Health Insurance in Georgia
A well-executed health care plan is one of the most critical benefits in your employee package. Client First Insurance Solutions helps businesses in the Americus, GA area create plan options that are affordable, effective, and relevant to your employees' needs.
Georgia Mandated Benefits
In the state of Georgia, employer-sponsored health insurance must include these nine elements.
- Emergency services
- Ambulatory patient services
- Maternity and newborn care
- Prescription drugs
- Hospital stays
- Treatment for mental health and substance abuse issues
- Rehabilitation services and assistive devices
- Pediatric services that include vision and dental
- Preventative care and chronic disease management
In addition to these basic coverages, Georgia law requires all individual, group, and HMO health plans offered in the state to cover these services.
- Bone marrow transplants
- Diabetes management and care
- Generic prescription drugs
- Treatment for TMJ
- Clinical cancer trials
- Treatment for morbid obesity
These requirements ensure that every health plan subscriber in the state is able to receive the care and attention they need to live their healthiest life every day.
Create Tiered Coverage Options to Fit Your Employees' Budgets and Preferences
Tiered plans allow employees to choose the coverage that is more customized to their needs, budgets, and preferences. Georgia has standardized tiered plans into four levels; Bronze, Silver, Gold, and Platinum. Each level is defined by the average amount of coverage provided by each plan, expressed as a percentage of the total amount of guaranteed healthcare costs coverage.
- Bronze - at least 60%
- Silver - at least 70%
- Gold - at least 80%
- Platinum - at least 90%
The remaining costs are the responsibility of the subscriber. Work with an insurance agent to find options that allow your employees to control their finances while still enjoying comprehensive healthcare benefits.
Keep your employees happy, comfortable, and healthy with comprehensive health insurance benefits from Client First Insurance Solutions. Talk to our Americus, GA area representatives to understand your options and begin building a better benefits package for your valued workforce.