Georgia Affordable Care Act Health Insurance Plans
Affordable Medicare Solutions is a trusted Medicare and health insurance agency in Georgia. We’ve been helping individuals and families find the ideal health insurance plan at the best price for over 30 years. We understand the importance of health coverage for your peace of mind, and consistently strive to exceed your expectations. Speak with us at our Suwanee office or over the phone for a free, personalized health insurance quote.
An Overview of Health Insurance in Georgia
Health insurance protects you and your loved ones against exorbitant medical costs, ensuring access to medical services without a heavy financial burden. With the right health insurance plan you can prioritize your health and well-being, receiving medical care for routine check-ups, preventive services and treatment for illnesses or injuries.
The Affordable Care Act (ACA) has made it easier for Georgia residents to obtain comprehensive and affordable medical coverage. The following factors protect individuals when purchasing ACA health insurance.
- Coverage for Pre-Existing Conditions – Individuals with existing health conditions must have access to coverage without being charged higher premiums.
- Essential Health Benefits – All ACA-compliant plans must cover services like prescription drug coverage and inpatient and outpatient hospital care.
- No Lifetime Coverage Limits – Insurance companies are prohibited from capping annual and lifetime coverage benefits for most health services.
While ACA-approved health insurance plans are accessible, their suitability and affordability can vary significantly. This is based on factors such as premiums, deductibles, copayments and network restrictions. At AMS, our team simplifies the process by identifying health insurance plans tailored to provide the coverage you need.
Individual Health Insurance
When you don’t have employer-sponsored health insurance, it’s important to consider obtaining individual health insurance in Georgia. Comprehensive health insurance plans give you access to important medical benefits and offer protection against costly medical bills.
At AMS, we help you assess health insurance from top providers like Anthem Blue Cross Blue Shield, Aetna, Kaiser Permanente, Ambetter and CareSource. Along with the essential health benefits required under the ACA, individual health insurance plans may also provide dental insurance and vision insurance coverage, fertility treatments, wellness programs and more. We’ll ensure you get the perfect balance of coverage benefits and affordable premiums.
Family Health Insurance
Comprehensive family health insurance coverage gives a spouse, children and other dependents access to necessary healthcare under one plan with one monthly premium. Every family member included in the plan receives the same level of care under the provided annual healthcare policy.
From access to an extensive network of doctors, specialists and healthcare facilities to the added benefits of vision coverage, dental insurance and other services, the team at AMS will find the right family coverage for you. We’ll help you understand the various options – including HMO, PPO, EPO or HDHP coverage – and recommend the best plan to cover your family’s health needs.
How We Help Georgia Clients Obtain Health Insurance
Our no-cost health insurance services give you comprehensive support throughout the process. Here is just some of what you can expect.
- Understand Health Needs – We assess your health status and consider healthcare priorities.
- Review Health Insurance Plans – We offer detailed advice on available coverage, including HMOs, PPOs and other plans.
- Compare Costs – Scrutinize deductibles, copayments and out-of-pocket maximums, balancing costs with your healthcare requirements.
- Plan Enrollment – Our team can advise you on the enrollment process and all necessary paperwork.
- Ongoing Reviews – We’ll continue to support you with health insurance reviews to ensure you still have the ideal coverage.
As a multi-award-winning Medicare agency, we are recognized for our commitment to customer support. We’ll help you explore your health insurance options at our office or over the phone.
Common Questions About Health Insurance
When can I enroll in a health insurance plan?
You typically enroll in a health insurance plan during the Open Enrollment Period, which is from November 1 to January 15 each year. Certain supplemental plans are available anytime.
Can I get coverage if I have a pre-existing condition?
If you have a pre-existing condition you can get coverage without paying additional costs. Under the Affordable Care Act (ACA), insurance providers cannot deny you coverage for a pre-existing condition.
What is the difference between an HMO and a PPO plan?
The primary difference between an HMO and PPO plan is that HMO plans usually have lower monthly premiums, but you are required to choose a primary care physician and the plan covers in-network care only. In contrast, PPO plans have greater flexibility with higher monthly premiums.
Get a Free Quote From Our Georgia Health Insurance Specialists
Explore the available healthcare plans in Georgia with the help of Affordable Medicare Solutions. We will guide you through the range of healthcare coverage options and ensure you get the benefits you need. Call (770) 945-5261 or request a free health insurance quote today.
