If you are looking for Georgia health insurance, you may wonder what
type of plans are available. There are individual health insurance
plans that can cover a person or a family on one plan. This type of
insurance is primarily used by people who work for a company that
doesn’t offer any type of insurance plan. An individual health
insurance plan can be costly, but it is better than no insurance at
all. One serious injury or illness can ruin your family finances if you
don’t have any type of insurance plan.
Many people work for a
company that offers some type of Georgia health insurance. Some offer
group insurance. Group insurance is a policy that covers a group of
people. It is cheaper for the employer to offer this type of insurance
to employees and because it is a group of people, there is no need for
physical exams or even health history questionnaires to be completed.
This type of insurance does not necessarily have to be purchased
through your employer. In fact, you may be a member of an organization,
chambers of commerce, church, or club that can offer you group
insurance.
Your Georgia health insurance may be a HMO,
which stands for health maintenance organization. HMOs are a type of
managed healthcare. You pay a fixed monthly fee then for a minimal
co-payment, you receive medical care and often are able to get
prescription drugs as well. The HMO lets you pick a primary care
physician (PCP) from a list of those that participate.
You
may have heard the term PPO when talking about Georgia health
insurance. PPOs are similar to HMOs, but with a PPO, you pay for the
treatment, and then are reimbursed by the PPO at a later date. You also
don’t have to pick a doctor from a list – you can chose to visit any
doctor you wish.