Health Care in Georgia
Saturday, August 23rd, 2008When purchasing health care insurance anywhere, it is important to understand the laws and regulations in your state. Georgia is no exception.
Health insurance in Georgia has some interesting aspects you should be aware of. For one thing, you have limited guaranteed access to buy health insurance. This means that if you have an individual policy, health care providers can count any condition as pre-existing if you have received medical advice, diagnosis, treatment or care in the 2 years before applying for coverage. However, if you are already covered and become ill you are guaranteed to be eligible to renew your policy.
In Georgia, companies can use your health status to determine the cost of your premium. This means if you have an illness or a history of illness, companies can legally charge you more than they would someone of better health.
There are three basic types of insurance you can buy in Georgia. Private health insurance, health insurance through association or health insurance through income eligible programs. If you are unsure of the definitions or specifications of any of these plans, go to your local government website and search for more information. No matter your area, it is likely that there are several agencies who can help you understand the health care system.