Coventry Health Insurance of Georgia (GA) | Health Insurance Plans Georgia | Finding good health insurance plans Georgia style

Health Insurance Plans Georgia

Finding good health insurance plans Georgia style

Georgia has its own health insurance plans Georgia for employees of the state. The State Health Benefit Plan is one of the health insurance plans Georgia provides and offers to teachers, government workers, etc. These health insurance plans Georgia provides give coverage to state employees, school system employees, retirees and their dependents. The "State Health Benefit Plan" health insurance plans Georgia offers covers more than 600,000 members and dependents.

There are options that the health insurance plans Georgia offers to its members. These include a health reimbursement account, a high deductible health plan, a health maintenance organization, and a preferred provider organization plan. Also, one can choose from the health insurance plans Georgia offers to retirees who are enrolled in Medicare. They may enroll in a Medicare Advantage option that includes prescription drug coverage.

To define the health insurance plans Georgia offers, let us review their abbreviations. A health reimbursement account is referred to as an HRA. It sets aside tax-free dollars for health care needs. A health maintenance organization plan is referred to as an HMO. This kind of health insurance plans Georgia offers has benefits for in network physicians, but not out of network. A preferred provider organization plan is referred to as a PPO. It gives you access to both in network and out of network doctors, with different benefits levels.

Currently, those enrolled in the health insurance plans Georgia offers to its employees through the State Health Benefit Plan, can choose from United Healthcare or Cigna as their health insurance carrier. State employees and school system employees have an annual date of enrollment at which time they may switch between the health insurance plans Georgia offers, or add dependents, as needed. In the past, there haven't been as many options of health insurance plans Georgia offered to its government workers as this year.

The Georgia Department of Community Health has information and resources that people may find helpful when investigating the optional health insurance plans Georgia offers. Those interested will find rates and contact information about all the different health insurance plans Georgia offers, including specifics about how the reimbursement accounts work. There is also information for if you want to add on a spouse or dependent to your health insurance plans Georgia.

The high deductible plan option, which is one of the popular health insurance plans Georgia offers, may sound expensive, but it combines low monthly premiums, an extensive provider network, and unlimited coverage for wellness care. If you combine this with the health reimbursement account plan, you will have help contributing towards your deductible. These plans are complicated, so be sure to read the materials describing the different health insurance plans Georgia offers and how they work together for your maximum benefit.

Most health insurance plans Georgia offers are designed to be like open access plans, which means they have in-network and out-of-network levels of benefits. Most of the health insurance plans Georgia offers to its employees work to maximize your choices and keeping your premium costs down. They usually cover preventive care services also, which is a focus point of the health insurance plans Georgia offers.

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