Believe it or not, there really is such a thing as affordable Georgia health insurance. Here’s how to get a cheap rate on Georgia health insurance with a reliable company.
Georgia Health Insurance Options
You have a number of options for getting health insurance in Georgia. They are:
Government Sponsored Health Insurance Programs
Medicaid is a federally funded health insurance program for people who can’t afford health insurance. In order to receive Medicaid you must be in a low income bracket. Depending on your circumstances you may receive free medical care, or you may be asked to pay for a portion of your medical care.
Peach Care for Kids
Peach Care for Kids is a state sponsored health insurance program for children of low income families. This plan covers children’s medical care, vision care, and dental care.
Right From the Start Medicaid
Right From the Start Medicaid provides medical coverage for low income pregnant women and children under the age of 18.
To find out more about these government sponsored programs, visit the Georgia Health Partnership website at: ghp.georgia.gov
Private Health Insurance Programs
Private health insurance in Georgia includes two basic types of programs:
Managed Health Care Plans
Managed health care plans (HMOs, PPOs, and POSs) assign you to a network of doctors and hospitals which you must use for your health care. HMOs are the cheapest plans because you are restricted to using only network doctors and hospitals. PPOs and POSs cost slightly more than HMOs because you can use out-of-network doctors and hospitals.
Indemnity Health Insurance Plans
Indemnity health insurance plans, also called fee-for-service plans, are the most expensive plans because they allow you to use doctors and hospitals of your choosing.
Affordable Georgia Health Insurance
In order to get the least expensive health insurance plan you need to get rate quotes from a number of health insurance companies and compare them. The easiest way to do that is to go to an insurance comparison website where you fill out one simple questionnaire in order to get your quotes.
The best of these websites lets you talk with a health insurance expert so you can ask questions and get help choosing the best plan with the best rate.
Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get Georgia health insurance rate quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.