Georgia Health Insurance

Health insurance is the most important purchase you can make to ensure that your family is protected in case you would contract a serious or terminal illness. It provides a peace of mind that your expenses will be covered if you have to be hospitalized, and that if you should happen to pass away, your family will not be financially burdened with your past medical bills. Purchasing health insurance can be a difficult task because the insurance companies must do a lot of research into your background before they will insure you and your family. It is important that you know your medical background and any pre-existing conditions that may make you uninsurable.

If you reside in the state of Georgia, you are not guaranteed insurance coverage under state laws. The Insurance Department of the state of Georgia regulates the laws that insurance companies operating inside state lines must adhere to. These laws mandate that there is no limit for the amount of time the insurance company can look back into your medical records to determine pre-existing conditions. If you are found to have a previous condition the insurance company has the right under Georgia state law to deny you coverage. The company may decide to insure you despite this pre-existing condition provided that you sign a waiver for that condition. This means that they are not required to pay for any treatment that is a direct or indirect result of the disclosed condition.

Premiums are not regulated by the state of Georgia, which means that the insurance company can charge whatever amount they see fit for your policy. The insurance company will look at several different deciding factors when calculating your premium. They will look at your age, your current and past health, and your location of residence among other things. If the company determines that you are uninsurable, you may make use of your HIPAA rights to be guaranteed insurance coverage through a Georgia health insurer.