Health Insurance Companies in Georgia: Top 23 Companies Compared

Georgia residents have a wide range of health insurance companies to choose from, with over 23 options available in the state.

Blue Cross and Blue Shield of Georgia offers a variety of plans to individuals and families, including a bronze plan that covers 60% of medical costs.

Ambetter from Peach State Health Plan has a range of plans available, including a silver plan that covers 70% of medical costs.

UnitedHealthcare offers a variety of plans in Georgia, including a gold plan that covers 80% of medical costs.

Humana offers a range of plans in Georgia, including a catastrophic plan for individuals under 30 or those who qualify for a hardship exemption.

Aetna offers health insurance plans to individuals and families in Georgia, including a gold plan that covers 80% of medical costs.

For more insights, see: How to Become an Insurance Broker in Georgia

Here's the section on Health Insurance Companies in Georgia:

Georgia residents have several options for health insurance, with 49% of the state's residents having coverage through their employers.

A unique perspective: Commercial Auto Insurance Quotes Georgia

Aetna, Ambetter, Anthem Blue Cross Blue Shield, Cigna, Kaiser Permanente, Humana, Oscar Health Insurance Plan, and United HealthCare are some of the carriers offering PPO plans in Georgia.

Here are some of the top health insurance providers in Georgia, according to various sources:

OptiMedHealth Plans offers fast and efficient health benefits solutions, providing quick quotes, processing, and service for individuals, families, and employers. With their technology, brokers and employers can easily manage their coverage and access expert service if needed.

OptiMedHealth is headquartered in Atlanta, Georgia, and was founded in 1968. They have a headcount of 51-200 employees. You can find more information about OptiMedHealth on their website, optimedhealth.com, and on LinkedIn.

OptiMedHealth simplifies healthcare coverage to give peace of mind to their customers, making it easier to access quality care.

You might like: Can Health Insurance Companies Deny Coverage

Access to quality care is a top priority for health insurance companies in Georgia. Anthem plans support your healthcare with a range of choices of doctors, care centers, and hospitals.

Curious to learn more? Check out: Managed Care Contracts and Insurance Companies

You also have the flexibility of choosing a video visit with a doctor or therapist on your smartphone, tablet, or computer. This is a convenient option for those who may not have time to visit a physical location.

Attention: If you speak any language other than English, language assistance services, free of charge, are available to you. Call our Customer Service number, (TTY: 711).

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame a nuestro número de Servicio de Atención al Cliente (TTY: 711).

注意：如 果您使用非英語的其他語言，您可以免費獲得語言援助服務。請致電聯絡客戶服務部（聽語障用戶請致電：711）。

Preventive care is also covered at no cost to you when you see a doctor in your plan's network. This includes checkups, screenings, and vaccines.

Some commonly-used prescription drugs are available at no cost to you. Contact us for more information.

Here are some of the best health insurance providers in Georgia that offer quality care access:

Your insurance also covers prenatal checkups, care during delivery, and checkups and care for your baby. Additionally, your insurance coverage includes services you may need for birth control and breastfeeding.

Cigna Premium offers a range of plans to suit different needs and budgets. The Cigna PPO Low Plan has a premium of $510.00 for a single person, while the Cigna PPO High Plan costs $958.00.

The Cigna PPO Flex Plan has a premium of $854.50 for a single person, which is higher than the Cigna PPO Low Plan. However, it offers more comprehensive coverage, including a lower deductible of $6,000 for a single person.

Here's a comparison of the premiums for Cigna's PPO plans:

Cigna's premiums vary depending on the plan and the number of people covered. It's essential to review the details of each plan to determine which one best suits your needs and budget.

Suggestion: Tufts Health Plan

In Georgia, you can choose from health insurance plans from major brands with 5 levels of benefits, including Bronze, Silver, Gold, Platinum, and Catastrophic.

Each plan has a unique level of coverage, with Bronze covering 60% of your medical costs on average, and Platinum covering 90%. Silver plans, in particular, offer average monthly payments and a lower deductible than Bronze plans, making them ideal for individuals and smaller families with average healthcare needs.

Here's a breakdown of the different plan levels:

Bronze plans are a great option for those who want to keep premiums low or don't plan on seeing a doctor often. These plans feature low monthly payments with a higher deductible.

Bronze plans are best for individuals or couples who have few doctor visits and only need or want coverage for medical emergencies. They're ideal for people who are young and healthy, or those who don't have a lot of medical expenses.

Here are the key features of Bronze plans at a glance:

Bronze plans are available through major health insurance brands, and you can choose from a range of providers. These plans are designed to be affordable, while still providing some basic health coverage.

Pregnancy and Newborn Care is a vital aspect of insurance coverage.

Your insurance covers prenatal checkups, which are essential for monitoring your baby's health and development during pregnancy.

Prenatal checkups typically start in the first trimester and continue until delivery.

Care during delivery is also covered, including any medical interventions that may be necessary.

Insurance coverage includes checkups and care for your baby after birth, which is crucial for their health and development.

Additionally, your insurance coverage includes services you may need for birth control and breastfeeding.

You might like: Commercial Property Insurance Coverage Questions

The cost of health insurance in Georgia can vary depending on several factors, including your income, household size, and location.

The Affordable Care Act (ACA) helps ensure that all Americans have access to affordable health insurance, offering financial help based on your income to reduce healthcare costs.

The average cost for a Bronze plan in Georgia is $354, while a Silver plan costs around $460, and a Gold plan costs $538.

You can expect to pay around $585 per person on an individual plan, which is lower than the national average.

Some health insurance plans in Georgia offer vision and adult dental insurance coverage, as well as perks programs to help save on healthy living.

Here are some average costs for health insurance plans in Georgia:

Keep in mind that the best cheap health insurance in Georgia may not offer expanded coverage, so it's essential to consider your needs when choosing a plan.

Anthem health plans are designed to meet different healthcare needs and budgets, offering a range of choices to make managing your benefits easier than ever.

You can choose from five levels of benefits: Bronze, Silver, Gold, Platinum, and Catastrophic. Bronze plans are a good fit for people who want to keep premiums low or don't plan on seeing a doctor often, while Platinum plans cover 90% of your medical costs on average.

The flexibility of PPO plans is what makes them unique – you can visit any doctor you choose, which is especially important for those who travel often.

Here are the key features of each plan level:

Your plan covers preventive care at no cost to you when you see a doctor in your plan's network, including checkups, screenings, and vaccines. Some commonly-used prescription drugs are also available at no cost to you.

Discover more: Cost for Companies to Offer Health Insurance

Becoming an Anthem member comes with numerous benefits. Anthem offers a range of choices to suit different healthcare needs and budgets, making it easier to manage your benefits.

You can choose from various plan levels and features, including Bronze, Silver, and Gold plans. Bronze plans are ideal for those who want to keep premiums low or don't plan on seeing a doctor often, while Silver plans are suitable for families and those who see doctors regularly. Gold plans, on the other hand, are best for individuals or families with regular, ongoing healthcare needs.

One of the unique features of Anthem plans is the flexibility to visit any doctor you choose, especially important for those who travel often. Additionally, you can take advantage of $0 preventive care, which includes checkups, screenings, and vaccines, as well as $0 virtual care visits using the Sydney Health app.

Anthem also offers a range of services, including pediatric services, ambulatory patient services, and rehabilitative and habilitative services and devices. You can also access quality care with a range of choices of doctors, care centers, and hospitals.

Here's a breakdown of the different plan levels and their features:

Remember, it's essential to understand your plan's coverage and what's included, such as preventive care, virtual care visits, and other services.

Your Anthem health plan includes coverage for most generic and many brand-name prescription drugs. This means you'll have access to a wide range of medications to help manage your health.

Some commonly-prescribed drugs are available starting as low as $0. This is a great benefit, especially if you have ongoing medical needs.

You'll pay a certain amount for medications, depending on the coverage tier or class of drug. This helps ensure that you're getting the care you need without breaking the bank.

If you have a question about your plan, you can call Cigna Healthcare anytime for help. Their 24/7/365 customer service team is always available to answer your questions.

You can reach out to them for assistance with using your plan or navigating your benefits. Plus, if you have a health question, you can speak to a licensed clinician 24 hours a day.

Explore further: Tufts Health Plan Ppo

When you're hospitalized, your insurance has got you covered. Your insurance will cover overnight hospital stays.

You'll also be covered for surgeries while you're admitted to the hospital.

Your insurance will cover the cost of lab specimens like blood draws. This means you won't have to worry about the financial burden of getting the medical tests you need.

Our plan covers the cost of lab specimens, which can be a significant expense. You can focus on your health and well-being without worrying about the bill.

Curious to learn more? Check out: Business Health Insurance Cost

Health insurance plans in Georgia vary in terms of copays, deductibles, and premiums. Some plans offer lower copays for primary care doctors, such as the Ambetter Balanced Care 12, which offers $10 copays.

For Anthem PPO plans, the copay for primary care doctors is $30, while specialist copays are $60. The deductible for Anthem PPO Low Plan is $8,000, compared to $6,000 for the Anthem PPO Flex Plan.

Here's a breakdown of the Anthem PPO plans:

These plans also offer varying levels of prescription coverage, with some plans offering $15 copays for generics and $65 copays for brand-name medications.

Our health insurance plans offer a Smart Rewards program that lets you earn rewards for completing health and wellness activities.

You can earn rewards for yourself and your covered spouse or partner, making it a great way to encourage healthy habits together.

The rewards can be redeemed for a digital gift card from a selection of retailers, giving you a chance to treat yourself or your loved ones to something special.

If you're looking for a health insurance provider that offers specialist access, Kaiser Permanente is a top choice. Kaiser has healthcare centers spread throughout Georgia, making it easy to find a specialist who fits your needs.

You can visit an urgent care center, general practitioner, hospital, or even a facility that hosts a yoga class or community program meant to promote healthy living. Kaiser's unique services make it stand out from other health insurance providers.

Some of the benefits of choosing Kaiser include the ability to make appointments online or using an app, making it convenient to schedule a specialist visit. Good customer service is also a plus, ensuring that you get the help you need.

Here are some of the unique services you can expect from Kaiser:

Consider Kaiser if you live in Atlanta or Athens, and be sure to check rates for additional services offered to policyholders.

Pediatric Services are a crucial part of any health insurance plan, especially for families with young children. Insurance plans cover eye exams and dental treatments for kids, which are essential for their oral and vision care.

These services are not typically covered for adults, so it's great that they're included for children. As a parent, it's reassuring to know that regular check-ups and treatments are taken care of by your insurance.

In Georgia, the Department of Insurance requires insurance carriers to provide additional services for kids, including:

It's worth noting that these services may vary depending on the state's requirements, so it's essential to review your insurance plan to understand what's covered.

Cigna Flex is a great option for those looking for a flexible health insurance plan. It offers a range of benefits, including a $30 office co-pay and $60 specialist co-pay.

You'll also have access to generic, brand, and high brand prescription medications, with copays of $15, $65, and $100 respectively.

The Cigna PPO Flex Plan has a deductible of $6,000 for singles and $12,000 for families. You'll also have a maximum out-of-pocket expense of $9,450 for singles and $18,900 for families.

Here's a breakdown of the in-network benefits for the Cigna PPO Flex Plan:

Health insurance types in Georgia offer a range of benefits, with five levels to choose from. These levels include Bronze, Silver, Gold, Platinum, and Catastrophic plans.

Bronze plans cover 60% of your medical costs on average, leaving you to pay 40%. Silver plans cover 70% of your medical costs, while you pay 30%. Gold plans cover 80% of your medical costs, and you pay 20%. Platinum plans cover 90% of your medical costs, and you pay 10%.

Here's a breakdown of the five levels of health insurance plans available in Georgia:

Traditional health insurance plans are also known as fee-for-service plans, similar to how you pay for auto insurance upfront as a deductible.

These plans require you to pay a certain amount of your medical care services upfront before the insurance company pays the majority of the bill.

Think of it like this: you pay for a certain amount of services, and then the insurance company kicks in to cover the rest.

You might enjoy: How Much Do Companies Pay for Health Insurance

An Exclusive Provider Organization (EPO) is a type of managed care plan that's worth understanding.

In an EPO, you're only covered for services when you use doctors, specialists, or hospitals within the plan's network, except in emergency situations.

If you need to see a specialist, you'll need to go through the plan's network, even if it's not your regular doctor.

This means you'll have to choose a primary care physician within the network who can refer you to specialists within the network as well.

In emergency situations, however, you can go to any hospital, not just those in the network.

This is because emergencies can't be planned ahead of time, and you need access to care right away, regardless of the provider.

Discover more: Group Health Insurance Provider New York

A Preferred Provider Organization (PPO) is a type of health insurance plan that offers flexibility in choosing healthcare providers. With a PPO, you can see any doctor, but you'll pay less out-of-pocket if you stick to the network.

Seeing an in-network doctor can save you money, with a $10 co-pay for example. This is a significant advantage, especially if you have ongoing medical needs.

The PPO plans also allow you to visit a specialist without a physician referral if the specialist is within the network. This can be a huge convenience, especially if you need to see a specialist regularly.

Here's a breakdown of the Anthem PPO plans' copays and deductibles:

It's worth noting that the out-of-network costs can be higher, with some plans requiring you to pay the entire bill upfront and then getting reimbursed 80% by the insurance carrier. This can be a significant financial burden, so it's essential to consider the network when choosing a PPO plan.

HMOs offer health care services through a network of physicians and facilities.

You'll have to choose a primary care doctor who can refer you to a specialist when you need it.

HMO plans typically require the least amount of paperwork to complete.

With an HMO, you'll have the least amount of freedom to see the doctor you want.