Georgia Group Health Insurance
One of the benefits offered to employees in Georgia is a group health insurance plan. When you are considering joining a new company, you will want to find out whether your prospective employer offers healthcare coverage.
For many people in GA, having group health insurance may mean the difference between accepting a position that has been offered or turning it down.
Are You Eligible For Group
Health Insurance In Georgia?
Your employer may only offer group health coverage to some employees, but not everyone on the payroll.
Another example of where all employees may not be eligible for coverage under a group plan is where the insurance plan offered is an HMO and the employee does not live in the network area.
Discrimination And Georgia Group
Health Insurance Coverage
By law, an employer cannot refuse to allow you to enroll in the health insurance plan because of your health. The company is discriminating against you if you are unable to enroll in the program because of one of the following:
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Disability
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Genetic information
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Your health history
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Your current state of health
Waiting Period And Group Health
Insurance Coverage In Georgia
If you must be employed for a certain amount of time before your insurance coverage begins, this is known as a waiting period. An employer is required to have all employees observe the same waiting period. An employee's health status cannot be a factor in how long the waiting period is before benefits begin.
If the group medical plan is through an HMO, then the HMO can also require the employees to wait a certain amount of time before coverage begins. This waiting period is called an affiliation period, and it cannot last longer than two months. During the affiliation period, you will not be required to pay any premiums.
Georgia Group Health Insurance
And Special Enrollment
When certain life changes occur, an employee is given 30 days to enroll in the employer's group health insurance plan. If family coverage is available, the employee's dependents can also choose to sign up for coverage at this time.
Special enrollment in the group plan is available when:
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The employee gets married.
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The employee has a child, either through birth or adoption.
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Other insurance coverage the employee had is terminated through death, divorce, job loss, retirement, or a reduction in working hours.
In any of the situations listed on this page apply to you group health insurance may or may not be your best choice. If you are not a high risk in the eyes of insurance companies then you are likely to find better rates with an individual policy. The point is you just won’t know until you get some quotes.
Get Your Free GA Health
Insurance Quotes Now!
Why not get a quote for Georgia group health insurance today?
All it takes is a few clicks of your mouse on the free GA health insurance quote finder at the top of this page, and you can get this valuable information right away.
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