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Health Insurance Policy Choices - General Health Insurance Guide Dacula GA

Can I afford health insurance? The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested.

Harold Lundy
1091 Ashland Drive
Statham, GA
Company
Company: Lundy Insurance Group, Inc.
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Pension for Highly Compensated Owners,Stock Market Alternative,Alternative Investments,Disability Insurance,Annuities,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Life Insurance,Long-Term Health Care Planning,Retirement Income Accumulation Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicare Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning

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AffordableFamilyPlans.com
(800) 819-7853
PO Box 1975
Loganville, GA
 
Harris Medical Associates
(770) 497-9685
1180 Satellite Boulevard, Suite 200
Suwanee, GA
 
David C Cloud & Associates
(770) 935-0330
4485 Tench Rd Ste 210
Suwanee, GA
 
413 Insurance Services, LLC
(770) 965-6221
5634 Atlanta Hwy Ste. 1000
Flowery Branch, GA
 
Aflac
(770) 374-1347
368 West Pike Street
Lawrenceville, GA
 
Claiborne's Consultation Service for Senior Health Plans, LLC
(770) 680-2726
4850 Sugarloaf Pkw Ste 209-159
Lawrenceville, GA
 
Ameriplan USA
(888) 894-0802
P O Box 392544
Snellville, GA
 
Absolute I nsurance Brokers
(770) 965-8445
5914 Nachoochee Tr.
Flowery Branch, GA
Prices and/or Promotions
We shop many insurance carriers to get lowest premiums for you!!

Markel Insurance Services
(770) 982-7051
3100 Five Forks Trickum Rd., SW
Lilburn, GA
Prices and/or Promotions
Affordable Georgia Health Insurance

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Health Insurance Policy Choices - General Health Insurance Guide

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Health Insurance Policy Choices

This is a big question. If you are shopping for health insurance on your own you will have a wide range of factors to consider. Even if your employer provides you with health insurance, you may have multiple plans to choose from. How do you decide what's right for you?

The most important thing, before deciding on health insurance, is to ask yourself the right questions:

Can I afford health insurance?
The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested, perhaps you can tailor the plan to fit you. Are there options to insure only large health expenses? If your family is in good health, you could gamble that you will only need coverage for large health expenses, such as 'emergency' situations, and tailor your coverage that way.

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State policies on insurance vary widely. Some states require that insurance companies cover everyone, regardless. This means that the risk is spread over everyone, and your premiums will be the same as everyone else's even if you are young and healthy. In this case, your options for a lower price policy will be limited.

You might have to look for a job which has health insurance as a benefit in this case, if you can't afford premiums.

What am I expected to pay?
It's not just about the premiums you pay for health insurance. It's also about the costs that you incur when you use health services. What is the deductible? What percentage of the health expense (minus deductible) will I be reimbursed? These are also important considerations, especially if you or your family members are frequent users of health care services.

Does this medial insurance plan cover the services I (or my family) use?
If you have seen a Chiropractor for years you will likely want this to be a covered therapy. Not all health insurance plans cover alternative health practitioners - check the fine print.

Not all health insurance plans cover preventative medicine. If you'd rather take action before you get sick check your coverage.

Also, be sure that the medial insurance will cover you for your pre-existing health conditions. If it doesn't, or it has a waiting period, be sure you understand how that will impact you and your family.

Health insurance plans may also restrict your ability to change doctors, see doctors outside of the plan or get access to specialists. Read the fine print.

If you are interested in starting a family it's critical to understand whether the health insurance covers the costs of prenatal care and delivering the c...

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Georgia State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, ambulatory surgery centers, athletic trainer, autism, bone marrow transplant, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, chlamydia screening, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dependent coverage (including newborns, adopted children, dependent student/adult, disabled dependent adults, diabetes (self-manangement and supplies), emergency room service, first nurse assistant, habilitative service for congential or genetic defects, hearing aids for minors, heart transplant, in vitro fertilization, mammography, mastectomy (including minimum stay), maternity (including minimum stay), mental health, morbid obesity treatment, off-label drug use, optometrist, ovarian cancer screening, prostate cancer screening, psychologist, TMJ disorder, vision care service, well child care

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