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Kaiser Permanente Georgia Group Health Insurance
You want quality health care at an affordable rate. Kaiser Permanente Georgia group health insurance ranks #1 for member satisfaction in the state, and here at KaiserQuotes.com you’ll find the lowest prices available on KP GA small business medical insurance plans for Atlanta, Georgia and the surrounding areas. Use the form to the left to get quotes, or use the link below to enroll.
How to Get Georgia Business Health Insurance Quotes
You may request a Georgia group health insurance quote for your company in a matter of minutes. The questionnaire will ask for employee census information including gender, date of birth, residential zip code and any known pre-existing health conditions. If you wish to include dependents (spouses and children) in the quote, please include date of birth and any known pre-existing health conditions for each. Once the request is completed, you will be sent your quote in about one to two business days. You may have your quotes sent by email, fax or mail.
Three Types of Georgia Group Health Plans
The trick to obtaining quality Georgia group health insurance is finding the fit that meets your needs at the point of service and your budget when it comes to paying monthly premiums. Below are benefit highlights of the three basic types of Kaiser Georgia business medical insurance plans.
HMO Plans
These policies are ideal for people who want quality healthcare and affordability. Georgia group health insurance plan choices range from offerings without a deductible, to those that carry a high deductible so that you can balance benefits with pricing. A discounted copayment applies to most services, such as doctor visits, prescriptions, and outpatient mental health visits. A number of the services are free after the deductible is reached. Care can be obtained at Kaiser Permanente or through a network of 1,800 affiliated private-practice doctors.
Multi-Choice Plans
Consider these offerings if you want maximum choice of providers and are willing to pay a bit more. Kaiser Georgia group health insurance plan members can receive services from any of the provider tiers below:
- Kaiser Permanente’s network (HMO)
- Select Providers (Community Doctors)
- PPO Providers (PHCS Network)
- Non-participating Providers
The beauty of Multi-Choice Georgia Business Health Insurance Plans is that you can go inside and outside the KP network; it’s not either/or. So if you prefer, you can receive care from a long-time family doctor for a particular condition, while also going to Kaiser Permanente for other services. The level of coverage will vary depending on which provider tier you go to. For example, if you “pair” or combine the Multi-Choice-1 with a HMO B, the cost of an office visit will be $20 if you see a Kaiser Permanente doctor. However, if you were to go to a Non-Participating Provider, the visit would be 60 percent of the cost after you meet the $2,000 deductible.
HSA Plans
Small businesses and employees in Georgia who want the lowest premium options may do well with the HSA-Qualified Deductible HMO Plans. Georgia group health insurance plans which are compatible with an HSA (“Health Savings Account”) are high deductible plans designed for people who mainly want catastrophic protection. Preventive care visits are either no charge or subject to a low copayment. All other services will be an out-of-pocket expense until the deductible is met. These policies may be a good fit for someone who does not require frequent or costly services. If employees choose to open a health savings account, they will have the added benefit of earning interest on monies in the account. Any balance at the end of the year will be rolled over and not lost, so the employee can truly invest in their health care. Funds placed in an HSA are tax deductible on federal taxes and can be used for qualified medical expenses.
Why Employers Choose to Offer Small Group Health Insurance Coverage
The needs of a company are constantly evolving and changing. Many would say they are looking for Georgia group health insurance coverage based on one or more of these scenarios.
- I am a new start up business in the Atlanta, Georgia area, and need health benefits for my family and/or the new employee(s) we have just hired.
- Our company currently has Georgia business health insurance, but our rates have recently gone up and I’m shopping around to lower our rates.
- I am not happy with our current GA business health plan and want better benefits.
- We are a husband and wife business and want to see if our rates would be lower on a group health plan instead of on an individual/family policy.
- I own a small business and was denied coverage under a personal plan. I heard that Georgia group health insurance enrollments are automatically issued and do not take into account pre-existing conditions.
Whether your company is new to the market or well established, obtaining a quote may be the next step to better and more affordable health care.
Eligibility for Small Business and Self Employed
Self employed individuals and those who own a business often qualify for Georgia group health insurance coverage. Below is a list of small group eligibility requirements for Kaiser Permanente Georgia:
- The company must consist of 2-50 employees.
- With groups of two or three, 100% participation is required.
- For employees to be eligible, they need to be:
- Listed on the DOL-4 (Quarterly Tax and Wage Report)
- Covered by workmen’s compensation insurance (not required for owner-only Georgia business health insurance)
- Working 30 hours or more a week
- If the employee or business owner(s) are on salary, their salary must be at least the equivalent of what one would earn working 30 hours a week at minimum wage.
- Owners and partners must actively participate in the business in order to be enrolled.
For questions about Georgia group health insurance quotes, plans and eligibility, please call 1-877-752-4737 and select option 3.
