Common Misconceptions about Health Insurance Georgia Policies

Many people believe the health insurance industry is too complicated to understand. Therefore, there are many misconceptions about health insurance Georgia plans.
My Health Insurance Georgia Plan Will Only Pay for Emergencies
Some people believe that health insurance Georgia plans only cover major medical expenses, such as emergency room visits or hospital stays. Although there are a small number of health insurance Georgia policies that do only cover major medical problems, this is very rare. The majority of health insurance Georgia plans covers all kinds of medical care, including preventive care. Preventive care refers to doctors' visits, screenings, or exams that are performed on a healthy person in order to prevent future medical or health problems. This includes things like immunizations, annual physical exams, or cancer screenings, such as breast or prostate cancer exams. The unusual major medical only plans tend to be purchased by healthy, self-employed people in order to keep costs down. The health reform acts that have recently been passed will make these types of plans obsolete in the future, as the regulations require health insurance Georgia plans to include preventive services and other types of medical care.
I have to be Healthy
Another misconception about health insurance Georgia plans is that an individual must be in perfectly good health in order to be able to purchase a policy. Although it is true that at this time, premium amounts do vary based on your health condition, health insurance Georgia companies do not require excellent health for approval. Insurance providers recognize that every one needs to receive adequate coverage, and therefore, there is some leeway when it comes to your health and getting approval for purchasing an individual health insurance Georgia plan. If you have a pre-existing medical condition, sometimes an insurance provider will insist on a waiting period until you can receive benefits for treatment of that condition, but you will still be able to get approval and receive benefits on other medical care. After all of the changes mandated by the health reform acts go into effect, insurance providers will no longer be able to base premiums on health conditions, so this will change even more so. However, premiums will still be allowed to vary based on age and geography.
I'll have to Pay Up Front
A third misconception about health insurance Georgia policies is that one has to pay all medical bills up front, and then file a lot of unnecessary and time consuming paperwork in order to be reimbursed. This also is a very rare occurrence that happens when people choose to purchase a health insurance Georgia policy that requires payment up front. Most people have the types of health insurance Georgia plans that allow members to only be responsible to pay their co-insurance or co-payment amount, and then the health care provider files claims to collect the remaining portion of the charges. Medical services providers have staff that is educated and trained in health insurance Georgia plan claims submission and medical billing, so it is not difficult for them. Most patients will not have to complete any paperwork, other than signing permission for the physician or hospital's office staff to bill the health insurance Georgia Company on their behalf.
This information may help clarify some misconceptions about health insurance Georgia plans for you.