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Small Group Health Insurance in Georgia
The state of Georgia is experiencing phenomenal growth as modern industries move to the area or expand. Small businesses, as well as large, enjoy this favorable business climate. As small businesses start or grow, they have special needs and considerations as they try to meet state and federal regulations and retain quality employees. Affordable group health insurance for Georgia businesses is available today from a number of providers.
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Different Types of Small Group Health Insurance
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Employer-Sponsored Coverage – Employers pay premiums to the provider on behalf of their employees (these premiums are tax-deductible for the business)
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Employee-Elected Coverage – Employees share the cost of some benefits but still enjoy the rates of a group package
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Dental, vision, prescription, and life insurance packages
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Small Business health insurance for the self-employed, including a business of one
Group Health Insurance Plan Options
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HMO – A health management plan with an emphasis on preventive care. This is the least expensive group plan option, but requires employees to have a primary care physician and use network providers through a referral system.
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PPO – A health management plan with an emphasis on discounts from selected providers. There is flexibility to choose deductibles, copays, and coinsurance rates. Out-of-network provider costs are covered but at a lesser amount.
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POS – A combination plan with the network requirements of an HMO, but the flexibility to be reimbursed for point of service medical expenses with out-of-network providers.
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SDHP – A self-directed savings account for preventive care, paired with a high-deductible PPO
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HSA – A health savings account paired with a high-deductible PPO
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Fee-for-Service – A traditional health insurance plan with the most flexibility but the highest cost.
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Georgia Small Group Health Insurance Details
Georgia is a state that requires almost all businesses with three or more employees to carry workers’ compensation insurance. Even those businesses that do not offer this insurance expose themselves to potential lawsuits from injured employees. This type of insurance is separate from any health, accident, or liability insurance the owner may carry.
Businesses with 20 or more employees must offer a COBRA (continuation of coverage) health insurance policy for any employee or former employee. Employers with 50 or more employees are also subject to the Federal Family and Medical Leave Act. All small businesses also need to comply with the Health insurance portability and Accountability Act (HIPAA). Requirements vary, depending on the business.
While individuals may be denied coverage because of pre-existing condition, state law requires that no individual member of a group can be denied insurance coverage.
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