When COBRA expires what happens to your Georgia health insurance?
Most people will have the ability to pick from any number of Georgia health insurance plans, but a few who have serious health problems will find their choices limited. While the Georgia legislature has not seen fit to establish a risk pool for those who are rejected by health insurance carriers, you do have options.
Patient Charity is an excellent source of information for those who are uninsured. We recently added a new section specifically for Georgia residents.
The Georgia assignment system is a guaranteed acceptance program and works something like this. Once COBRA expires if you are unable to find health insurance in the open market you can be assigned to a carrier who MUST take you and cover your pre-existing condition. Here is an application for the assignment system. Download the application, complete and fax or email it to our attention at Georgia Insurance Shop.
If you have been covered under a fully insured group health insurance plan issued by a Georgia carrier (such as BCBSGA) you may be eligible for an ENHANCED CONVERSION plan. If ENHANCED CONVERSION is offered you are not eligible for the Georgia Assignment Plan.
Call if you have any questions about the application or process.
You have a choice of two indemnity plans. If you have been covered under an HMO and live in the Atlanta area you can also pick from one of two HMO plans.
Rates and benefits are listed in the application as well as the rules for qualifying under the assignment system.
You should be aware the indemnity plans offered through assignment do not entitle the policyholder to PPO network discounts. The plan does not have any doctor or Rx copays so many times applicants will want to supplement their assignment policy with a Core Health insurance plan.
If you have questions about the Georgia health insurance assignment system you may refer to our Patient Charity resource page or contact us by phone or email.
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It appears taht there is quite a safety net for Georgia residents when it comes to health insurance. Alan