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Thank you for your interest
in Blue Cross Blue
Shield of Georgia
(BCBSGa), a company committed
to making health care work
for all of us. For more than
six decades we've been helping
Georgia residents maintain
a healthy way of life.
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Get
a Quote online |
Apply
online now |
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Blue
Cross and Blue Shield of Georgia is
an independent licensee of the Blue
Cross and Blue Shield Association
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Aetna is one of
the nation's leading providers
of health, dental, group, life,
disability and long-term care
benefits Health Care Networks:
More than 700,000 health care
professionals More than 418,000
primary care doctors and specialists
4,231 hospitals A network of
specialist physicians, AexcelSM,
based on clinical performance
and cost efficiency . Learn
more about Aetna Health plans
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Aetna
of Georgia |
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Get
A Quote |
Apply
Now |
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Assurant
Health makes
it easy for you to get
health insurance the
way you want it. You'll
get:
- Many plan and benefit
options — so
you can choose what
best meets your needs
- Information in
plain English —
not "insurance
speak"
- An easy way to apply
for coverage
- Quality health insurance
and competitive pricing
- The backing of an
industry leader with
more than 110 years
in the business
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Health
Insurance Overview
Just like other forms of insurance,
for your car and your home, health
insurance helps relieve the burden
of unexpected events: you put away
a little in case you need a lot
later. You and your family's health
should be of the highest priority.
Every year, the cost of healthcare
increases dramatically. Simple same-day
surgeries, required tests and emergency
attention can add up to thousands
of dollars or more.
The overall benefits of health
insurance are obvious. You won't
be avoiding the doctor because it
costs too much. The hospital bills
won't be piling upon your desk waiting
for attention. Your health insurance
will provide the help and care you
demand. Also, if you drive a car,
health insurance will work cooperatively
with your auto insurance in case
of an accident.
There are many health insurance
companies available, offering various
types of plans. We are capable to
get you the best plan and coverage
to suit your needs.
Using this comprehensive tutorial,
you can find out about different
types of health insurance, choosing
a policy, and much more. |
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Health Insurance - Understanding
The Basics |
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What is health insurance?
Simply put, health insurance is protection
against medical costs. A health insurance
policy is a contract between an insurer
and an individual or group, in which
the insurer agrees to provide specified
health insurance at an agreed-upon
price (the premium). Depending on
your policy, your premium may be payable
either in a lump sum or in installments.
Health insurance usually provides
either direct payment or reimbursement
for expenses associated with illnesses
and injuries. If your employer does
not offer a health insurance plan,
you may wish to purchase health insurance
on your own.
Why do you need it?
Let's face it-- health insurance
is a necessity in today's world.
The costs of medical care and treatment
have soared to new heights in recent
years and are expected to rise even
further in the years to come. Think
for a moment about the enormous
medical costs you would incur if
you suffered a major injury tomorrow
or were suddenly stricken with a
life-threatening illness. Uninsured
people live with such risk every
day of their lives; health insurance
can shield you from that risk. Even
if you're healthy today and have
never had any major problems in
the past, you simply can't predict
the future.
In addition to medical emergencies,
routine conditions requiring visits
to a physician happen all the time.
This is especially true if you have
children. Ear infections, rashes,
and high fevers are commonplace
with infants and children; numerous
trips to the doctor can be pretty
expensive without health insurance.
What do you need to know?
You should know where to get health
insurance, and understand the various
types of private health insurance
that are available. There are some
important differences between indemnity
plans, HMOs, PPOs, and POS plans
worthy of understanding.
You should also make every effort
to understand your own health insurance
policy, and become familiar with
common health insurance provisions,
including limitations, exclusions,
and riders. It's important to know
what your policy covers, and what
you'll have to pay for in out-of-pocket
expenses.
When comparing health insurance
policies, you should strive to balance
coverage against cost. While price
is an important consideration, there
are also other factors that may
influence your decision when it
come to choosing a health insurance
plan.
Understanding the taxation of health
insurance benefits and premiums
is also an important issue, especially
if you're self-employed.
Being aware of your COBRA rights,
in the event that you lose your
health insurance coverage due to
a change in employment or other
factors is also worth investigating.
When to get it?
If you don't have health insurance
right now, you should seriously
consider purchasing it as soon as
possible. No one can predict the
future--you don't know when you
might suffer an accident or become
seriously ill. Health insurance
can help to protect you against
financial ruin.
tonik
georgia
Please Note: The information contained
in this Web site is provided solely
as a source of general information
and resource. It is a not a statement
of contract and coverage may not
apply in all areas or circumstances.
For a complete description of coverages,
always read the insurance policy,
including all endorsements
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Blue Cross of California has been
serving the health care needs of Californians
since 1937. Blue Cross of California,
together with its branded affiliates,
provides health care services to more
than 6.8 million members. Offering
a full continuum of product and coverage
options, Blue Cross provides customers
with unparalleled choice and flexibility
in meeting their health plan needs.
These options are continually fine-tuned
to enhance access to affordable, quality
health care. The Company, with its
strong track record for innovation,
focuses on progressive products and
services designed to improve the health
status of all Californians. Unique
product offerings available in the
individual, small group, large group,
senior and Medi-Cal markets include
a full range of integrated medical
and specialty products.
Blue Shield of California Life
& Health Insurance Company Life
has grown by offering competitive
insurance products including Group
Term Life, Accidental Death &
Dismemberment, Blue Shield of California
Life & Health Insurance Company
Life Vision Plan, Stop Loss and
Exec-U-Med medical reimbursement
plans in tandem with Blue Shield
of California health plans or on
a stand-alone basis . In the early
1980s, introduced their Short-Term
Health products. The Option One
and Option Twelve plans remain one
of the leading products of their
kind in California
PacifiCare Signature FreedomSM
With the PacifiCare SignatureFreedomSM
(SDHP) plan, you can enjoy the freedom
and flexibility of a traditional
PPO plan with the added feature
of Self Directed Account (SDA).
The SDA is fully insured by PacifiCare
Life and Health Insurance Company
and provides a yearly credit of
$1,000 for certain routine and preventive
services.
Any unused funds carry over year
after year, for as long as you are
enrolled on the plan.
Once you deplete your SDA, or if
you require services not covered
by the SDA, the plan defaults to
a PPO plan.
You must meet annual deductibles.
Eligible medical services paid from
the SDA will count toward satisfying
the PPO deductible.
PacifiCare SignatureValueSM
These coordinated plans provide
the most comprehensive coverage
of our plan offerings. Your medical
care is coordinated by the primary
care physician (PCP) you select.
You visit your PCP for general medical
care, and when you need to see a
specialist, your PCP provides a
referral. In general:
You choose a PCP from our network.
You are charged only a co-payment
for a doctor's visit. After your
co-payment, many health care expenses
are covered at 100%.
Preventive health care, including
check-ups, is covered.
You do not have to meet an annual
deductible
Assurant Health is the brand name
used for products underwritten and
issued by Time Insurance Company,
John Alden Life Insurance Company
and Union Security Insurance Company.
California license numbers: 08109
( Time Insurance Company), 08107
(Union Security Insurance Company)
and 3894 (John Alden Life Insurance
Company). Assurant Health only accepts
agent business from agents licensed
and appointed in accordance with
state laws.
Free Health Insurance Quote offered
through Affiliate Program at Alabama,
Alaska, Arizona, Arkansas, Connecticut,
Delaware, District of Columbia (Washington
DC), Florida, Georgia, Hawaii, Idaho,
Illinois, Indiana, Iowa, Kansas,
Kentucky, Louisiana, Maine, Maryland,
Massachusetts, Michigan, Minnesota,
Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire,
New Jersey, New Mexico, New York,
North Carolina, North Dakota, Ohio,
Oklahoma, Oregon, Pennsylvania,
Rhode Island, South Carolina, South
Dakota, Tennessee, Texas, Utah,
Vermont, Virginia, Washington, West
Virginia, Wisconsin, and Wyoming.
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Blue
Cross and Blue Shield of Georgia is an independent
licensee of the Blue Cross and Blue Shield Association
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Free Health Insurance Quote offered through
Affiliate Program at Alabama, Alaska, Arizona,
Arkansas, Connecticut, Delaware, District of Columbia
(Washington DC), Florida, Georgia,
Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas,
Kentucky, Louisiana, Maine, Maryland, Massachusetts,
Michigan, Minnesota, Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire, New Jersey, New
Mexico, New York, North Carolina, North Dakota,
Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island,
South Carolina, South Dakota, Tennessee, Texas,
Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin, and Wyoming. |
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