Georgia Individual Health Insurance

Georgia has 34 Individual and Family Health Insurance providers. These insurance providers enjoy patronage from those people that are not covered by group insurance policies.

Individual Health Insurance

If you do not belong to any group sponsored health insurance plan, you might want opt for an individual health insurance plan from a private health insurance company. You can save time and money if you compare Georgia health insurance quotes among multiple health insurance program carriers prior to purchase.

Health Insurance Regulations

Georgia state imposes several health insurance regulations for group insurance programs and individual insurance programs. These regulations are a little different for individual health insurance policies in Georgia, when compared to other US states. In Georgia, health insurers will likely not accept your application if you suffer from any existing medical condition.

Your health insurance company can actually attach an elimination rider to your policy if you have a pre-existing health condition. Almost all health insurance companies pose an exclusion period of 24 months or less. Additionally, health insurance companies can charge any amount as your monthly premium. Itýs the same situation when your health plan is due for renewal. Note that if you become sick, your insurance cannot be cancelled.

Commercial Health Plans

Atena: This plan is available in all counties and offers HMO plans, Medicare Advantage HMO and PPO, PPO and so on.

Blue Cross Blue Shield: This plan is covered in a few counties and offers all the regular HMO and PPO based insurance products, apart from specific products such as Vision, Life, Disability, Employee Assistance Program and Flexible Spending Account.

Cigna: This plan offers coverage in all counties, and sells Medicare Advantage, Open Access, POS, PPO and other products apart from regular HMO and PPO products.

Coventry: This plan covers a few but not all counties, and sells HMO, POS, including Qualified High Deductible Health Plans, Medicare Advantage and PPO, including Qualified High Deductible Health Plans.

Humana: This plan covers all counties and sells HMO, POS, PPO, Medicare Advantage Products, Medicare PDP Products and Humana One.

Kaiser Permanente: This plan is not covered in all counties and offers only a few products such as HMO, DHMO, HDHP/HAS, POS and Medicare Advantage.

United Health Care: This plan is sold in all counties and offers products such as HMO, PPO, HAS, HRA, FSA, HDHP, Medicare Advantage and Medicare Supplement.

Ask for a quote and read the fine print before deciding on the individual insurance that's best for you.