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Obscure Options for Health Care Coverage in Georgia
A friend whose two children both have heart defects recently passed along to me waht he has learned about a couple of obscure options for somewhat affordable health care coveage.
First, the Insurance Commissioner’s Office has an Assigned Risk program. My friend pays $440 per month for family coverage; the plan pays 70% of charges with a $5000 deductible. It does not cover prescriptions, but drugs are counted under the deductible, and they give a discount for prescriptions. My friend has assigned risk coveage through Blue Cross and can go to any doctor.
Second, there is also a program offered through the state called “Care Entree.” Its not health INSURANCE, its Health Discount. Essentially you become the
health insurer, but you only pay that which the insurance company would pay. The Insurance Card you get looks exactly like any other and it uses PCHS (Private Care Health Services) as the plan administrator. Once again, you must agree to have a high deductable, but you only have to pay for those bills that the INSURANCE COMPANY WOULD HAVE TO PAY. That can be a tremendous DISCOUNT. But you must give them enough money to maintain the deductable in THIER ACCOUNT. So that they can pay that amount GUARANTEED. Then you pay that amount.
The plan cost roughly $75 per month, and includes a discount of prescription, Dental, chiropratic etc.
The Shigley Law Firm represents plaintiffs in wrongful death and catastrophic injury cases statewide in Georgia, and in other states subject to the multijurisdictional practice and pro hac vice rules in each state. Ken Shigley was designated as a “SuperLawyer” in Atlanta Magazine and one of the “Legal Elite” in Georgia Trend Magazine. He is a Certified Civil Trial Advocate of the National Board of Trial Advocacy, Chair of the Southeastern Motor Carrier Liability Institute and former chair of the Georgia Insurance Law Institute. He particularly focuses on cases arising from truck wrecks and accidents (tractor trailers truck wrecks, semi truck wrecks,18 wheeler truck wrecks, big rig truck wrecks, log truck wrecks, dump truck wrecks).