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Simply put, health insurance is protection against medical costs. A health insurance policy is a contract between an insurer and an individual or group, in which the insurer agrees to provide specified health insurance at an agreed-upon price (the premium). Depending on your policy, your premium may be payable either in a lump sum or in installments.
Health insurance usually provides either direct payment or reimbursement for expenses associated with illnesses and injuries. The cost and range of protection provided by your health insurance will depend on your insurance provider and the particular policy you purchase. If your employer does not offer a health insurance plan, you may wish to purchase health insurance on your own.
For a complete list of Health Insurance terms, click here.
For an instant online health insurance quote for you or your family, please fill out our online form.
To see a list of health insurance companies we represent, click here.
For a a listing of physician networks supported by the health insurance companies we represent, click here. Use these links to see if your doctors and hospitals are "in network" for any insurance company you are considering.
Are you considering COBRA coverage from your employer? To get the facts about COBRA, click here to get information from the U.S. Department of Labor, Employee Benefits Security Administration.
The Healthcare Blue Book is a free consumer guide to help you determine fair prices in your area for healthcare services. If you pay for your own healthcare, have a high deductible or need a service your insurance does not fully cover, we can help. The Blue Book will help you find fair prices for surgery, hospital stays, doctor visits, medical tests and much more.
A new reference service - Georgia Hospital Price Check (http://www.gahospitalpricecheck.com) enables you to find basic, hospital specific information about services and charges for most of Georgia's hospitals. The basic search lets you check charges and information for about 64 types of conditions, representing about half of all hospital stays in Georgia. The advanced search offers you the ability to obtain information about all types of hospital stays in Georgia, including those found in the basic search. Please contact your insurer to determine how much of the charge will be paid under your policy for the service selected.
If you have additional questions, please feel free to contact us. |
