Georgia Insurance Plans

The State of Georgia offers several health insurance plans. These plans are designed for employers, for families, for individuals and children. People who are employed are usually covered under group plans. If you are not covered by a group plan, you might want to purchase an individual plan or a family plan privately, depending on your circumstances.

Opting For A Private Insurance Plan

You can opt for a private health insurance plan if you belong to any of the following categories:

• You are a self employed person

• Your employer does subscribe to a group plan

• Your group plan does not cover your spouses or dependents

• The health plan in which you are currently enrolled charges high premiums

• Your benefit needs have changed ever since you enrolled in your last insurance plan

Asking For A Couple Insurance Quote

If you are looking for a joint health insurance plan that covers you and your spouse, it's best that you look for health insurance quotes together and separately. This way you'll find our which plan is the most affordable.

Insurance rates in Georgia for individual and family health insurance for couples can be based on the youngest person's age. If you and your spouse have a big age difference, you might save a lot of money by applying for the same plan rather than applying for individual plans.

Couples whose age difference is not that great might benefit by taking up separate health insurance plans. Any health insurance plan that you take up as a couple should cover the benefits both of you need.

Insurance Plan Rejection

Insurance companies in Georgia are allowed to reject a health insurance application based on the potential customer's health status, especially if the potential customer has existing health conditions.

A few exceptions apply to this rule, as follows:

• If you been previously covered under a group plan for 6 months, you may be eligible to purchase a conversion policy. Doing this will convert your group insurance plan into an individual health insurance policy.

• You may qualify as an individual eligible for coverage under HIPAA if you have had 18 months of continuous creditable coverage prior under a group plan. The second aspect of this condition is that you should have exhausted all available COBRA continuation coverage. Those that are considered eligible for HIPAA are guaranteed the right to purchase an individual health policy.

If you want to ensure that you are eligible for an individual or conversion policy, contact an insurance company today.