Whether you use your health insurance plan a lot or just for check-ups, you can find the right one with Blue Cross and Blue Shield of Georgia. You’ll find special programs, great doctors, and plans that fit you just right. So you can get healthy and stay healthy. Let’s check out all your health insurance options so you can find the best one for you or your family.
Open Enrollment starts November 1st!
The time to apply for your 2017 health insurance plan is coming up. Until then, you can still try "window shopping" to compare options. You can also buy dental insurance or dental with vision insurance by shopping today.
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Which health insurance plan is right for you?
In Georgia, health insurance plans come in all shapes and sizes. At Blue Cross and Blue Shield of Georgia, our most popular plan types are HMOs and PPOs. Our plans come in a range of prices, too, so you’ll find the right fit for your wallet.
Over 65 or Medicare eligible? Check out our Medicare Plans
Pick your plan level
Everyone’s budgets and health care needs are different. So we designed our plans that way. They come in different price levels: Bronze, Silver, Gold, or Platinum. They can be simple and affordable or broad and comprehensive. Whether you’re a family of five with lots of doctor’s appointments or someone who just wants to be covered for emergencies, we’ve got a health plan in Georgia to help match your needs. Learn more and explore your options below.
Bronze! On this health plan, you’ll have low monthly payments while being covered for check-ups and preventive care. You could pay more out of pocket if you need more care, but if you don’t expect to go the doctor very much this year, Bronze is a good bet. These health plans can be great for people who are younger with no dependents.
Silver! On this plan, you’ll get affordable health insurance that covers all the basics and more. You’ll still have low monthly payments, but you’ll spend a little more out-of-pocket if you need to visit the hospital or a specialist. You’ll also get preventive care for $0 with no copay and no deductible. If you work hard to keep yourself in good health, Silver is a great option for your budget.
Gold! This is a good all-around health plan. You’ll have moderate monthly payments and lower out-of-pocket costs in the event of an illness or hospital visit. You’ll have a lower deductible to meet, and you can save on visits to doctor or specialists whenever you need them.
Platinum! On this plan, your monthly payments are higher, but you’re covered for emergencies, regular doctor visits, and preventive care alike, with little or no deductible. It’s broad coverage with out-of-pocket savings for individuals and families.
PPO vs. HMO
Deductibles & Copays
When you have health insurance, we’re here to help with medical costs. As soon as you start the monthly payments on your plan, you’ll be covered for check-ups and preventive care. Most preventive care is free or costs only a small fee called a copay. For other care, you might be asked to pay for your care up to a certain amount. That’s reaching your deductible. Once you reach it, we’ll start paying for a big percentage of your costs. You just pay the rest. That’s called your coinsurance. Finally, every plan has an out-of-pocket maximum that you can reach if you spend a lot in one year. If you do, we’ll pay the full cost of all your care until the end of the year so you don’t spend a penny more.
The amount you have to spend before we can pay for your costs. Gold & Platinum plans often have $0 deductible.
Copays & Coinsurance
Copays are usually affordable fees you pay when you go to the doctor. Coinsurance is the percentage you have to pay for care. We pay the rest.
If you spend a certain amount in one year, you won’t have to pay more. We’ll cover your expenses for the rest of the year.
Can I get help paying for health insurance?
The Affordable Healthcare Act (ACA) gives lots of people help paying for their health insurance premiums. If you qualify, you’ll look for a plan on the health insurance Marketplace that fits your needs. Then, you can buy your plan right here with us. Find out if you might qualify.
Based on your income and tax status, you may qualify for help from the federal government (in the form of a tax credit) that will help lower your monthly payments on your health insurance plan. You’ll have a lower monthly bill, and you can still take advantage of the leading doctors on our Blue Cross and Blue Shield of Georgia plans. Shop for your plan right here with us.
Based on your income and tax status, you may not qualify for help from the federal government (in the form of a tax credit). However, you can still shop for lots of affordable plans in your area with us. Take advantage of our family of doctors and explore our plans today.
Other help programs
Minimum coverage plans help save money on health insurance for people with certain qualifications. If you’re under 30 or qualify for one of 14 hardship exemptions you may be eligible for this plan.See if you qualify for a minimum coverage plan
If you’re disabled, managing a chronic condition, or need income assistance, you may qualify for Medicaid coverage.See if you qualify for Medicaid