Health Insurance

One only has to read a newspaper, watch television, or listen to the radio to know and appreciate the importance of securing and maintaining quality Georgia health insurance. Costs of both routine medical care and specialized treatments are increasing at a much faster pace than are household incomes. This fact alone makes having Georgia health insurance a necessity which one cannot afford to be without or lose! This is why so many people are turning to insuranceUSA.com for their Georgia health insurance quotes. In its most basic form, health insurance is simply a written policy which covers the cost of medical expenses. Some states expand this to include disability and long-term care.

This article will provide you with information detailing the regulations of Georgia health insurance, both for individuals and small groups. You will also find information pertaining to COBRA- the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan allows many workers to continue group coverage for a limited amount of time under certain circumstances, such as the loss of a job, reduction in work hours, transition between jobs, death, divorce, and other life events.

You will also be provided with some interesting statistics which will allow you to compare the health and well-being of Georgians to those of people who live in other parts of the country.

All you need to know about Georgia health insurance is fully outlined in this article. Once you have read and learned what is available to you and made your personal choices, insuranceUSA.com is standing by to assist you with quotes specifically tailored to your individual needs.

Georgia Individual and Family Health Insurance
Many Georgia health insurance companies which offer individual and family health insurance plans may base their decision on whether to approve or deny your application for health insurance on your current or past health status. Any person applying for health insurance will have to fill out a detailed application, which involves answering many questions relating to your present and previous health status, family medical history, and life-style questions, such as smoking habits, alcohol consumption, etc. Based on this information, an Georgia health insurance company can deny you coverage altogether, or they may offer you a policy which contains a rider, which basically excludes coverage for any pre-existing condition. This rider can be enforced for a limited amount of time or can be in effect for the entire time you hold the insurance policy. Some Georgia health insurance companies also place a waiting period on pre-existing conditions, even if a formal rider was not written into the policy. This is regardless of whether the person to be insured had prior health insurance or not.

Georgia Group Health Insurance
To qualify for Georgia health insurance, a company must have between 2 and 50 employees on staff. However, a company is not required to offer Georgia health insurance to all employees. For instance, those who only work part-time, or who do not live within the insurance service area may not be eligible for the group coverage. Under Georgia health insurance regulations, an employer may require a waiting period before employees are able to obtain group insurance. This waiting period is decided on by the employer, and not the insurance company. Pre-existing conditions may make an employee ineligible for total coverage under their plan. This usually applies to conditions that you were treated for within the past six months prior to the start date of coverage. However, there are types of Georgia health insurance that will cover pre-existing conditions that are not covered by the group insurance. Eligible employees who meet all the requirements are guaranteed insurance benefits regardless of their current health.

Georgia COBRA Insurance
Georgia health insurance regulations require that COBRA applies to employers with 20 or more employees. An employee who is eligible to have COBRA coverage can keep the coverage for up to 18 months, or until they acquire another type of Georgia health insurance. Depending on the situation, some eligible dependents can stay covered for 36 months, and the disabled for up to 29 months. Georgia health insurance under COBRA is the same coverage you had with your group plan. If the group plan you belonged to ends, the COBRA plan will end also. For those whose COBRA coverage has run out or ended, Georgia health insurance can be obtained through the Georgia Comprehensive Health Insurance Association (ACHIA).

Georgia Health Information and Statistics
If you are in the market for quality Georgia health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Georgia ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Georgia are high immunization coverage and a low prevalence of binge drinking. Georgia also faces many challenges, including a high rate of uninsured population, a high incidence of infectious disease, a low high school graduation rate, and high levels of air pollution

According to a 2008 study, Georgia had some significant changes over the past year. Over the past 12 months, per capita public health funding decreased by 22% and immunization coverage declined by 3%. Since 1990, the prevalence of smoking decreased by 39% but the prevalence of obesity increased by 166%.

Following is a variety of statistical data related to living in Georgia, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Georgia health insurance.

  • Prevalence of Smoking-22nd
  • Prevalence of Obesity-40th
  • Violent Crime-34th
  • Children in Poverty-41st
  • Air Pollution-50th
  • Cancer Deaths-26th
  • Lack of Health Insurance-41st
  • Prevalence of Binge Drinking-9th
  • Infant Mortality-40th
  • Infectious Disease-47th
  • Premature Death-39th

Overall Rank: 41
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