Coventry Health Insurance of Georgia (GA) | Family Health Insurance Georgia | Purchasing Family Health Insurance Georgia Plans

Family Health Insurance Georgia

Purchasing Family Health Insurance Georgia Plans

You will need to provide information regarding the current health condition of all of your family members that will be included in your family health insurance Georgia policy. You will give this information to either an insurance broker, or a customer service representative for a family health insurance Georgia carrier. This will have an effect on your monthly premium, of course. If you and your family members are all healthy, your family health insurance Georgia policy premium will be lower than if you have a current health problem.

If you do have pre-existing medical conditions, or one of your family members does, you will want to check on the waiting period of your family health insurance Georgia policy. Many times this waiting period is 18 months. This means that you will not receive benefits for medical care related to this pre-existing condition for the first eighteen months. This may cost you a lot financially. However, it is possible that if you have had continuous coverage, you family health insurance Georgia plan will not limit or impose a waiting period at all. Be sure to check on the specifics of your family health insurance Georgia plan for additional information.

A pre-existing medical condition may be something like diabetes or asthma. It also includes pregnancy. In the future, because of the health reform acts, there will be limits on what the health insurance carrier can exclude or limit. But for now, any kind of pre-existing medical condition can be limited or excluded from an individual family health insurance Georgia plan. Of course, if you are a member of a group health plan, there are different circumstances. So you cannot be sure that your pre-existing medical condition will affect your premium, if it is a group health plan. That is not usually allowed.

If you are purchasing an individual family health insurance Georgia policy, however, from the private market, then your premium will be affected. Actually, it is possible to be denied coverage for a family health insurance Georgia plan because of a chronic health problem or medical condition. Private family health insurance Georgia plans are not subject to the same regulations as group family health insurance Georgia plans. A person cannot be denied coverage from a group health plan, because of a health condition or the medical problems of a family member. But this is permitted for individual private market family health insurance Georgia policies.

Therefore, if you or a family member have a serious chronic illness, or a pre-existing medical condition that prevents you from being approved for family health insurance Georgia coverage, then you may want to consider trying to become a part of an organization that offers group family health insurance Georgia coverage. This could be through your place of employment, or through other types of organizations, such as a fraternity, for example. In this way, the health insurance carrier cannot deny you enrollment if you are a qualified member of the group.

Remember, however, that sometimes having continuous coverage of a pre-existing medical condition means that there are no limits or exclusions. Check with your insurance broker, or customer service representative, to see how your particular situation will affect your approval, your premiums, and your exclusions in your family health insurance Georgia plan.


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