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Blue Cross Blue Shield of Georgia
Premier Plus PPO Plan for Individuals & Families...
  Whether you're self-employed, an early retiree, a recent graduate or don't have health coverage at work, an individual health plan could be just what the doctor ordered. You never know, even if you are healthy right now, an unexpected illness or injury could be right around the corner. You work hard for your money and these days, a single day in the hospital can cost thousands of dollars. Without health coverage, you're taking a huge financial risk.
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 Premier Plus 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 Premier Plus
Premier Plus offers two choices of the plan where you have a choice of 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 Premier Plus but want the savings of a more cost effective network then the choice is yours.
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How Premier Plus plans work
Premier Plus PPO Offers robust benefits for both routine and unexpected medicare care. Premier Plus PPO has some of the lowest coinsurance levels across all of thier deductibles offered. This added value helps lower your share of the cost once you satisfy 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.
Built-in prescription drug coverage
The high cost of today's prescription drugs can be financial drain on your family. Premier Plus offers broad prescription drug coverage before the deductible, including benefits for generic, brand name and specialty drugs.
Generic drugs: Coverage is immediate with no deductible to worry about. You'll always save the most when you choose generic drugs.
Brand-name and specialty drugs: A separate deductible is required before coverage begins. If you choose a brand-name drug when generic is available, Premier Plus will pay the allowed amount for the generic drug and you'll have to pay the difference. Member pays the applicable copay PLUS the difference between the brand and generic. You will receive the highest level of benefits by asking your physician to prescribe a generic drug whenever possible. |
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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 Premier Plus plan
Premier Plus PPO/POS deductibles range from $750 to $20,000. You can usually lower your premium by choosing a higher deductible. You can also cutomize your plan by selecting the Optional Enhanced Prescription Drug coverage.
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. This benefits covers 100% of hospital services after a $3,000 copay and covers other medical services subject to the deductible and coinsurance applicable for your plan. 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
