Georgia Family Health Insurance

HMO Health Insurance Policy Features - Georgia

HMO Health Insurance Policy Overview - Georgia

Subscribers to an HMO receive medical services from participating
physicians, clinics and hospitals. You choose a primary care
physician (PCP) from a list of participating doctors from where you
live in Georgia. That doctor is used for typical circumstances such as
annual exams and usual health issues. If you need to see a specialist,
be hospitalized, or have lab or X-ray work, your doctor will refer you to
a provider or facility within the HMO system. Your doctor must give
authorization for those services to be covered by your HMO. In other
words, you must see HMO approved physicians and use HMO
approved facilities or pay the entire cost of the visit yourself.

Similar to Point-of Service (POS) and PPO's, HMO's have made
arrangements for lower fees with a network of health care providers
and give their policyholders a financial incentive to stay within that
network.

You may have to pay some portion of the cost (co-payment) for each
office or hospital visit, such as $20 - $30 per doctor visit, regardless
of what the services cost. Also, some services such as emergency
room, mental health and chemical dependency services, may carry
additional costs in a Georgia HMO health maintenance plan.

Click on the link below to fill out a quote request form for a Georgia
HMO health insurance policy that provides excellent health insurance
coverage and services at an affordable cost. Or you can speak with
our Georgia Health Insurance specialist at (770) 510-4328 to discuss
the features.

Click HERE to fill out a

Georgia Health Insurance

quote request form

Learn more about the other types of Individual or Family Health
Insurance polices we offer in Georgia by clicking on a link below!

Georgia Health Insurance Information - Family or Individual

(HMO, PPO, POS or Major Medical Coverage)

Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, Lindsey
Insurance Group can offer affordable HMO, PPO, POS, and Major Medical
Health Insurance policy coverages throughout Georgia, including the metro
Atlanta area.

Health insurance plans that allow you the most choices in doctors and
hospitals also tend to cost more than plans that limit choices. Individual and
family health insurance plans that help to manage the care you receive,
such as PPO and POS plans, usually cost you less, but you must give up
some freedom of choice.

Learn more about HMO, PPO, and POS managed health care insurance
policies we offer throughout Georgia by clicking on a link below or click on
the link for information on Major Medical health insurance.

Click on the link below to fill out a quote request form for a Georgia health
insurance policy that provides excellent health insurance coverage and
services at an affordable cost. Or you can speak with our Georgia Health
Insurance specialist at (770) 510-4328 to discuss the features.

Click HERE to fill out a

Georgia Health Insurance

quote request form

We are your local Atlanta, Georgia area insurance agency, offering affordable health
insurance policy premiums in the following cities and counties: Stone Mountain,
Alpharetta, Buckhead, Canton, Cumming, Buford, Braselton, Sugar Hill, Hoschton,
Gainesville, North Atlanta, Tucker, Pine Lake, Mountain Park, Glen Haven, Clarkston,
Belmont, Redan, Pittsburg, Lilburn, Luxomni, Snellville, Five Forks, Centerville, Caleb,
Zingara, McElroys Mill, Rosebud, Grayson, Loganville, Walnut Grove, Youth, Between,
Windsor, Nicholasville, Alcovy Mountain, Bold Springs, Campton, Monroe, Jersey,
Whitney, Pannell, Lithonia, Panthersville, Dialtown, Flint Hill, Conyers, Milstead, Klondike,
Panola, Snapfinger, Magnet, Gloster, Bethesda, Pleasant Hill, Norcross, Pittman,
Mechanicsville, Meadow, Duluth, Berkeley Lake, Lawrenceville, Forest Hills, Suwanee,
Scottdale, Belvedere, Northwoods, East Lake, Decatur, Avondale Estates, Rehoboth,
North Decatur, East Atlanta, Dunwoody, Oakhurst, Druid Hills, La Vista, Brookhaven,
Roswell, Doraville, Marietta, Smyrna, Winder, Auburn, Gwinnett County, Dekalb County,
Rockdale County, Walton County, Newton County, Hall County, Barrow County, and
Fulton County, GA.

* Preventive care emphasis

* Primary care physician (PCP) coordinates your total care

* Must get a referral from your PCP to visit a specialist

* Fixed monthly fee

PPO Health Insurance Policy Features - Georgia

* Convenient access to quality health care

* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.

* Pay for services as they are provided

PPO Health Insurance Policy Overview - Georgia

You can see any health care professional in the network any time you
choose to make an appointment. You don't need referrals for specialists or
other services as you do in an HMO. You can see doctors or specialists
outside your PPO network, however, your portion of the costs will be higher.

You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental
health and chemical dependency services, may carry additional costs in a
Georgia PPO health insurance plan.

Click on the link below to fill out a quote request form for a Georgia family or
individual PPO health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak
with one of our Georgia Health Insurance specialists at (770) 510-4328 to
discuss the features.

POS Health Insurance Policy Features - Georgia

* Preventive care emphasis

* Pays benefits for out-of-network care, but at a lower level

POS Health Insurance Policy Overview - Georgia

Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you
see any licensed health care professional for anything covered by the insurance.
Care you receive from out-of-plan health care professionals is reimbursed, but
you must pay an often times much higher co-payment or deductible amount.
While you may choose to see a physician outside the network, if you don't
receive permission from your (PCP) primary care physician, you're likely to end
up submitting the bills yourself and receiving only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which
you and the insurance company share the cost for services covered by the
policy.

Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a Georgia POS health
insurance plan.

Click on the link below to fill out a quote request form for a Georgia family or
individual POS health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak
with one of our Georgia Health Insurance specialists at (770) 510-4328 to
discuss the features.

Fee-for-Service or Major Medical Health Insurance Policy

(Family or Individual in Georgia)

Major medical health insurance provides benefits up to a high limit for most
types of medical expenses incurred, subject to a deductible. Once you meet
the deductible, our Georgia Major Medical Insurance plans pay a percentage of
what is considered the "Usual and Customary" charge for covered services.
The insurance company generally pays 80% of the Usual and Customary
costs and you pay the other 20%, which is known as co-insurance. If the
insurance company charges more than the Usual and Customary rates, you
will need to pay both the co-insurance and the difference.

With Georgia Major Medical Insurance plans you can choose your doctor and
any hospital for your medical services. You or your doctor send the bill to the
insurance company, which pays part of it. Usually, you have a deductible
such as $250 or more to pay each year before the insurer starts paying. The
plan will pay for charges such as medical tests and prescriptions as well as
from doctors and hospitals.

Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health
care providers than managed care plans, such as HMO, PPO, and POS.
Major Medical Insurance may not pay for some preventive care, such as
check-ups, and is usually a more expensive health insurance coverage than
utilizing a Georgia HMO, PPO, or POS plan.

Click on the link below to fill out a quote request form for a Georgia family or
individual Fee-for-Service / Major Medical health insurance policy that
provides excellent health insurance coverage and services at an affordable
cost. Or you can speak with one of our Georgia Health Insurance specialists
at (770) 510-4328 to discuss the features.

Learn more about the other types of Individual or Family Georgia Health
Insurance polices we offer by clicking on a link below!

Major Medical Insurance Policy

HMO Health Insurance Policy

PPO Health Insurance Policy

POS Health Insurance Policy

Managed Health Care Plans:

PPO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Individual or Family Georgia Health
Insurance polices we offer by clicking on a link below!

Managed Health Care Plans:

HMO

POS

Fee-for-Service Health Plan:

Major Medical

Learn more about the other types of Individual or Family Georgia Health
Insurance polices we offer by clicking on a link below!

Managed Health Care Plans:

HMO

Fee-for-Service Health Plan:

Major Medical

PPO

Managed Health Care Plans:

HMO

POS

PPO

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.

Click HERE to fill out a

Georgia Health Insurance

quote request form

Click HERE to fill out a

Georgia Health Insurance

quote request form

Click HERE to fill out a

Georgia Health Insurance

quote request form