Coverages and availability vary by state. Not all businesses and individuals qualify. This does not constitute legal, tax, or accounting advice or opinion. Consult with an experienced and properly licensed professional regarding the specific suitability of any planning technique.
Individual and Family Health Insurance
ABA offers you great choices from top rated carriers, all with online access for quotes and applications. Compare the coverage and premium options, and then apply online for the fastest service. No agent will call you, but you can always call us to discuss your needs and questions.
Now that you have considered Health insurance. . .Take 5 minutes to determine if you have enough Disability and Life insurance to protect your family in the event of your inability to bring home your pay check.
Some financial advisors say you need 5 to 7 times your annual pay in Life Insurance and 70% to 80% of your monthly pay in Disability Insurance.
However, for a more precise determination of your needs, here are four great independent web resources that can help you consider most of the unique variables to calculate your needs and guide you in selecting the best policy:
ABA's #1 Recommendations for Best Value for most Individuals & Families
Cigna - New plans for Individuals in GA, FL, NC, SC, TN & TX with benefits traditionally only available to larger employers, such 24/7 service, nationwide newtwork, and no waivers or riders for pre-existing conditions with prior individual or group creditable coverage.
CoventryOne - Great choices for GA Individuals to fit your budget, such as Copays as low as $20 with Deductibles of $500 to $10,000 - plus Dental and Vision benefits are included.
Kaiser - Georgia - rated #1 in customer satisfaction for metro Atlanta HMOs, offers great coverage options and access to over 2,000 physicians, with deductibles as low as $0.
Golden Rule- backed by UnitedHealthcare, a national leader in individual health market for over 60 years with great Health Savings Accounts (HSAs).
Aetna - your Personal Health Record is included for individuals purchasing an Aetna Advantage Individual health plan to help you better manage your health.
Georgia Blue Cross - the largest Health Insurance carrier in Georgia offers PPO and POS plan options. Short-term health plans are available, too.
Humana ONE - aleading Health insurance carrier with many coverage options, including 10, 15 or 20 year Term Life and Dental coverage, all with ONE application.
Time / Assurant - one of the oldest nationwide Major Medical Health carriers, offering Decreasing Deductibles and 2 year rate guarantee on some plans. Includes toll-free access to TelaDoc Medical Services for on-demand counsel from board-certified, licensed primary care physicians.
Homeland HealthCare - Limited Medical benefits at affordable rates. Maternity and Pre-existing conditions are covered, but limited for 12-months for critical illness benefit. Benefits include: Prescriptions; Free 24/7 access to MDs by phone or email with no limitations on usage; Mental Health, Alcohol & Drug; Accident Medical; Accidental Death; Lab Services; Medical Imaging; and Vision benefits.
Dental- $1,500 limit, $50 deductible, see any dentist
If you are uninsured for more than 62 days, you will most likely lose coverage for any pre-existing conditions and have a waiting period of up to 12 months on any new individual or employer group health policy.
Short Term Medical - up to 12 months of coverage, ideal for "between jobs" or lower priced alternative to COBRA while waiting for your new employer's coverage
Student Plans - ideal if you are no longer covered as a dependant under your parent's plan or if you are attending school outside an HMO or PPO region
All premium rates are fixed by state law - there's no lower cost than with ABA.
