Health Insurance Carriers in Georgia (GA)
Health insurance regulations differ from state to state, and the carriers that offer health care coverage in Georgia have different plans and options. We hope you will find this resource informative and useful. First, review the list of carriers we recommend in Georgia and click the links to learn more about them. Second, review basic information about Georgia Health Insurance at the bottom of this page.
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Health Insurance Providers in Georgia
Aetna
American Medical Security
Assurant Health (Formerly Fortis)
Bankers Life
Blue Cross and Blue Shield of Georgia
Celtic
Clarendon National
Fairmont Specialty Group / TIG
Golden Rule
Guardian
Humana
Kaiser Permanente of Georgia
Principal Life
Security Life
Individual Health Insurance in Georgia (including Self-Employed)
- Insurers are not required to accept applicants with medical problems.
- When there is a pre-existing condition, the provider can attach an elimination rider to the policy.
- An exclusion period for the condition may be imposed.
- There are no time limits for exclusion periods, no definition of a pre-existing condition, and no creditable coverage.
- Most providers limit exclusion periods to 24 months.
- There are no limits on the cost of a policy or on increases at renewal time.
- Coverage cannot be cancelled due to sickness.
- If leaving a fully insured group health plan, an applicant may be eligible for a conversion policy.
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Self-Employed Health Insurance in Georgia
- The self-employed may not purchase group health insurance.
- For regulations which govern business or professional associations that offer group health coverage, contact the Georgia Office of Insurance and Safety Fire Commissioner.
Group Health Insurance in Georgia
- Applicants cannot be refused or charged more for group coverage based on a medical problem, provided they qualify.
- If the policy holder gets sick, coverage cannot be cancelled.
- Certain life changes relating to children, marriage, family problems, or job loss may provide opportunities for coverage.
- Newborn, adopted, and disabled dependents have additional coverage opportunities.
- Providers may review medical history for the six months prior to group coverage.
- In the case of a pre-existing condition, the provider can require an exclusion period of up to 12 months.
- If coverage was maintained with no lapses longer than 63 days, an applicant may be given creditable coverage for a pre-existing condition.
Small Business Health Insurance in Georgia
- Small businesses with up to 50 employees may not be refused group coverage.
- For small groups, there are limits on the cost of a premium.
- Coverage cannot be cancelled because of sickness within the employee group.
Georgia Health Care Programs
To get the most up-to-date and accurate information, please check with the Georgia Department below:
Office of the Insurance and Safety Fire Commissioner
2 Martin L. King, Jr. Drive
Atlanta, GA 30334
(404) 656-2056
www.inscomm.state.ga.us
Medicaid, Peachcare for Kids, and Georgia Cancer Screening Program are available for low income individuals and families in Georgia.
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