Coventry Health Insurance of Georgia (GA) | Health Insurance Georgia | Don't Keep Waiting to Get your Health Insurance Georgia Policy

Health Insurance Georgia

Don't Keep Waiting to Get your Health Insurance Georgia Policy

Many people are thinking of waiting to see how the government health care reform bill is going to affect them before they purchase their own individual health insurance Georgia policy. But you need to be very careful about putting off having health insurance Georgia benefits.

There are financial risks to not having health insurance Georgia benefits. One study has shown that approximately half of all personal bankruptcies are related to medical bills that got out of hand. Having a health insurance Georgia policy can help prevent huge medical bills, although of course nothing is a guarantee. If you have an unexpected illness or injury, a good health insurance Georgia policy can help protect you from overwhelming medical bills, even if you may still end up with big medical bills due to the nature of the illness or injury.

Many people think health insurance Georgia plans are too expensive for individuals, but it is possible to get health insurance for less than $150/month for an individual health insurance Georgia policy, and less than $350/month for family health insurance Georgia plans, depending on your particular policy. These numbers may surprise a lot of people. Many people assume it would cost a lot more than this to provide health insurance Georgia benefits for themselves and their families. That is why it is important to do the research and look into the many different health insurance Georgia policies available to Georgia residents, and really get an accurate view of the expenses involved, and the many benefits to be gained, including peace of mind and a better chance at financial protection from medical bills.

Do you still need a health insurance Georgia policy if you are young or healthy?

Some people think that because they are young or healthy, they do not need a health insurance Georgia policy. However, that is exactly why it is important to purchase a health insurance Georgia policy now. This will help you prevent becoming uninsured in the future. If you are healthy now, you will qualify for an individual health insurance Georgia policy at a relatively low cost. Let's say you do develop an illness in the future, and also then switch jobs or move and need different coverage. As long as you maintain your health insurance Georgia coverage continuously, if you have to switch health insurance carriers, you cannot be denied or excluded for having a pre-existing condition. A law that was put into effect in the last decade makes it illegal for health insurance carriers to exclude pre-existing conditions if the member has had continuous coverage. Therefore, it is to your advantage to purchase your health insurance Georgia policy now, while you are healthy, and keep it so that if at a later time, your health deteriorates, you will already have reasonable cost coverage. Otherwise, you could end up being uninsured.

Although being young does usually mean being healthy also, there are studies that show that young people between the ages of 19 and 29 are the most likely to visit a hospital emergency room, compared to other age groups. This means that even if you are healthy, you still have a high risk of being stuck with large hospital bills, as emergency visits can be pretty expensive.

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