Georgia health insurance is available to groups of employees, members of associations or labor unions with at least two full-time taxable employees. One master contract usually covers the entire group.

Georgia group medical insurance providers give small businesses benefits other than medical care for its employees. Group health insurance distributes the financial risk between all the members, usually resulting in lower premiums and greater coverage for a group health plan. Georgia group insurance also has tax advantages because all of the employer contributions are tax deductible in most cases.

There are 3 key points to consider when evaluating Georgia group health plans:

1. The health provider network. A Georgia group insurance company frequently will cover only services by certain health providers. Ensure that there are enough providers in your area to cover the medical requirements of your group.

2. The deductible. This is the amount that the employee must pay before Georgia group health insurance companies begin to cover costs.

3. The coverage limit. This is the maximum amount Georgia group medical insurance will pay.

Action Steps
The best contacts and resources to help you get it done

Get a referral to a licensed insurance agent for GA group insurance

A referral provides you with a quote and the contact information of insurance agents without speaking to them until you are ready.

I recommend: Fill out the brief application form at Kaiser Insurance Online to receive a quote from a local health insurance agency. The Kaiser Group is licensed to sell health insurance in nine states, including Georgia. Do the same at Greater Georgia Health Insurance to get started.

Collect quotes from a variety of companies that provide group health insurance in Georgia

Employees almost always want to join a group health plan if they have this option because the employer will pay for a portion of the group health plan. GA group health insurance has a much lower requirement on the overall health of its policy holders than individual health insurance does.

I recommend: Go to John Perry & Associates for a free quote on group health insurance in Georgia. This insurance agency is based in Suwanee and represents major insurers such as Blue Cross Blue Shield, Aetna and United Healthcare. Another respected insurer representing multiple carriers in Georgia is the Metro Atlanta Financial Group.

Solicit a quote for specific group health care insurance coverage in Georgia

Use this approach when you are seeking a quote from a specific carrier based on information that you supply about your business.

I recommend: Apply for a quote with Blue Cross Blue Shield of Georgia. You will begin with your zip code and provide additional information about your small business in Georgia. Enter your zip code at KaiserQuotes to get started on group healthcare insurance coverage in Georgia through Kaiser Permanante.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide part-time employees with customized group health insurance. GA providers are usually best able to serve your employees with a less expensive plan that provides basic coverage for essential benefits and discounts on some services that are not covered outright. Flexible Spending Accounts are another method that a part-time employee can use to manage health care costs.
• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their group health insurance. GA plans usually offset a low cost and a high deductible with Health Reimbursement Accounts and Health Savings Accounts that allow a member to manage expenditures much more closely than with a traditional health care plan.