While there is no single best health insurance plan for anyone (including children), some plans are indeed a better fit for children than others. As parents we all want the best for our children, so we try to do everything in our power to not only protect them but also to cover their health needs as well. There are many choices but not all health care plans are a fit for each family.
The first step is to find a well-versed, licensed agent in your state, such as Georgia Insurance brokers to help you navigate the myriad of plans plan for each family. Make sure your agent is able to not only talk about the premiums and deductibles but more importantly, the health of your children, the children’s needs, preference for doctors, and expectations on benefits (including out of pocket costs).
If you are looking for the maximum coverage for your children typically the best option is a traditional healthcare plan that includes your children, UNLESS your child is under 26 and resides in a different state. If you live in Georgia, your choices for a traditional healthcare plan outside of an employer are limited to mostly HMO’s. Keep in mind most HMO’s won’t provide benefits for someone living out of state unless there is an emergency.
Another option if your child is a full-time college student is to inquire about the college’s healthcare plan available to students. Most colleges and universities have these plans, but you have to consider the possible ramifications if your child lives in another state during the summer when school is out or travels abroad. If you already have a family plan from work, then a college or university plan would simply be an unnecessary expense.
The final option and a rising favorite among many families is to become a member of a health sharing plan or network. These plans are unique, affordable and ACA exempt. The good news is the health sharing plans use a national PPO network which allows you to also find health care anywhere in the country. This type of plan is much less expensive for those who do not get a tax credit on their premiums.
The Health Sharing plans offered by Georgia Insurance Brokers Affordable Care Act (ACA) approved and covers “MEC” which stands for the minimal essential coverage one should carry as mandated by the ACA. This means the health sharing network covers all of your preventative care at no additional charge. Your physicals, mammograms, pap smears and colonoscopies are all covered for free in the health care sharing network offered by Georgia health brokers!
With any insurance or health care plan there are some caveats within each company or policy: however, a qualified licensed Georgia insurance broker can easily help you navigate through your options. Georgia Health Insurance brokers help you through the process of learning and exploring options to best fit your family and your needs. at process.
At Atlanta Health Brokers, we all live in Georgia and enjoy helping people find the best possible health insurance plan for their particular situation. We are all licensed brokers, trained and certified to help individuals and families find the best health care plans at the most affordable price. Remember, there is never a charge to clients for the services provided by Ga insurance brokers.