Will Reform Affect Health Insurance Georgia Companies

As you know, the House of Representatives has just passed a health care reform bill with the help of the Democrats. Many people are wondering how this will affect health insurance Georgia plans. The truth is that we do not know exactly what changes will occur, or when they will happen. The most important thing right now, however, is that more Georgia residents need to have health insurance Georgia benefits and be covered by a health insurance Georgia policy in case of a medical emergency.

Some people are waiting for the government to provide health insurance for them. However, this can be risky because the government takes a while to make changes, and then it takes another long time for those changes to reach the masses. And in the meantime, many people may be going without health insurance Georgia benefits and coverage. This can be risky.

Waiting on Government Reform for Health Insurance Georgia Benefits Could Hurt

If you happen to have an emergency, and you go to a nearby hospital emergency room, the hospital is required by law to provide medical services for you, even if you do not have a health insurance Georgia policy. However, you will then be served with huge hospital bills, which can affect your credit and financial stability. Also, without any health insurance Georgia benefits, you may have difficulty setting up follow-up treatment and finding doctors who will continue to care for you. Also, although the law requires hospitals to provide care for you in case of an emergency, it does not require this if the illness or injury is not life threatening. This means that without a good health insurance Georgia policy, you may not receive adequate medical treatment for many serious illness or injury.

Another disadvantage of not having health insurance Georgia plans is that medical care costs more when you do not have insurance. This is like adding insult to injury. But if you have a health insurance Georgia plan, that insurance company will have negotiated lower rates with the hospital, physician, pharmacy or other medical provider, than you would get if you show up at their door without a health insurance Georgia policy in place. This means you would not only have to pay for everything out of your own pocket, but you would have to pay higher rates than the insurance company itself would. Although occasionally, some physicians will offer a cash discount, or will agree to a lower rate if you ask, this is rare. Usually, those without health insurance Georgia plans will pay the full billed amount, and only those with health insurance Georgia plans will pay lower, negotiated contracted in-network rates.

So, although the health care bill that just passed does offer increased Medicare benefits to many Americans, it is important that you go ahead and pursue having your own health insurance Georgia policy in place for you and your family. We do not know how long it will take for the government’s ideas for increased health insurance to become a reality, and we do not know what that reality will look like. And going without health insurance Georgia plans till then should not be an option for you.