Coventry Health Insurance of Georgia (GA) | Health Insurance Georgia | Changes to Health Insurance Georgia Policies After 2014

Health Insurance Georgia

Changes to Health Insurance Georgia Policies After 2014

The health care reform acts will effect some changes on health insurance Georgia policies. Some of the changes will take effect right away, while others will not start until 2012 or later. One of the changes that will become effective January 1, 2014, is the requirement of health benefit standards for policies. Right now, health insurance Georgia plans have certain rules and regulations enforced on them, but in 2014, they will have to meet even stricter criteria.

Some of the changes that are required of future health insurance Georgia plans involve emergency medical treatment, while other changes emphasis preventive care. This is an interesting dichotomy because these are the two extremes of medical care. It is interesting to note that some people see health insurance Georgia plans as a means of providing medical care in case of an emergency. Another group of people see health insurance Georgia plans as a way of receiving preventive care in order to avoid needing medical care for an illness or injury. Both of these perspectives are correct and both are equally important.

The other language in the health benefit standards requirement is about limits on out of pocket limits. Usually health insurance Georgia plans will have a ceiling for what members have to pay out of pocket. Those ceilings will be limited, effective January 1, 2014. For families with incomes up to 400% of the federal poverty level, the ceilings will be set lower. For everyone else, the limits will be equal to the limits under health savings accounts (HSAs). These are new rules and regulations imposed on our health insurance Georgia plans.

Health insurance Georgia policies that are effective after January 1, 2014, will be required to include the following essential health benefits.

  • Ambulatory patient services
  • Emergency room services, including hospital stays
  • Maternity benefits for pregnant women, and newborn care for babies
  • Mental health and substance abuse services
  • Prescription drugs benefits
  • Rehabilitative and habilitative services and devices, including for home use
  • Laboratory services
  • Preventive and wellness services
  • Chronic disease management
  • Pediatric services

As you can see from the list above, this is a pretty comprehensive list of medical services that will need to be included in all health insurance Georgia plans starting in 2014. This will lead to better medical care for all enrolled members of any health insurance Georgia policy. The burden of all of these reform changes fall on the health insurance Georgia carriers and companies.

It is possible that all of these changes will lead to significant price increases, but the health care reform acts are addressing that also. Limits will be imposed on premiums set by health insurance carriers. For right now, though, health insurance Georgia plans are still affordable and fair, and include most of these services already anyway. In fact, now is a really good time to go ahead and enroll in an individual or group health insurance Georgia plan. No one knows what changes the health care reform acts will cause in premiums and costs. But right now, pricing is competitive and health insurance Georgia policies are affordable and convenient to purchase.

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