|
Is it difficult to purchase insurance online?
Self Employed Insurance Georgia makes
it very easy to purchase online. You can get a quote in a matter of
seconds-direct from our home page. Product details are explained in simple terms
and additional information is always available when you are ready to review it.
Best of all, you always have
access to a personal Self Employed Insurance Georgia Plan Designer to answer questions and help
you through the process.
Can I actually apply for coverage, or must I mail in my application?
Your application can be completed and transmitted to our insurance company while you are online. It is
not necessary for you to mail any form to us. Your Self Employed Insurance Georgia agent
can also help you complete the application and transmit it directly to us.
Do I need to contact a Plan Designer, or may I purchase my coverage directly?
The option is yours;
however, our Self Employed Insurance Georgia agents are available to assist you at no
extra cost! They can walk you through the site and answer any questions you may
have during the quote and purchase process.
Is the information I am submitting kept secure and private?
Yes, Self Employed Insurance Georgia has a strict privacy policy. You may view it from the link on our home
page..(You may view it from the link on our
home page). REMEMBER: WE ARE NOT A "FOR SALE" WEB SITE . Many of the other
health insurance quote sites you visited have sold your inquiry for profit. Self Employed Insurance Georgia IS NOT IN THAT BUSINESS!!
What if I have questions while I am going through the
screens?
Your Self Employed Insurance Georgia
agent is happy to help. Or, you can contact our dedicated customer service
representatives toll free at 1-800-799-1983.
How do I know which plan is
right for me?
Choosing a health insurance plan for you and your family is a very important
matter. This serious decision involves a great deal of thought and research by
both you and your Plan Designer. It is essential to determine what type of
coverage your family is looking for; whether it is basic health insurance
coverage or a plan rich in benefits. Once you know what type of health insurance
plan you are looking for it, is essential to review the different plan options
available to you and your family. The Self Employed Insurance Georgia Plan Design
professional will help you in this process!!!
The
Spectrum Plan Georgia Health Insurance Options
 Health Insurance Comprehensive Plan
– Provides you with the most complete
coverage and includes prescription drug benefits. For more information about the
CGI Comprehensive Plan, contact our Plan Design specialist.
Health Insurance Affordable Plan
– Provides an excellent level of coverage at a reasonable cost. For more
information about the CGI Affordable Plan, including a plan description, contact our
Plan Design specialist.
Health Insurance Economical Plan
– A plan for a family looking for basic health
insurance at a very reasonable price. For more information about the CGI
Economical Plan, including a plan description, click on “Products”, contact our
Plan Design specialist.
All of these plans are underwritten by Continental General
Insurance; a company with a 40 year old history of good business.
What is a deductible?
A deductible is the amount of medical expenses that you must pay before the plan
will begin to cover expenses. For example, if you select a $1000 deductible, you
pay the first $1000 of your covered medical expenses before your health plan
begins paying expenses. By selecting a higher deductible, you will lower your
monthly premium.
What is coinsurance?
Coinsurance is the expense you share with the insurance company after you have
met your deductible. For example, if you have a $1000 deductible and an 80/20%
coinsurance plan up to $5,000, you would pay:
• The first $1000 of covered
expenses as your deductible,
• 20% of the next $5,000 of covered expenses, or up to $1,000.
• Once your deductible and coinsurance are met, your covered expenses are paid
at 100% for the rest of the year.
What is a PPO?
PPO stands for Preferred Provider Organization. You maximize your benefits by
using providers which are part of our PPO network. Since PPO providers have
already agreed to negotiated charges, they will bill you only for your
deductible and coinsurance amounts based on the pre-set prices.
If I obtain treatment from a provider who is
not in the PPO network, will my charges still be covered?
You always have the freedom to choose any provider you wish. However, your
benefits will be reduced for providers who are not in network. That means you
will pay more out-of-pocket for non-network providers. We have extensive networks throughout Georgia.
How
long does it take to find out if I am approved for coverage?
In most cases, coverage can be approved in 48 hours. If you have a more detailed
medical history, additional time may be required to review your application for
coverage
|
