Just because your employer doesn’t offer health insurance coverage in your benefits package doesn’t mean that you don’t need it, unfortunately if just means that you will have to find and purchase your policy on your own. If you live in Georgia, you have many health insurance providers to choose from, and it can all be a bit confusing, so it is important that you learn what you should lookout for, or pay special attention to, when purchasing your Georgia health insurance coverage.
The first thing you will need to do is learn the difference between managed care plans, and indemnity plans. If you choose the wrong one, you could end up in a bad situation. You see, managed care plans are your typical health insurance plans, with deductibles and co-pays, so all you have to worry about is paying your premium, and your co-pay each time you visit a covered Georgia healthcare provider. With the indemnity plans, you are required to pay all of your medical costs up front, and then file a claim with the insurance provider, who will at some point, reimburse you the covered portion of your expense. For people who are on a tight budget, this could make things very difficult for them, and could result in them not getting the healthcare they need.
Don’t just look at the cost of the policy; look at what you will be getting for that cost. Think about your current healthcare needs, and anything that could come up in the future. You really should make certain that your Georgia health insurance policy offers prescription drug coverage, in-patient hospital fees, medically necessary surgeries, preventative healthcare, maternity care, and maybe even vision/dental care.
Be careful to not only look at your premiums, but also the extra costs that you may have to pay, such as co-pays, deductibles, or co-insurance costs. You want to keep your out of pocket spending to a minimum, while still being able to get the healthcare that you need.
Do you want to learn more about how to choose health insurance that is right for you? I have just completed my brand new guide titled ‘Don’t Buy Insurance in Georgia Until You Read This. What the Insurance Industry Doesn’t Want You to Know.