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Forward Focus PPO & POS Plans...
  In a world that's constantly changing, one thing's for certain: it's important to have health care coverage you can depend on - coverage designed to fit you budget, and your way of life.
You're in charge of your health and budget, and the individual health care plans from Blue Cross Blue Shield of Georgia help keep it that way. We still offer a wide range of coverage options as unique as you are.
So why take chances? The health plans from Blue Cross Blue Shield of Georgia make it easier than ever to get the health coverage you need at a price you can afford. No matter where you are in life... there's an Individual plan that will fit your health care needs, as well as your budget.
Anthem Blue Cross Blue Shield ForwardFocus HSA PPO or POS?
If you have young children, or plan to have a family, Premier Plus PPO & POS health plans were designed with your needs in mind. Packed with benefits, Premier Plus focuses on the preventive care services your family needs to stay healthy and grow strong. And, a wide range of pricing options and coverage choices help you choose a plan that's affordable. Premier is a great choice for families or individuals looking for robust benefits for both routine and unexpected medical care.
Two Networks to choose from with ForwardFocus HSA
ForwardFocus HSA plans offers two options where you have a choice from two networks, the BlueChoice PPO Network and Blue Open Access Point of Service (POS) Network. The Blue Open Access Point of Service Network offers a lower premium with the same flexibility as the BlueChoice PPO Network. So if you like the benefits of the ForwardFocus HSA but want the savings of a more cost effective network then the choice is yours.
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How ForwardFocus HSA plans work
ForwardFocus HSA Preferred Provider Organization (PPO) and Blue Open Access Point of Sale (POS) offers your lowest cost option that can be paired with a Health Savings Account (HSA). With ForwardFocus HSA all benefits, except network preventive care, are covered after your deductible.
- Has an annual deductible. This is the amount you have to pay out of pocket each year before your plan starts paying. (Deductibles don't apply to your first three network doctor visits)
- Starts paying a portion of your covered medical expenses once your annual deductible is met. Your share costs for covered services is called your coinsurance.
- Saves you more money when you use a doctor in the PPO Network and even more if you elect the POS plan option. For a list of network doctors, go to Blue Cross Blue Shield of Georgia's Provider Finder to access your state's homepage and look for the "Looking for a Doctor or Facility" links.
Prescription Drug Coverage
Today, there is a prescription medication for just about everything and the costs can put a real strain on your health care budget. With ForwardFocus HSA PPO/POS, prescription drugs are covered with a coinsurance once you meet your policy deductible. But even while you are meeting your deductible, you benefit from lower negotiated rates on prescription drugs at network pharmacies nationwide.
You will recieve the highest level of benefits by asking your physician to prescribe a generic drug whenever possible. If you choose to purchase a brand name drug when a generic drug is available, you will be responsible for the difference in the cost between brand and generic, plus your coinsurance. Your health savings account dollars can be used to pay for prescription drugs while you meet your deductible, or for those drugs not covered. |
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Network Discounts = Real Money...
With Blue Cross Blue Shield of Georgia you have access to one of the largest provider networks in the state of Georgia. These networks (or participating) providers have agreed to accept lower costs for their covered services to Blue Cross Blue Shield members - similar to volume discounts. These negotiated costs help reduce the overall cost of covered medical services, including your share of those costs.
This is true whether you are paying the entire cost for covered services (such as while you are meeting your deductible), or whether Blue Cross Blue Shield is sharing the cost. With nearly 18,000 doctors and over 150 hospitals, chances are your provider already participates. Just visit a network provider to take advantage of the savings. With Blue Cross Blue Shielf of Georgia PPO plans, you can always choose to receive services outside the network, but your share of the cost will be greater. And, save even more on your monthly premiums when you choose the Point of Sale (POS) Network option.
Customize your ForwardFocus HSA plan
ForwardFocus HSA PPO/POS deductibles range from $1,750 to $5,500 for individuals or $3,500 to $11,000 for families. Since the deductible is an amount you are responsible for each calendar year, you ca usually lower your premium by choosing a higher deductible. ForwardFocus HSA offers the ease of a policy-level deductible. Any covered member can contribute to some or all of the policy deductible, which makes it easy for you and your whole family.
Other Optional Coverage
You can add maternity coverage for deductible plans of $2,500 and higher, BlueChoice® Dental for as low as $27 per month and life insurance coverage.
Maternity
If you're hoping to add to your family in the future, you may want to think about adding maternity coverage now. Optional maternity coverage is available with certain plans to help cover pregnancy and childberth related medical care for mother and infant. Maternity coverage is available on deductible options of $2,500 and higher and will provide unlimited coverage after paying your plan's deductible and applicable coinsurance. There are specific limitation and exclusions for this coverage, including a 12 month waiting period before any Maternity Care benefits are payable.
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Other Supplemental Plan Options |
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International Medical Insurance, Visitor, Trip & Student Insurance
- Coverage from 5 days up to 187 Days
- Coverage from 5 Days up to 12 months - renewable for 3 years
- Inbound Immigrants
- US Citizens Traveling Abroad
- US Citizens Living Abroad
- Global Students
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Assurant Health AccessSM - for access to health care and help paying for service. Health Access has no plan deductibles or copays. Benefits start right away and the plan pays set CASH amount when you receive services. A cost effective alternative to a major medical plan especially when major medical plans become too expensive.
- Immediate cash benefits
- No deductible
- Many ways to save
- Access Network Discounts
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For strong Temporary financial protection, choose Short Term Medical from Assurant Health
- 30 - 180 Days of coverage
- Inpatient and Outpatient coverage
- Four deductible options to choose from
- Choose your co-insurance percentages
- Lifetime Maximum of $2 million
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Anthem Blue Cross Blue Shield of Ohio offers a stand alone dental insurance for individuals, families and seniors.
- Includes cleanings, exams, X-rays at 100%
- No waiting period for checkups
- $1,250 Annual Maximum
- Freedom to go outside PPO network if desired
- Network with over 19,000 providers
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Assurant Health Dental insurance helps pay for dental checkups and treatment. Available as a stand alone plan for individuals and families.
- Cash benefits help pay for checkups and treatment
- No waiting period for checkups
- Visit any dentist - non network restrictions
- Three dental plans to choose from
- Pays benefits in first policy year even though waiting period has not been met
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HumanaOne offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health.
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 50% for all Basic Services inside network
- Enjoy pre-negotiated discounts at network providers
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SENIOR DENTAL Premium Plus offers Dental Preventive Plus as a stand alone dental plan designed for the individual or family that enjoys overall good dental health and live in the state of Colorado..
- 100%, no deductible preventive care
- No waiting period for checkups
- Pays 80% for all Basic Services inside network
- $1,250 Annual Benefit per member
- Enjoy pre-negotiated discounts at network providers
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Accidental injuries catch you off guard, not to mention the costs associated with an accidental injury. But the expense is less of a concern if you have Accident Coverage for Assurant Health.
- Benefits are paid immediately - no waiting period
- Over and above any benefits you receive from any other plan
- No overall annual or lifetime limit - no matter how many accidents you have
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HumanaOne offers Vision Care Insurance for individuals that can be added to any insurance plan. Affordable premiums, simple enrollment and no deductible coverage.
- Low exam co-payments
- Eyeglass lenses covered 100% after copay
- $40 wholesale allowance for frames
- One eye exam per year
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Anthem California
