!

Discounts up to 80% off retail Doctor's order NOT required.
CLIA certified labs. Confidential results in 24-48- hours

Health Insurance Plans Are not Created Equal

Many Atlanta Health Insurance Plans (including some Health Savings Accounts) fall short when you need them the most. Research ALL of the major Health Insurance companies including

Look at their plans in detail. Get a free Atlanta Health Insurance Quote with Rates from us today.

Some Health 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 Health Insurance plans so our clients will not come up short when they need it the most.

Georgia Accident Insurance Plans

Georgia accident insurance plans offer up to $250,000 in accident medical insurance coverage. Over 28 million emergency room visits each year. Don't be without coverage. Quote accident insurance now and Apply Online

Affordable Georgia Health Insurance

You will find many affordable Georgia 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 Georgia medical insurance plans from Aetna, Blue Cross Blue Shield, Cigna, Humana, United Healthcare and more. Here are just a few to consider.

Aetna high deductible copay health insurance plans for the extreme budget minded who will accept a higher deductible but still want office copays. Brand name Rx is not covered under these plans

Managed Choice Open Access and PPO Value 10000 No wait annual exam, deductible waived, $50 office fee. Insured pays 30% after the deductible. Office visits (deductible waived) with $30 copay visits 1 - 2 (primary care); $30 copay visits 1 - 2 for specialist. Emergency room copay $300 (waived if admitted). Annual out of pocket maximum including major medical deductible is $12,500 per individual.

Managed Choice Open Access and PPO Value 7500 No wait annual exam, deductible waived, $20 office fee. Insured pays 20% after the deductible. Unlimited office visits (deductible waived) with $40 copay visits 1 - 6 (primary care); 20% after deductible for specialist. Emergency room copay $150 (waived if admitted). Annual out of pocket maximum including major medical deductible is $10,000 per individual.

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 insurance 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.

HumanaOne has two very popular health insurance plans that cover everything you really need but don't leave you holding the bag should you need expensive prescription medication

HumanaOne Monogram 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 $7500 deductible. Once the deductible is satisfied, network claims are paid a 100%. Monogram has a separate $1,000 deductible for brand name prescription drugs followed by copays. Annual physical exams are covered at no charge (after a 90 day initial waiting period. up to $300 per person per year.

HumanaOne Autograph Share 70 is a great health insurance plan for those who are looking for a lower deductible and do not need office visit copays. Similar to the Monogram, all expense (other than Rx) funnel to the deductible. Autograph Share 70 give you the choice of having either a $2,500 deductible or a $5,000 deductible after which covered expenses are paid at 70%. The deductible is waived for annual exams and covered at 70%

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