Georgia Health Insurance
Georgia residents have several choices when it comes to health insurance. The main objective is to determine which plan is best for you and your family. While comparing plans you will want to make sure your new policy will allow for regular checkups, prescription drugs, and catastrophic accidents.
There are several links on this page that can assist you in what you need to know about purchasing affordable health care insurance in Georgia and understanding the benefits of health care insurance. There are also links for Georgia’s health care insurance laws, regulations, and public health insurance programs.
Understanding your Georgia health care insurance is the key to maximizing your health insurance benefits.
If you would like to get free quotes and compare Georgia health insurance plans now, start with our simple form below.
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Resources on this page
Georgia Health Insurance Stats
Georgia Residents: 9,587,400
Median Annual Household Income: $45,642
Georgia Health Care Expenditures (in millions): $53,655
Households with at least 1 Full Time Worker: 4,433,300
Georgia Health Insurance Coverage based on Total Population (%):
- Employer: 48%
- Individual: 5%
- Medicaid: 14%
- Medicare: 10%
- Uninsured: 20%
Avg. Monthly Georgia Individual Premiums: $220
Total Georgia HMO Enrollment: 1,900,767
For more information on Georgia, view additional details on Atlanta health plans.
In Georgia, residents are protected by federal laws COBRA and HIPAA if they are searching for an individual Georgia health insurance plan after leaving an employer's group coverage.
COBRA gives former employees the right to stay on their employer's group insurance coverage for a temporary period after their employment ends.
Under HIPAA, Georgia health insurance companies are not allowed to impose waiting periods or exclusion periods for pre-existing health conditions. Georgia health insurance law also requires that all HIPAA-eligible residents have guaranteed access to a health plan.
In addition, state law requires that all Georgia health insurance plans provide coverage for the following medical services:
- Care for children's clinical trials for anyone diagnosed with cancer before turning 19 years old
- Screening for breast, colorectal, cervical, prostate, and ovarian cancer
- Certain diabetes treatments
- Vaccinations for children
Here are Georgia's public health insurance programs to provide low-income residents assistance in getting coverage:
Georgia's Medicaid program offers coverage for some low-income residents, including families, individuals, pregnant women, children, and disable citizens. To find out more about Georgia Medicaid, visit their website.
- Georgia PeachCare for Kids
Uninsured children in low-income families who do not qualify for Medicaid can receive coverage from PeachCare. The health insurance program provides health insurance for children up to age 19. To learn more about the Georgia health insurance program, PeachCare, visit their website.
- Georgia Cancer Screening Program
This program provides low-income women with free screening for breast and cervical cancer. If diagnosed through this program, women can receive full health care coverage through Medicaid. To get more information, visit the Georgia health insurance program's website.
- Georgia Medicare
Seniors are eligible for Georgia health insurance through Medicare Advantage, Supplement and Original Medicare.
The Patient Protection and Affordable Care Act established temporary high risk pools to provide health insurance to people with pre-existing conditions.
The Pre-Existing Condition Insurance Plan (PCIP) in Georgia will require enrollees to pay monthly premiums and out-of-pocket expenses similar to regular Georgia health insurance plans.
Enrollees in the Georgia PCIP will have to pay around the same amount that people without pre-existing conditions pay for health insurance. The estimated monthly premiums for Georgia are $323 for ages 0 to 34; $387 for ages 35 to 44; $495 for ages 45 to 54; and $688 for ages 55 and older. In Georgia, there will also be a $2,500 deductible for covered medical expenses with an out-of-pocket limit set at $5,950.
Georgia enrollees with have health insurance coverage for physician and hospital visits, emergency services, prescription drug coverage and more.
Individuals are eligible to enroll in Georgia PCIP if they are a United States citizen, have a pre-existing condition and have been uninsured for six months.
For more information on the Georgia health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer Georgia health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Aetna covers more than 30 million members and is one of the largest health insurance companies in the country. Policyholders have access to over 787,000 doctors, hospitals and other health care providers.
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
BCBS of Georgia promises the highest-quality health insurance products. They back it up with the highest possible ratings issued by the National Committee for Quality Assurance for their HMO, PPO, and Medicare plans.
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
CIGNA is one of the oldest insurance companies in America, providing health insurance and other coverage solutions to millions of consumers around the country.
Consumers Life is part of Medical Mutual of Ohio, who has over 1.5 million members nationwide. Their diverse portfolio of health plans includes coverage for individuals, families, and businesses.
CoventryOne Florida offers affordable health insurance solutions and a wide range of convenient health care provider networks to receive quality care.
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Kaiser Permanente is the nation's largest non-profit health insurance provider with 8.2 million members across 9 states in the U.S.
Started in 1978, IAC offers management services to large companies who self-insure.
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Find the contact information for the Georgia health insurance and public health divisions at:
Two Martin Luther King, Jr. Drive
West Tower, Suite 704
Atlanta, Georgia 30334
Phone: (404) 656-2070
Two Peachtree Street, NW
Atlanta, GA 30303-3186
Phone: (404) 657-2700