It’s not that difficult to find a private health insurance plan that can provide proper coverage for you and your family if you live in Georgia. In fact, enter your zip code in the search bar and discover a range of plans.

You’ll be shown a comprehensive list of Georgia health insurance plans that are available for your location, and these plans come from well-known carriers such as Tonik, Cigna, Blue Cross, Golden Rule, Aetna, and Humana.

Among these plans, you can find several that should fit your budget. You can then check the details of each plan so you can make sure you get adequate coverage for your money.

If you’re an employee, it’s also possible for you to obtain much more affordable health insurance through your employer. They will pay for part of the premiums, and you’ll also be offered coverage even if you have a preexisting medical condition. If you’re self-employed, you can apply for a small group plan to cover the health insurance of your employees and yourself.

Avoiding a Lapse in Coverage

The advantage of these employer-sponsored plans is that a private carrier can’t withhold coverage for an employee due to a preexisting condition, even though this may affect the premiums for the entire workforce as a result.

But there’s an exception to this. If for any reason you’re not covered by adequate Georgia health insurance for more than 63 days, the private insurance firm may be able to exclude coverage for the particular preexisting condition for the first year of the policy.

This is a problem if you’re transferring from one workplace to another, as often there’s a waiting period before new employees can fully enjoy health benefits. However, you do have the COBRA program that enables you to extend the health insurance coverage you had at your previous workplace until the new policy takes effect. This extension can go on for the next 18 months, so you should have enough time to line up a new job after your previous employment.

Another option to avoid a coverage lapse of this length is to procure a short-term health insurance policy. This can last just long enough for you to enjoy the benefits of your new employer-sponsored health insurance plan.

Medicare, Medicare & Low Income Health Insurance in Georgia

Not everyone has access to work-sponsored health insurance, and many people are not able to afford private insurance. In such cases, there are other options such as Medicare and Medicaid.

Medicare is a federal program that covers the medical expenses of senior citizens over the age of 65. It can also pay for the medical bills of people with disabilities. If you’re retired or with a disability, you then pay a monthly insurance premium for Medicare Part B. Usually, this amount is taken out from your Social Security check before you receive that check.

Medicaid is for people who cannot afford to pay for proper health insurance. You can be eligible if you’re a Supplemental Security Income recipient and you’re over the age of 65 or if you’re blind or disabled. The income limit for this group is $9,000 per year for an individual and $13,500 if you’re a couple. The resource limit is $2,000 for an individual and $3,000 for a couple.

You may also qualify for Medicaid if you’re aged, disabled, or blind, and live in a nursing home. The income limit is $27,000 per year with the same resource limits. If you require regular nursing services and personal care, but you can still stay at home with special community services, you may also qualify. The resource limits are still the same, as well as the income limit.

Medicare Part A refers to hospital insurance. If you’re aged, disabled, or blind, and you have this insurance, and your income is less than 100% of the federal poverty level, then Medicaid will pay for the premiums for Medicare Parts A and B, along with the coinsurance and deductibles. This makes you a Qualified Medicare Beneficiary. For an individual, the income limit is $12,384 per year, and the resource limit is $7,560. For couples, the income ceiling is $16,704 per year, and the resource limit is $11,340.

Other potentially qualified beneficiaries include terminally ill patients, parents and guardians with children under the age of 19, pregnant women and their infants, and children under the age of 19. Each group has its own sets of income limits to qualify.

PeachCare for Kids

Each state has its own Children’s Health Insurance Program (CHIP) designed to offer coverage for uninsured children. In Georgia, this program is called PeachCare for Kids. It is available for children under the age of 19 whose families have an annual income level that’s equivalent to 247% of the federal poverty level. This equates to an annual income level of $62,004 for a family of 4.

Eligible children must either be a US citizen or is an eligible legal immigrant. However, parents are not required to prove their status as citizens or legal immigrants.

Other Programs

For those who can’t pay for private health insurance when their COBRA extension ends, there is also the HICP, which stands for the Health Insurance Continuation Program. Georgia also has the Children’s Medical Services for children under the age of 21 who need specialty care. The Georgia Volunteer Health Care Program (GVHCP) lets doctors in Georgia donate their services towards treating insured people with incomes below 200% of the federal poverty level.

Georgia Open Enrollment 2019 & Georgia Obamacare Insurance

The Georgia Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.

For all your other questions regarding health insurance in Georgia, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.

Information on Georgia Health Insurance Plans