Below are some frequently asked questions about health insurance Georgia plans?

1. Can I buy my health insurance Georgia policy from out of state?

In the past, Georgia residents were legally required to purchase their health insurance Georgia plan from within the state. However, this past March, both the House and the Senate approved legislation that allows Georgia to purchase health insurance Georgia plans from across state lines. Be aware that even if you purchase your policy from outside the state, health insurance Georgia plans will be specifically created to adhere to Georgia mandates regarding health insurance. Apparently, the Democrats in the Georgia House were in opposition of the new legislation, but HB 1184 was still passed. The goal of this legislation is to allow for more competition between health insurance providers, and therefore reduce costs for health insurance Georgia plans to residents.

2. Do I have to have a high deductible?

There are many different plans to choose from. Your deductible amount will be determined by your type of plan, and your type of plan will be determined by how much you are willing to pay. There are many different health insurance Georgia plans that have no deductible requirements for members who see doctors who are in the health insurance Georgia plan network. Some individuals choose to have plans with very high deductibles in order to keep their monthly premiums low. Recently, many insurance providers have been offering high deductible, low monthly premium health insurance Georgia plans, which work along with Health Savings Accounts, in order to help members keep costs low. These Health Savings Accounts are used to pay off deductible costs, and have tax implications. Check with your health insurance Georgia company customer representative or an insurance broker for additional details.

3. Can I go to the doctor even though I don’t feel sick?

There are many medical services that are recommended for healthy individuals in order to prevent future health or medical problems. These services are typically referred to as preventive care, and they are recommended by the American Medical Association. They typically occur when an individual is healthy, and serve to maintain healthy lives. So, certainly, there will be times when a healthy individual should go to the doctor to make sure that all vital signs are within normal ranges. Also, at certain times, screenings and exams are recommended to catch any early signs of serious illness, such as cancer. The reason for this is that early diagnosis leads to early treatment, which leads to a better prognosis. This, in turn, leads to lower medical costs for both the individual and the health insurance Georgia Company. Therefore, preventive services are covered by most health insurance Georgia plans.

4. Will my health insurance Georgia policy be effective on the day I submit my application?

A health insurance Georgia policy application is completed by a prospective member, and is then sent to the underwriting department of a particular insurance carrier. That department reviews the information and determines if the individual and family members will be approved to purchase a policy. They will then determine the effective date. Usually, the effective date is the first of the following month after the application has been received.