Individual Health Insurance
Sometimes called Comprehensive Major Medical Coverage. These type policies have a limit on what your maximum out of pocket expenses will be in any given calendar year. That would consist of your deductible plus your co-insurance. Co-insurance being defined as the percentage you pay after the deductible before the insurance company begins paying 100%.

Group Health Insurance
Small group plans are usually defined as 2-50 employees. Due to different legislation that has been passed over the years, coverage under small group plans will vary from individual plans. Small group insurance is not always less expensive than individual. Also, Cobra is required to be made available for small groups with over 20 employees. Under Georgia law, no one can be declined for coverage on a small group plan. Large group plans are usually defined as 51 employees or more. Again, due to certain legislation, coverage requirements under large groups and small groups will vary somewhat.

There are many different types of individuals plans available. Please call our office with questions or for details on all of the plans available. We can see what type of coverage you are looking for, a price range, and what works best in your area. Our office has over 15 years experience in the health market.