Life insurance policies do cover murder, and suicides are covered as well after an elimination period. An elimination period is a period of time where a policy does not cover a situation. For instance, if a policy has a 2-year elimination period then suicide will not be covered for two years after the policy is purchased.
When you buy life insurance you name a beneficiary who is the person that gets the proceeds of a life insurance policy. Over time, you can change the beneficiary by notifying us at Georgia Insurance Brokers.
You need to let your insurance carrier or Georgia Health Brokers know if you are moving outside the state of Georgia. Policies and limits change from state to state and keeping the insurance companies updated are key.
Health Insurance typically only pays the provider; however, Georgia Health Insurance offers supplemental plans and policies that can pay you in the event you get diagnosed with certain diseases, such as cancer. For example, you can get paid for receiving the diagnosis and for each day of a hospital stay.
By making sure any non-emergency procedures are pre-approved by the insurance company or health sharing network.
Most insurance plans do not cover you in another country. The good news is Georgia Health Insurance has plans for you that will cover you in other countries for a specified period of time.
If you have balances remaining after a hospital stay then typically the insurance company or health sharing network hasn’t completed its reimbursement process. Once the claim is fully paid, you should only be left with co-pays, deductibles, and any non-covered expenses.
Each insurance policy or healthcare cost-sharing plan has its own limitations as far as which hospital or provider accepts your policy and plan. This is a major reason why Georgia Health Brokers takes the time in ADVANCE to thoroughly review the providers and facilities that accept the policy you purchase. Because providers change their policies on accepting various types of insurance, Georgia Health Brokers are always available to help confirm coverage with facilities and providers.
In case of emergency always call 911, and when you’re settled and safe we will help you with any coverage issues that arise relating to emergency care.
Georgia Insurance Brokers will review all possible healthcare cost coverage options with you and help you select the best health care option for your family and you. Georgia Health Insurance actively represents a large number of health insurance carriers and healthcare cost-sharing networks.
How can Georgia Health Insurance help us after Purchasing a Health Insurance Policy or Healthcare Network Sharing Policy?
Georgia Health Insurance serves as your health insurance concierge. We help you find the best policy then stand by your side to help with any issues that may arise. A few issues we address with our clients on a daily basis include getting new medicines approved for reimbursement, assisting with procedure approval, deductible calculations between a number of providers and claims settlement assistance through the insurance explanation of benefits (EOB).
The minimum age for getting Georgia health insurance is 18 years of age.
A major change brought by the Affordable Care Act (ACA) is to create an open enrollment period for people to purchase insurance (previously, individual insurance could be sold year-round). Whether you currently have insurance or not, the Open enrollment period allows you to review your current coverage in order to determine if you want to make a change. For first-time buyers of insurance, this gives you the opportunity to search both on and off the health insurance exchanges operated by some states and the Federal government.
Georgia Health Brokers will search for plans both on the Healthcare exchange (sometimes called “marketplace plans”) and directly with the insurance companies (sometimes called “off marketplace plans”). We will explain your options, pros and cons, and work with you to make the best possible choice for your health insurance coverage.
Short-term disability insurance provides monthly payments to help cover expenses if you are so disabled as to not be able to work at your profession. The monthly benefit amounts vary and are usually tagged to your current income. Benefits usually begin about a month after the disability is determined and continue for up to 12 months. This benefit can help you to cover living expenses and other costs during this difficult time. This insurance is available to individuals or as a group benefit offered by employees.
A death or critical illness in the family can sap savings and make day-to-day life more difficult and expensive. There are a couple of ways to lessen these risks:
TERM LIFE INSURANCE
Provides payment of a fixed amount upon the death of the insured person. Some policies also pay a partial benefit upon diagnosis of a critical illness. Amount of the policy premium is based on the dollar amount of the benefit, length of the term, and the person’s age and health. For example a 10-year term life policy for $250,000 would pay that amount if the insured person dies during the 10-year period. After ten years, you must either renew or find a new term policy
Example: Dean and his wife Julie have just had a baby. They have a mortgage and do well on their two incomes. If Dean were to die, Julie would have trouble making mortgage payments and caring for their child. Dean purchases a $500,000 life insurance policy for a 15-year term. This will pay Julie and the baby $500,000 for their use as needed.
CRITICAL ILLNESS INSURANCE
Pays a fixed amount of money upon diagnosis of any of the listed critical illnesses. This money can be spent for any kind of expense—not just medical expenses. Policies are for specified dollar amounts.
Example: Ann runs a small business that employs two other people. The business is new and struggling to become profitable. If anything happened to Ann, the business would suffer greatly. Ann purchased a critical illness policy in the amount of $150,000. If diagnosed with one of the critical illnesses, the plan would pay her $150,000 to support herself and the business.