Georgia temp health insurance is necessary for several different reasons, including unemployment or having a temporary or part-time job. Georgia short-term medical insurance also is necessary while you are waiting for long-term health insurance to kick in. It provides an affordable alternative to Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Georgia temporary medical insurance generally does not include preferred provider organizations and health maintenance organizations. Georgia policy holders normally can receive care from any licensed health care provider, however.

It is important to keep the following three points in mind when you buy Georgia temporary health coverage:

1. Gap coverage between long-term policies is the intended purpose of temporary health insurance. Georgia short-term medical insurance is not a long-term solution for policy holders.

2. Georgia temporary health coverage will usually cover unexpected illness and injury, but will probably not pay for preventative care or routine examinations.

3. The Health Insurance Portability and Accountability Act, or HIPAA, exempts temporary health insurance. Georgia does not require this insurance to be issued or renewed to any applicant. Carriers of this type of insurance also have the option of refusing applicants based on a pre-existing condition.

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

Acquire general pricing information from GA temporary health insurance companies

Students and new employees who are not yet eligible for permanent coverage frequently use Georgia temp health insurance. Deal with an insurer that represents several carriers to be able to compare plans.

I recommend: Get prices from multiple carriers at Braden Benefit Strategies on temporary medical insurance. Georgia residents can contact the insurer directly or fill out a quote request online.

Examine the available types of GA temporary health insurance policies

Many agencies provide quotes and applications for Georgia temporary medical insurance plans online. This is most helpful for customers who do not require assistance when studying the various plans available and eliminates the need to listen to a sales pitch.

I recommend: Find plan summaries for temp health insurance in Georgia described at Healthandlifega.com. This insurer provides several types of health insurance and specializes in online services.

Get multiple quotes for temporary health insurance in Georgia from major insurers

Obtain temporary health insurance by going directly to the carriers in which you are interested. However, many carriers require that you go through an agency so find an agent that represents several of the major carriers.

I recommend: Apply through GA Health Coverage. This company offers temporary health insurance through major insurers such as Blue Cross Blue Shield of Georgia and Assurant. This insurer also offers a special plan for students who are not covered under their parents’ plan.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Review any policy you are considering for clauses that extend coverage beyond the termination date of the temporary medical insurance. Georgia temporary health insurance policies frequently will continue coverage for total disability until certain conditions have been met. These might include spending a fixed benefit amount, reaching a certain time past the termination date or until a treatment is no longer required. Many plans also will provide a fixed benefit for partial disability after the termination of the policy.