Step 1.  Check with your employer.

This is a great first step, regardless of whether your employer offers a group health plan.  This is because employers are bombarded with group health insurance proposals and information.  Group health insurance is an employee benefit that is always under consideration.  Bring up the subject with your supervisor or boss.  There is a good chance that they can steer you in the right direction.

If you place of employment has a group health plan option, great!  Your health insurance search may be over.  However, be certain to learn everything you can about the employee health plan before signing up.  The fact that a health plan is available, does not mean it is an ideal plan for you and your family.

Also, there could be a waiting period before you are eligible to be covered under the group plan.  If this is the case, you may need to purchase a Short-Term insurance policy to cover the time you are not covered.  There are several national health insurance companies that offer short-term health plans in Georgia.  No matter what you do, don't make the mistake of going without health insurance coverage.  It's not worth the risk.


Step 2.  Visit Healthcare.gov.

Visit: Healthcare.gov to discover what health insurance plans are available in the BARNESVILLE, GA region.  You will find all sorts of valuable information that can help you to make a smart health insurance choice.  Take a moment to review the meaning of health insurance terms like: Deductible, Coinsurance, and Maximum-out-of-pocket.  Having a good grasp of the meaning of such terms will simplify your decision making process.


Step 3.  Determine how much you can afford to spend on health insurance and other medical expenses.

Health insurance is an absolute essential.  However purchasing the "Cadillac" plan does not always make good financial sense.  Know how much of your budget you can reasonably put toward health insurance and health care related costs - without breaking your budget.  To calculate these amounts, your medical spending history is key.  The best place to start in determining how much to budget for these costs is to look at how much you have actually spent on healthcare in the past.  Determine costs by reviewing your receipts from your insurance company and healthcare providers over the previous year. Your bank and credit card statements should be a help in this regard.)  The final number you come up with is a good start for determining annual health insurance and health care costs.


Step 4.  Speak with a health insurance broker.

The expertise of an experienced insurance broker can be crucial when it comes to choosing the best health-care plan for you and your family.  A health insurance broker can assist you with every element of the process.  They can help you weigh the pros and cons of various plan deductibles.  They can concisely explain health plan co-insurances.  They can assist you in determining whether you qualify for a subsidy under the Affordable Care Act.

Best of all, a health insurance broker's assistance is usually provided at no cost.

Choosing a health insurance plan is not something to take "lightly".

When looking for a quality Georgia health insurance plan, there are multiple issues to consider.  Also, there are plenty of important health plan particulars that are easy to overlook.  Many Americans end up not liking their health insurance plan once they actually have to utilize it.  More often than not, this dissatisfaction is caused by the customer selecting a plan without fully comprehending its benefits.  To avoid being trapped in a health plan that does not adequately serve your needs, it is critical to fully understand how the plan works - before you purchase it.



Finding affordable health insurance is no easy task.

Obtaining a quality, affordable, health insurance plan is difficult for a variety of reasons.  At the root of the problem is the recent complete overhaul of the US health insurance industry.  The Affordable Care Act has brought about some welcome and needed health insurance improvements.  However, misinformation, and political tussle has caused the insurance marketplace to become a very confusing place.  Most do not understand how the ACA health insurance plans work.  Fewer still, understand how to purchase one.

Complicating things even further is the fact that the percentage of Americans accessing ACA coverage has increased.  A significant percentage of Americans who were previously covered by Medicaid are now eligible for ACA health insurance coverage.  Also, a higher percentage of Americans are eligible for ACA subsidies, making the plans more attractive to more consumers than previously.  Many of the ACA marketplace platforms are being strained by the increased volume of consumers looking for health plan options and assistance.  Navigating through all of these challenges in order to land the ideal health insurance plan can be naturally difficult..

In addition, most consumers do not have a knowledgeable health insurance broker who can help them sort through all the new health plan information that is out there.  In Georgia, finding an agent that will take the time to help can be quite a challenge.  Without this expert help, uncertainty and confusion is bound to be the result.


ACA is more affordable.

In Georgia, Affordable Care Act (ACA) health insurance plan options are more affordable than they were in previous years.  This is because the subsidies provided by the federal government are larger.  In addition, more Americans now qualify for a subsidy.



We are happy to assist.

We understand how choosing the right plan for the needs of you and your family can be confusing.  Plan benefits, physician networks, deductibles, Rx coverage, price, and more, are all aspects of a health insurance plan that should be well considered.

Our licensed insurance professionals are happy to help you sort through all of the particulars in order to find a high-quality health insurance plan that fits your needs and budget.  Our services are free.  Call now.    770-872-2018