Georgia Health Insurance

With the cost of health care sky-rocketing, it's important that you and your family are insured in the event of illness or an accident.

In our rocky economic landscape, health insurance is no longer a "given" -even if you are a full-time employee.

Whether your employer in Georgia was forced to give up group health insurance, or you have joined the ranks of the self-employed, more people than ever are taking their personal health coverage in their own hands.

It's no secret that a personal health insurance policy can be expensive. However, the health insurance market is constantly changing its rates and competing for business. If one health insurance company raises your rates, you are likely to find another individual health insurance company who can provide you with cheaper health insurance quotes.

Whether it is an expensive surgery or just a doctor's visit it pays to have personal health insurance.

What kind of health insurance should you get?

• HMOs are the often the most affordable of the personal health insurance policies. The main drawback to these is the fact that you have to go to the doctor that the insurance company says. Also, the types of tests or services may be tightly controlled. Some people prefer more flexibility.
• PPO plans allow you to choose your own doctors. They are more liberal on what tests and services are covered. This makes them more desirable if you can afford their prices. A personal health insurance PPO plan is more expensive than its HMO equivalent. PPO plans are popular with people who have had their doctor for years and would rather not change.

Lloyd Pro Group has worked with several individual health insurance carriers for over 20 years in the Atlanta area. Our knowledgeable health insurance agents can offer you detailed information about different carriers and their policies giving you many different health insurance options.