If you get your health insurance Georgia coverage through your employer’s group health plan, you probably have the option of adding your spouse as a dependent on your policy. This usually happens once or twice a year during open enrollment time. This is the official time when changes are made to the policy, and family members can be added or removed from the health insurance Georgia policy. There are other situations when changes can be made to a health insurance Georgia policy outside of the open enrollment period, such as a birth or adoption, death or divorce. These life events also result in changes to a health insurance Georgia policy, and these are allowed outside the open enrollment period.
In order to determine whether you want to add your spouse to your health insurance Georgia policy, you may want to do a little research. For example, you may want to check whether your spouse is eligible to get benefits through her employer’s group health insurance Georgia plan. If her employer also offers an employer-subsidized group health insurance Georgia plan, then this is probably the most affordable option. Then you both can be covered by separate different policies and your employer pays the premiums. Having separate policies is not a problem at all.
Next, you want to find out how much you will have to pay monthly if you add on a spouse to your current health insurance Georgia plan. Some employers only pay the premiums for employees, not their spouses, while others pay for all the health insurance Georgia costs involved, regardless of whether it includes dependents. If you are responsible for a portion of the health insurance Georgia plan monthly premiums, you will need to know how much it will be. Then, you may want to shop around individual health insurance Georgia policies to see which is cheaper.
Premium prices for group health insurance Georgia plans are higher than similar individual health insurance Georgia policies. That is because group health insurance Georgia plans must accept all eligible group members, regardless of their health condition. Therefore, the insurance carriers end up accepting high risk members, which is more expensive for them. These results in higher premiums for all members enrolled in a group health insurance Georgia plan. For individual policies, the insurance carrier is permitted to reject prospective members that have high health risks or pre-existing conditions. Therefore, they can keep individual health insurance Georgia premiums lower for everyone else.
If your spouse does have a pre-existing condition, or high health risk factors, however, then you may want to add her to your group health insurance Georgia plan, rather than apply for an individual policy. The spouse may have difficulty getting approval from the medical underwriting department of an insurance carrier. The group health insurance Georgia plan must accept her, regardless of her health condition. Even if the group health insurance Georgia plan is more expensive, it is easier to enroll in.
If your spouse is healthy, however, then you can compare the premium prices for the individual health insurance Georgia policy and the group health insurance Georgia plan. You can compare the included services to make sure you are comparing apples to apples. Then choose the best option.
In order to determine whether you want to add your spouse to your health insurance Georgia policy, you may want to do a little research. For example, you may want to check whether your spouse is eligible to get benefits through her employer’s group health insurance Georgia plan. If her employer also offers an employer-subsidized group health insurance Georgia plan, then this is probably the most affordable option. Then you both can be covered by separate different policies and your employer pays the premiums. Having separate policies is not a problem at all.
Next, you want to find out how much you will have to pay monthly if you add on a spouse to your current health insurance Georgia plan. Some employers only pay the premiums for employees, not their spouses, while others pay for all the health insurance Georgia costs involved, regardless of whether it includes dependents. If you are responsible for a portion of the health insurance Georgia plan monthly premiums, you will need to know how much it will be. Then, you may want to shop around individual health insurance Georgia policies to see which is cheaper.
Premium prices for group health insurance Georgia plans are higher than similar individual health insurance Georgia policies. That is because group health insurance Georgia plans must accept all eligible group members, regardless of their health condition. Therefore, the insurance carriers end up accepting high risk members, which is more expensive for them. These results in higher premiums for all members enrolled in a group health insurance Georgia plan. For individual policies, the insurance carrier is permitted to reject prospective members that have high health risks or pre-existing conditions. Therefore, they can keep individual health insurance Georgia premiums lower for everyone else.
If your spouse does have a pre-existing condition, or high health risk factors, however, then you may want to add her to your group health insurance Georgia plan, rather than apply for an individual policy. The spouse may have difficulty getting approval from the medical underwriting department of an insurance carrier. The group health insurance Georgia plan must accept her, regardless of her health condition. Even if the group health insurance Georgia plan is more expensive, it is easier to enroll in.
If your spouse is healthy, however, then you can compare the premium prices for the individual health insurance Georgia policy and the group health insurance Georgia plan. You can compare the included services to make sure you are comparing apples to apples. Then choose the best option.
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