 Hottest Selling
Health Plans
In Georgia!
Number One Hottest Selling Plan:
How about a plan with no
Deductible!!? This one is priced great and although it has a $40 copay it doesn’t hit you up for a deductible for lab work and x-rays like most plans. Covers prescriptions with a copay as well. See the Right Plan listed below.
Number Two Hottest Selling Plan:
A full coverage plan with a $40 copay for doctor visits. The least expensive one is the one with a $2000 deductible but you can get another series of plans with lower deductibles and copays. See the Blue Value 2000 below.
Number Three Hottest Selling Plan:
A new type of plan you will be hearing a lot about are called HSA’s. These have the higher deductibles and you lose the office copay feature. But they allow you to get an HSA bank account and have some tax advantages. The money you save on the premium you can put in the bank account and use for the doctor visits not covered before the deductible is met. See the HSA Plan below.
Number Four Hottest Selling Plan:
This works only if you are in the Atlanta area. These are the HMO types of plans and they have excellent maternity benefits. You will appreciate the lower copays, usually around $20 to $30 a visit and having some plans without a deductible. See the Kaiser plans below.
So here they are.....
Plan One - the Right Plan
Enjoy the savings of a plan with just the benefits people wish the most:
Widest choice of doctors and hospitals
Lifetime maximum of up to $5 million
Low Prescription Drug Co-pays
Out-of-pocket maximums protect you from catastrophic expenses
Toll-free dedicated customer service numbers - or call us your agent at: 1-800-497-4010
No claim forms with network providers
HIGHLIGHTS OF THE RIGHT PLAN:
This plan is designed especially for:
Young, active healthy adults
Self-employed singles
Empty nesters
Early retirees
WHAT IS COVERED (these are highlights only for in-network providers):
DOCTOR VISITS: You pay just a $40 copay for a visit to a doctor
Includes x-ray and lab work when performed in the doctor’s office
HOSPITAL VISITS: You pay a $500 copay for an admission to the hospital, then the plan pays 60% for inpatient services and physician services
PRESCRIPTION DRUGS: You pay just $15 for a generic type drug and $30 for a brand name. Brand name drugs subject to a $200 deductible per year (these are formulary drugs)
THESE KINDS OF SERVICE ARE COVERED AT THE 60% LEVEL:
- Lab/X-rays
- Surgery
- Radiation
- Anesthesia
- Physical Therapy / Chiropractic / Occupational Therapy / Speech Therapy (have some limits on number of visits)
- Durable Medical Equipment and Prosthetics
- Private Duty Nursing (limit of $2500)
- Ambulance
LIFETIME MAXIMUM: $5,000,000
OUT OF POCKET MAXIMUM: $7500
WHAT IS NOT COVERED:
Maternity
The key here is no deductible and a lot of coverage for the money. Be sure to go to the quoting section to get the rates for this plan. If it doesn’t show up there, call us, its worth checking this plan out!!
Questions? call us at 1-800-497-4010
IS YOUR DOCTOR AN IN-NETWORK DOCTOR?
Click here for the doctor network, click on Blue Choice PPO...now you will be able to access all the doctors.
These have only been highlights. Click here and receive the full brochure and disclosure. You need to read the exclusions and the fine print. I’ve only tried to highlight broadly what the policy is about, but you need the company’s literature to get the full picture.
Ready for rates? Click here to go to the rates.
Lastly, give us a call and we would be happy to speak to you about any or all ideas that you may wish to consider. We are not the way you might think insurance people might be. Our goal is to help you get what you want and will refer you to any place that will be best for you.
Questions? call us at 1-800-497-4010
Plan Two - the Blue Value Plan 2000
HIGHLIGHTS OF THE BLUE VALUE PLAN 2000:
This plan is a complete plan. Although these have deductibles from $500 all the way up to $10,000 you can get maternity as a family and a lower out of pocket maximum. I like the $2000 deductible for its price and for what you get, but look at the whole lineup when you go to the quote page then see which ones you like the best.
WHAT IS COVERED (these are highlights only for in-network providers):
DOCTOR VISITS: You pay just a $40 copay for a visit to a doctor (1st 6 visits, after this subject to the deductible and you pay just 30%). Includes x-ray and lab work when performed in the doctor’s office
HOSPITAL VISITS: You have a $2000 deductible (can be as low as $500) and then the plan pays 70%
PRESCRIPTION DRUGS: You pay just $15 for a generic type drug and $30 for a brand name. Prescription drugs subject to a $200 deductible per year
THESE KINDS OF SERVICE ARE COVERED AT THE 70% LEVEL (after the deductible):
- Lab/X-rays
- Surgery
- Radiation
- Anesthesia
- Physical Therapy / Chiropractic / Occupational Therapy / Speech Therapy (have some limits on number of visits)
- Durable Medical Equipment and Prosthetics
- Private Duty Nursing (limit of $2500)
- Ambulance
- Maternity (family contracts only)
LIFETIME MAXIMUM: $5,000,000
OUT OF POCKET MAXIMUM: $2000
The key here is safety from the big things that may occur as you have a low out of pocket maximum. Plus great day to day coverage is included. And you can pretty well pick what you want to pay by choosing the deductible that is in your price range.
Again, these have only been highlights. Click here and receive the full brochure and disclosure. You need to read the exclusions and the fine print. I’ve only tried to highlight broadly what the policy is about, but you need the company’s literature to get the full picture.
Ready for rates? Click here to go to the rates.
Questions? call us at 1-800-497-4010
Plan Three - High Deductible HSA Plan
These are the hottest new plans out there. They allow you to put some money away in an IRA type account and have some tax advantages (for a change!!) The benefits are not really negotiable, the US government tells the companies what they can offer. If you don’t get an HSA qualified plan you won’t get the tax benefits. So the plans in the quoting section that say HSA are indeed the right plans. You will note that you lose the office copay feature most people like. But the idea is you can pay for the office visits with the savings from the lower price and still come out ahead. So see if you can live with these benefits, if so, it may be the type of plan for you. There are variations of these plans in the quoting area, so you may wish to check them all out.
WHAT IS COVERED (these are highlights only for in-network providers):
DOCTOR VISITS: There is a $2600 deductible for an individual or $5150 for a family before the plan helps out with doctor visits and most everything else too. If you reach the deductible the plan pays 80%. The one exception is a routine doctor exam where there is no deductible and the plan pays 80% of it up to $250.
HOSPITAL VISITS: After the deductible the plan pays 80%
PRESCRIPTION DRUGS: After the deductible the plan pays 80%
THESE KINDS OF SERVICE ARE COVERED AT THE 80% LEVEL (after the deductible):
- Lab/X-rays
- Surgery
- Radiation
- Anesthesia
- Physical Therapy / Chiropractic / Occupational Therapy / Speech Therapy (have some limits on number of visits)
- Durable Medical Equipment and Prosthetics
- Private Duty Nursing (limit of $2500)
- Ambulance
LIFETIME MAXIMUM: $5,000,000
OUT OF POCKET MAXIMUM: $5000 for an individual / $5150 for a family
The key here is saving money in a tax sheltered place to use for the simple things and having coverage for the bigger things only. If your station in life is well set, this may be perfect for you. If not, Plan 1 or 2 will be better for you at this time.
Again, these have only been highlights. Click here and receive the full brochure and disclosure. You need to read the exclusions and the fine print. I’ve only tried to highlight broadly what the policy is about, but you need the company’s literature to get the full picture.
Ready for rates? Click here to go to the rates.
Questions? call us at 1-800-497-4010
Plan Four - Kaiser Plans
These are only for use in the greater Atlanta area. Kaiser offers great value because they can control their costs better than an insurance company. Insurance companies must contract with doctors and hospitals that want to cut a better deal for themselves. Kaiser mostly owns their facilities so they can be one of the hottest plans out there. Because of fierce competition they have come out with a whole new set of plans. Check them all out on the quote pages.
WHAT IS COVERED (these are highlights only for Kaiser providers):
DOCTOR VISITS: $30 copay
DEDUCTIBLE: $1000 for Plan C, $2000 for Plan D, or $5000 for Plan E
PRESCRIPTION DRUGS: After a $200 deductible you pay $15 for generic, $30 for brand name
THESE KINDS OF SERVICE ARE COVERED AT THE 70% AFTER THE DEDUCTIBLE:
- Hospital Services
- Surgery
- Radiation
- Anesthesia
- Physical Therapy (limited to 20 visits)
THESE KINDS OF SERVICE ARE COVERED AT THE 100% AFTER THE DEDUCTIBLE:
- Lab / X-Ray
- EMERGENCY ROOM: $150 copay
- MATERNITY: $1000 copay
- LIFETIME MAXIMUM: Unlimited
- OUT OF POCKET MAXIMUM: $2000 for an individual / $6000 for a family
The key here is excellent maternity coverage, fair prices, and reasonable out-of-pocket maximums
One last time, these have only been highlights. Click here and receive the full brochure and disclosure. You need to read the exclusions and the fine print. I’ve only tried to highlight broadly what the policy is about, but you need the company’s literature to get the full picture.
Ready for rates? Click here to go to the rates.
Questions? call us at 1-800-497-4010
Please feel free to call with your questions. We handle these plans and plenty more and I find that after you do your internet investigations it really helps to talk to someone and sort out what you have found out. Besides, why not hear a fair explanation of what all the terms on the web pages really mean? It’s a big purchase and you don’t want to have to keep changing health plans every 6 months.
Questions? call us at 1-800-497-4010
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