Health Insurance Georgia
Keeping your Health Insurance Georgia Coverage After Your Job is Lost
If you lose your job and your health insurance Georgia coverage, you are probably panicking about what to do. Do not be afraid yet. You may qualify for COBRA coverage. COBRA is a federal law that requires employers to let you continue paying for your health insurance for a specified time after your employment has been terminated. Certain conditions must be met for you to qualify for COBRA. COBRA only plays for businesses that have more than 20 employees. The rules for qualifying for COBRA dictate the deadline for application, and how long your coverage will last, and how much your premiums will be. However, this may help keep your health insurance Georgia coverage without interruption.
If your company did not have 20 employees, another option regarding your health insurance Georgia policy in Georgia is Continuation. This is Georgia's own idea. It applies to businesses with less than 20 employees, and it continues your health insurance Georgia policy coverage for another three months, in addition to the remainder of the month when your employment was terminated. This is something worth pursuing in order to maintain your health insurance Georgia benefits up to date and active while you are unemployed and looking for another source of income.
For specific information about COBRA and your health insurance Georgia policy, you can contact the U.S. Department of Labor. This past year, the President's Stimulus Plan also reduced the cost of keeping up your health insurance Georgia policy through COBRA if you are unemployed. So, there is some government assistance available to you during this difficult transition time, especially when it comes to having health insurance Georgia coverage for your family members. The Stimulus Plan is formally called the American Recovery and Reinvestment Act.
Other Laws Affecting Health Insurance Georgia Policies
There are other laws that have an effect on your health insurance Georgia policies. The Health Insurance Portability and Accountability Act (HIPAA) was passed in 1996. It works to protect the privacy of members when it comes to health insurance Georgia policies, and also limits who health insurance Georgia companies can exclude from coverage. This is particularly important when it comes to pre-existing conditions. In the past, a health insurance Georgia policy would exclude anything that was already in place, even if you had been receiving treatment under a health insurance Georgia policy before. For example, if you were pregnant and switched jobs, and therefore had to switch health insurance Georgia policies, your new policy would not have covered your pregnancy expenses. This is no longer legal, as long as you had continuous health insurance Georgia coverage.
In Georgia, there are specific health insurance Georgia plans for state employees, under the State Merit plan. These particular health insurance Georgia plans can be PPO or HMO, Preferred Provider Organization or Health Maintenance Organization. Often, school teachers are enrolled in these State Merit health insurance Georgia plans. There is still a choice regarding deductibles, benefits, co-payments, and premiums. But these health insurance Georgia plans are affordable to the government, and provide excellent health insurance Georgia benefits to state government personnel. It also works at the county level. Contact the Board of Regents for more information on these State Merit health insurance Georgia plans.
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