Have You Been Declined for Health Insurance in Georgia?

Recently, I posted some information about the new Federal High Risk Pool.  At the time,  there wasn’t a lot of detailed information available on the government site, especially concerning rates.  Well, now the rates have been published.    Rather than parphrase what has already been written, I am providing excerpts of a letter that was sent to agents from a general insurance agency:

The Pre-Existing Condition Insurance Plan was created to make health insurance available for those that have a problem getting insurance due to a pre-existing condition.

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Health Insurance In Woodstock Georgia

Peachtree Insurance Advisors provides highly responsive, client-centered solutions to individuals and small businesses in Woodstock, GA. We do much more than shop the market for the best life, health and Medicare supplement insurance products. 

We offer expert advice and service not commonly found in the the insurance business.  Please call us for a personalized quote for life insurance, health insurance or Medicare supplement insurance.  To see what clients in Georgia have to say about us, please click here

We’re based in Atlanta,

Our Carriers

We are proud to work with the top insurance companies in the world. 

We work with the following health insurance companies:

  • Aetna
  • Anthem
  • Assurant
  • BlueCross BlueShield of Georgia
  • Celtic
  • CIGNA
  • Coventry Healthcare
  • Humana
  • Kaiser Permanente
  • United Healthcare
  • United HealthOne
  • World Insurance

Federal High Risk Pool — Now Available in Georgia

Over the past couple of months, several people have asked me about the new Federal High Risk Pool that was created by the new health care reform law.  For people in Georgia who have been declined coverage in the individual market and can’t qualify for the Georgia Assignment System or Enhanced Conversion option (after COBRA is exhausted), this was great news.   For someone with significant pre-existing health conditions who has been declined coverage or had certain conditions excluded, this new option could be a life saver …

Lowering Your Life Insurance Rates

When purchasing a life insurance policy, sometimes the desired result isn’t obtainable.  Less than 20% of all applicants qualify for the best underwriting classification.  It can be quite upsetting to find out that your rate is substantially higher than what you were originally quoted.  However, unfavorable underwriting decisions can often times be challenged — especially in borderline cases.  Find out exactly why the Underwriter decided to give you the lower rate class.  Your agent should be able to assist you in determining if the decision was borderline or based on inaccurate information. 

Another Happy Client …

Two weeks ago, I received a call from a financial advisor (CFP) who I knew during my early years in the business.  She had heard through other advisors that I was the “go to guy” for health insurance and medicare related questions. 

 This advisor had been working with a medical doctor, attempting to help her with her health insurance needs.  After spending some time preparing quotes and discussing benefits, she realized that her client needed special attention.  Like many financial advisors,

Doctors often recommend unnecessary procedures

It’s termed “defensive medicine” and doctors admit to practicing medicine in this fashion.  The main reason for this style of practice is due to medical malpractice suits. 

According to an article in Newsweek , “physicians estimate that 35 percent of diagnostic tests they ordered were to avoid lawsuits, as were 19 percent of hospitalizations, 14 percent of prescriptions, and eight percent of surgeries, which amounts to some “$650 billion in unnecessary care every year.” 

The health care reform legislation didn’t address tort reform,

Buying Coverage from “Top-tier” Carriers

I received word today that one of the health insurance carriers in Georgia has failed. The company – Imerica – offered very low rates and comprehensive coverage, but it had very weak financials.  It is expected that Imerica will be liquidated within the next 30 days.

As an independent agent, I received several offers to represent Imerica, but I decided not to do it.  I only purchase insurance from “top-tier” carriers and that is what I advise my clients to do as well.