Coventry Health Insurance of Georgia (GA) | State Health Insurance Georgia | SHBP offers Different state health insurance Georgia Plan Options to Employees

State Health Insurance Georgia

SHBP offers Different state health insurance Georgia Plan Options to Employees

Georgia offers state health insurance Georgia plans to its employees, school system employees, retirees, and their dependents. They designate their state health insurance Georgia play as the State Health Benefit Plan (SHBP). Other states have similar plans to the state health insurance Georgia government offers. The administrator's for Georgia's state health insurance Georgia Department of Community Health's Public Employee Health Benefits Division. Over 650,000 Georgia residents are covered by the state health insurance Georgia plan.

School system employees, and all other members, can choose between state health insurance Georgia plans offered by two large national insurance carriers, Cigna and United Healthcare. This offers a lot of freedom of choice to Georgia employees. Each of these two companies offers several different types of state health insurance Georgia plans. Some of the plans are similar, as they both offer High Deductible Plans, and HMO plans.

High Deductible Plans can be a good kind of state health insurance Georgia plans because the premiums tend to be low due to the high deductibles. Often, High Deductible Plans, when part of the state health insurance Georgia plans offered by Cigna and United Healthcare, work in coordination with Health Reimbursement Accounts (HRA). These HRAs are accounts set up by the insurance administrator as a savings account for members. Members can use the money in an HRA to pay off deductibles, or for preventive care provided by an in network doctor. Be sure to check the specifics of your particular plan for additional information. Some of the state health insurance Georgia plans offer rewards for increasing your healthy behaviors, and the rewards include additional monies being deposited into the HRAs account. There are also tax implications of using the HRAs, so consult with a tax advisor.

The SHBP also offers Health Maintenance Organization (HMO) products as part of the state health insurance Georgia options. Cigna's HMO plan is called Open Access Plus, and UHC's plan is called Choice. Both HMO plans use a network of physicians and require a designated Primary Care Physician. The next level of state health insurance Georgia plans that are offered by both Cigna and United Healthcare are open access, Preferred Provider Organization (PPO) plans. Cigna's plan is called Open Access Plus (OAP), and United Healthcare's plan is called Choice Plus.

All of the state health insurance Georgia plan products that are offered by SHBP have definite enrollment periods, and times when one can enroll dependents, or change family situations. Each policy comes with instructions, and access to wellness programs and other resources. Both Cigna and United Healthcare have 24-hour information lines where members can reach nurses or other health providers when they have questions. Both state health insurance Georgia companies that offer SHBP plans offer help with claims, and online tools to help members with their health care needs.

There is information regarding pre-existing conditions, how to file claims, eligibility, enrollment, included and excluded services, and annual limits in your certificate of coverage. You can also check the web site for the Georgia Department of Community Health, for additional information on all of the state health insurance Georgia plans offered.

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